APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM PREFERRED/ABNB VISA SIGNATURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Annual Fee
- Annual Fee

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee - Visa Platinum
Preferred
- Foreign Transaction Fee - ABNB Black
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Visa Platinum Preferred
 8.49%  to  18.00%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

ABNB VISA Signature
11.00%  to 13.99%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Platinum Preferred
8.49% to 18.00% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

ABNB VISA Signature
11.00% to 13.99% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

Visa Platinum Preferred
8.49% to 18.00% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

ABNB VISA Signature
11.00% to 13.99% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

Your due date is at least 25 days after the close of each billing cycle. We will
not charge you any interest on purchases if you pay your entire balance by
the due date each month.

To learn more about factors to consider when applying for or using a
credit card, visit the website of the Consumer Financial Protection
Bureau at http://www.consumerfinance.gov/learnmore.

None

None
None
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
None

Up to $29.00
Up to $29.00

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04502957-MXC10-C-1-060221 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Effective Date:
The information about the costs of the card described in this application is accurate as of: June 15th, 2022
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum Preferred and ABNB VISA Signature are secured credit cards. Credit 
extended  under  this  credit  card  account  is  secured  by  various  personal  property  and  money  including,  but  not 
limited  to:(a)  any  goods  you  purchase  with  this  account,  (b)  any  shares  you  specifically  pledge  as 
collateral  for  this  account  on  a  separate  Pledge  of  Shares,  (c)  all  shares  you  have  in  any  individual  or  joint 
account with the Credit Union excluding  shares in an Individual  Retirement Account or in any other account that 
would lose special tax treatment  under  state  or  federal  law,  and  (d)  collateral  securing  other  loans  you  have 
with  the  Credit  Union excluding dwellings.

Other Fees & Disclosures:
Late Payment Fee:
$29.00 or the amount of the required minimum payment, whichever is less, if you are three or more days late in making a 
payment.

Returned Payment Fee:
$29.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$10.00.

Rush Fee:
$25.00.

Statement Copy Fee:
$5.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04502957-MXC10-C-1-060221 (MXC102-E)