� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 00800844 -MXC10 -P-1-040921 (MXC102 -E)
APPLICATION AND SOLICITATION DISCLOSURE
  
VISA SIGNATURE PREMIER REWARDS/VISA SIGNATURE CASH REWARDS/VISA PLATINUM RATE SAVER/VISA THRIVE CARD BY CONGRESSIONAL FEDERAL
 
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases    
Visa Signature Premier Rewards  
0.00%  Introductory APR for a period of six billing cycles.
After that, your APR will be 13.15% to 18.00% , based on your
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
 
 
Visa Signature Cash Rewards  
0.00%  Introductory APR for a period of six billing cycles.
After that, your APR will be 12.15% to 18.00% , based on your
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
 
 
Visa Platinum Rate Saver  
0.00%  Introductory APR for a period of six billing cycles.
After that, your APR will be 8.15% to 18.00% , based on your
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
 
 
Visa Thrive Card by Congressional Federal  
0.00%  Introductory APR for a period of six billing cycles.
After that, your APR will be 13.99% .
 
 
 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 00800844 -MXC10 -P-1-040921 (MXC102 -E)
APR for Balance Transfers  Visa Signature Premier Rewards  
3.99% Introductory APR for a period of 12 billing cycles.  
After that, your APR will be 13.15% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
 
Visa Signature Cash Rewards 3.99% Introductory APR for a period of 12 billing cycles.  
After that, your APR will be 12.15% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
 
Visa Platinum Rate Saver 3.99% Introductory APR for a period of 12 billing cycles.  
After that, your APR will be 8.15% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
 
Visa Thrive Card by Congressional Federal 3.99% Introductory APR for a period of 12 billing cycles.  
After that, your APR will be 13.99% . 
  
APR for Cash Advances  Visa Signature Premier Rewards  
13.15% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
  
Visa Signature Cash Rewards 12.15% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
  
Visa Platinum Rate Saver 8.15% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
  
Visa Thrive Card by Congressional Federal 
13.99%  
   
How to Avoid Paying Interest on 
Purchases  Your due date is at least 21  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.   
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.  
Fees  
Annual Fee  
-Annual F ee None  
   � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 00800844 -MXC10 -P-1-040921 (MXC102 -E)
Transaction Fees  
-Balance Transfer F ee None  
-Cash Advance Fe e None  
-Foreign Transaction Fee - Visa
Signature Premier RewardsNone  
-Foreign Transaction Fee - Visa
Signature Cash Rewards, Visa PlatinumRate Saver, Visa Thrive Card by
Congressional Federal2.00%  of each transaction in U.S. dollars  
Penalty Fees  
-Late Payment Fee - Visa Signatur e
Premier Rewards, Visa Signature Cash 
Rewards, Visa Platinum Rate Saver  Up to $25.00  
-Late Payment Fee - Visa Thrive Card by
Congressional Federal Up to $15.00  
-Returned Payment Fe e 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)." 
Promotional Period for Introductory APR: The Introductory APR for purchases will apply to transactions posted to your account during the first six billing cycles following issuance of your card.  The Introductory APR for balance transfers will apply to transactions posted to your account during the first 12 billing cycl es following issuance of your card.  
Eff
ective Date: The information about the costs of the card described in this application is accurate as of: July 07, 2021  This information may have changed after that date. To find out what may have changed, contact the Credit Union.  
F
or California Borrowers, the Visa Signature Premier Rewards, Visa Signature Cash Rewards, Visa Platinum Rate Saver and Visa Thrive Card by Congressional Federal 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 lo ans you have with the Credit Union excluding dwellings.  
O
ther Fees & Disclosures: 
Late Payment Fee - Visa Signature Premier Rewards, Visa Signature Cash Rewards, Visa Platinum Rate Saver:  
$25.00 or the amount of the required minimum payment, whichever is less, if you are six or more days late in making a payment.  
Late Payment Fee - Visa Thrive Card by Congressional Federal: 
$5.00 or the amount of the required minimum payment, whichever is less, if you are six or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $15.00 or the amount of the required minimum payment, whichever is less.  
Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 
Returned Convenience Check Fee: 
$29.00 or the amount of the returned convenience check, whichever is less. 
Card Replacement Fee: 
None.   � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 00800844 -MXC10 -P-1-040921 (MXC102 -E)
Pay-by-Phone Fee: 
$10.00.  
Rush Fee: 
$25.00 overnight. 
Stop Payment Fee: 
$30.00.