(cid:2)(cid:3)(cid:4)(cid:5)(cid:6)(cid:7)(cid:8)(cid:5)(cid:9)(cid:3)(cid:10)(cid:11)(cid:12)(cid:13)(cid:6)(cid:2)(cid:3)(cid:4)(cid:5)(cid:6)(cid:7)(cid:8)(cid:5)(cid:9)(cid:3)(cid:10)(cid:11)(cid:12)(cid:6)(cid:7)(cid:14)(cid:15)(cid:16)(cid:15)(cid:14)(cid:14)(cid:15)(cid:17)(cid:13)
F1
(cid:2)(cid:3)(cid:4)(cid:5)(cid:6)(cid:18)(cid:8)(cid:5)(cid:4)(cid:4)(cid:3)(cid:18)(cid:13)(cid:6)(cid:5)(cid:10)(cid:17)(cid:6)(cid:2)(cid:3)(cid:4)(cid:5)(cid:6)(cid:4)(cid:19)(cid:5)(cid:14)(cid:15)(cid:6)(cid:4)(cid:15)(cid:18)(cid:11)(cid:14)(cid:15)(cid:17)

APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

APR for Balance Transfers 

Visa Platinum 

 F2             
9.75%
Visa Platinum Preferred 

F3             
10.90%

Visa Classic 

 F4             
11.90%
 Visa Share Secured 

F5             
17.89%
Visa Platinum 

F6             
9.75%

Visa Platinum Preferred 

F7             
10.90%

Visa Classic 

 F8             
11.90%

 Visa Share Secured 

F9             
17.89%
Visa Platinum 

 F10           
9.75%

Visa Platinum Preferred 

F11           
10.90%

Visa Classic 

 F12           
11.90%

 Visa Share Secured 

Minimum Interest Charge 

F13           
17.89%
If you are charged interest, the charge will be no less than F14           
The minimum interest charge will be charged on any dollar amount. 

$.01.

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 Federal 
Reserve Board 

We do not charge you 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 Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

DUTCC2 (MXC400 CCM001)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

F15           
None

F16           
None
F17           
None
F18           of each multiple currency transaction in U.S. dollars 
1.00%
F19           of each single currency transaction in U.S. dollars 
0.80%

Up to F20            
$25.00
Up to F21           
$10.00
Up to F22           
$20.00

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 F23            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

July 1, 2012.

OTHER DISCLOSURES 

Late Payment Fee 

Over-the-Credit Limit Fee 

Returned Payment Fee 

Document Copy Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 

F24           or the amount of the required minimum payment, whichever 
$25.00
is less, if you are ten (10) or more days late in making a payment. 
F25           or the amount of the transaction exceeding your credit limit, 
$10.00
whichever is less. 
F26           or the amount of the required minimum payment, whichever 
$20.00
is less. 
F27           
$15.00
F28           
$15.00
F29           
$10.00

DUTCC2 (MXC400 CCM001)-e