SEE NEXT PAGE for more important information about your account.  
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved   03105847 -MXC10 -P-6-021219 (MXC101 -E) 
 
  APPLICATION AND 
SOLICITATION 
DISCLOSURE      
  
VISA/VISA SIGNATURE  
      
Interest Rates and Interest Charges  
 
Annual Percentage Rate (APR) for 
Purchases     
Visa 
1.99%  Introductory APR for six months from account opening.  
 
After that, your APR will be 6.24% to 17.99 %, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
 
 
 
 
   
 
  
Visa Signature  
1.99%  Introductory APR for six months from account opening.  
 
After that, your APR will be 7.24% to 17.99%, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
 
 
 
    
  
APR for Balance Transfers  Visa 
1.99%  Introductory APR for six months from account opening.  
 
After that, your APR will be 6.24% to 17.99%, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
 
 
Visa Signature  
1.99%  Introductory APR for six months from account opening.  
 
After that, your APR will be 7.24% to 17.99%, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
  
       
APR for Cash Advances  Visa 
6.24% to 17.99%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
  
 
Visa Signature  
7.24% to 17.99%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
   
         
How to Avoid Paying Interest on 
Purchases  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.   
       
Minimum Interest Charge  If you are charged  interest, the charge will be no less than $0.50 . 
 
    
For Credit Card Tips from the 
Consumer Financial Protection Bureau  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.  
   
   
  
  
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved   03105847 -MXC10 -P-6-021219 (MXC101 -E) 
 
 
 
Fees   
  
Annual Fee   
   
- Annual Fee  None  
      
       
  
Transaction Fees   
 
- Balan ce Transfer Fee   None  
 
- Cash Advance Fee  $10.00  or 3.00%  of the amount of each cash advance, whichever is greater  
 
- Foreign Transaction Fee  1.00%  of each transaction in U.S. dollars  
      
 
Penalty Fees   
  
- Late Payment Fee  Up to $25.00  
  
- Returned Payment Fee  Up to $25.00  
  
       
 
How We Will Calculate Your Balance:  
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash 
advances)."  
 
Minimum Interest Charge:  
The minimum interest charge will be charged on any dollar amount.  
 
Effective Date:  
The information about the costs of the card described in this application is accurate as of April 27 , 2020. 
This information may have changed after that date. To find out what may have changed, contact the Credit Union.  
 
For California Borrower s, the Visa and 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 specif ically 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 speci al tax treatment under state or 
federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. 
Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered 
borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant 
us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, 
you will not be deemed a covered b orrower if: (i) you establish your credit card account when you are not a covered 
borrower; or (ii) you cease to be a covered borrower.  
 
Other Fees & Disclosures:  
Late Payment Fee:  
$25.00 or the amount of the required minimum payment, whichever is less, if  you are three or more days late in making a 
payment.  
 
Cash Advance Fee (Finance Charge):  
$10.00 or 3.00% of the amount of each cash advance, whichever is greater.  
 
Returned Payment Fee:  
$25.00 or the amount of the required minimum payment, whichever is less.