APPLICATION AND
SOLICITATION
DISCLOSURE

TEACHERS VISA PLATINUM
TEACHERS VISA LOW RATE/TEACHERS STUDENT VISA
TEACHERS VISA CASH BACK/TEACHERS VISA SECURED

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Teachers Visa Platinum
10.95% 17.95%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Teachers Visa Low Rate/Teachers Student Visa
15.75%
8.75%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

 to

Teachers Visa Cash Back
10.85% 17.85%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Teachers Visa Secured
13.99%
This APR will vary with the market based on the Prime Rate.

Teachers Visa Platinum
10.95% 17.95%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

APR for Balance Transfers

Teachers Visa Low Rate/Teachers Student Visa
8.75%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

15.75%

 to

Teachers Visa Cash Back
10.85% 17.85%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Teachers Visa Secured
13.99%
This APR will vary with the market based on the Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

03106794-MXC10-C-1-112020 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

APR for Cash Advances

Teachers Visa Platinum
10.95% 17.95%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Teachers Visa Low Rate/Teachers Student Visa
8.75%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

15.75%

to

Teachers Visa Cash Back
10.85% 17.85%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Teachers Visa Secured
13.99%
This APR will vary with the market based on the Prime Rate.
None

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.
None
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
None
None

$5.00 or 3.00% of the amount of each balance transfer, whichever is greater
$5.00 or 3.00% of the amount of each cash advance, whichever is greater
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 $25.00
None
Up to $32.00

Penalty APR and When it Applies

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Set-up and Maintenance Fees
- Account Set-up Fee
- Program Fee
- Participation Fee
- Additional Card Fee
- Application Fee

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee

- Transaction Fee for Purchases
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

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:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

November 24, 2020

.

For California Borrowers, the Teachers Visa Platinum, Teachers Visa Low Rate, Teachers Student Visa, Teachers
Visa Cash Back and Teachers Visa Secured 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.
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

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

03106794-MXC10-C-1-112020 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

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 borrower 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 16 or more days late in making a
payment.

Balance Transfer Fee (Finance Charge):
$5.00 or 3.00% of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge):
$5.00 or 3.00% of the amount of each cash advance, whichever is greater.

Returned Payment Fee:
$27.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same
or in any of the six billing cycles following the initial violation, you will be charged $32.00 or the amount of the required
minimum payment, whichever is less.

Returned Convenience Check Fee:
$15.00 or the amount of the returned convenience check, whichever is less.

Card Recovery Fee:
None.

Card Replacement Fee:
$5.00.

Document Copy Fee:
None.

Emergency Card Replacement Fee:
None.

Pay-by-Phone Fee:
$16.50.

PIN Replacement Fee:
None.

Rush Fee:
$35.00.

Statement Copy Fee:
$3.00.

Unreturned Card Fee:
None.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

03106794-MXC10-C-1-112020 (MXC101-E)