Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

VISA PLATINUM (VARIABLE)/
VISA PLATINUM (NON-VARIABLE)/
VISA PLATINUM SECURED (VARIABLE)
F1  
APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum (Variable) 
9.20%
F2
to F3           when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate.

18.00%

Visa Platinum (Non-Variable) 
9.95%
F4

Visa Platinum Secured (Variable) 
15.20%
F5
This APR will vary with the market based on the Prime Rate.
Visa Platinum (Variable) 
9.20%
F6           to F7           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

18.00%

Visa Platinum (Non-Variable) 
9.95%
F8            

Visa Platinum Secured (Variable) 
15.20%
F9            
This APR will vary with the market based on the Prime Rate.
Visa Platinum (Variable) 
11.20%
F10         to F11         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

18.00%

Visa Platinum (Non-Variable) 
11.95%
F12          

Visa Platinum Secured (Variable) 
15.20%
F13          
This APR will vary with the market based on the Prime Rate.

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DGAMF1 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
Penalty APR and When it Applies 

Visa Platinum (Variable) 
18.00%
F14          

Visa Platinum (Non-Variable) 
18.00%
F15          

Visa Platinum Secured (Variable) 
18.00%
F16          

This APR may be applied to your account if you:

- Make a late payment

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six
consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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. 

Fees 
Transaction Fees 
- Cash Advance Fee

- Foreign Transaction Fee
Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

1.00%
$5.00
F17         or F18         of the amount of each cash advance, whichever is 
greater (Maximum Fee: F19        )
1.00%
F20         of each transaction in U.S. dollars

$50.00

Up to F21          
Up to F22          

$25.00
$25.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 

Effective Date:  
The information about the costs of the card described in this application is accurate as of F23                                
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

January 23, 2016.

OTHER DISCLOSURES 

Late Payment Fee

Returned Payment Fee

Statement Copy Fee
Document Copy Fee
Card Replacement Fee
Stop Payment Fee
Expedited Processing Fee
Document Evidence Fee

$25.00
F24         or the amount of the required minimum payment, whichever is 
less, if you are ten or more days late in making a payment.
$25.00
F25          or the amount of the required minimum payment, whichever 
is less.
$1.00
F26          
$8.00
F27          
$5.00
F28          
$10.00
F29          
$60.00
F30          
$20.00
F31          

DGAMF1 (MXC403 CCM003)-e