Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Platinum MasterCard 
F2           Introductory APR for a period of six billing cycles.  

After that your APR will be F3           to F4          , based on 
your creditworthiness.  

Secured MasterCard 
F5             

Platinum Rewards MasterCard and UTA Rewards MasterCard 
F6           to F7           when you open your account, based 
on your creditworthiness. 

UTA Blaze MasterCard 
F8           to F9           when you open your account, based 
on your creditworthiness. 
Platinum MasterCard 
F10         , F11         , or F12         Introductory APR for a period of six 
billing cycles, based on your creditworthiness.  

After that your APR will be F13         to F14         , based on your 
creditworthiness.  

Secured MasterCard 
F15           

Platinum Rewards MasterCard and UTA Rewards MasterCard 
F16         to F17         when you open your account, based on your 
creditworthiness. 

UTA Blaze MasterCard 
F18         to F19         when you open your account, based on your 
creditworthiness. 
Platinum MasterCard 
F20         , F21         , or F22         Introductory APR for a period of six 
billing cycles, based on your creditworthiness.  

After that your APR will be F23         to F24         , based on your 
creditworthiness.  

Secured MasterCard 
F25           

Platinum Rewards MasterCard and UTA Rewards MasterCard 
F26         to F27         when you open your account, based on your 
creditworthiness. 

UTA Blaze MasterCard 
F28         to F29         when you open your account, based on your 
creditworthiness. 

D42MR4 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

PLATINUM MASTERCARD/SECURED MASTERCARD/PLATINUM REWARDS MASTERCARD/ UTA REWARDS MASTERCARD/UTA BLAZE MASTERCARD0.00%8.90%17.90%11.90%9.90%17.90%8.90%17.90%4.90%7.90%9.90%8.90%17.90%11.90%9.90%17.90%8.90%17.90%4.90%7.90%9.90%8.90%17.90%11.90%9.90%17.90%8.90%17.90% 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 

Fees 
Annual Fee 
-  Annual Fee - Platinum MasterCard, Platinum 
Rewards MasterCard and UTA Rewards 
MasterCard 

-  Annual Fee - Secured MasterCard 
-  Annual Fee - UTA Blaze MasterCard 
Transaction Fees 
-  Foreign Transaction Fee 

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. 

F30           

F31           
F32           

F33         of each transaction in U.S. dollars completed outside the U.S. 
F34         of each transaction in U.S. dollars completed in a foreign 
currency 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

Up to F35            
Up to F36           

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Platinum  MasterCard  –  Promotional  Period  for  Introductory  APR:  The  Introductory  APR  for  purchases,  balance 
transfers,  and  cash  advances  will  apply  to  transactions  posted  to  your  account  during  the  first  six months  following  the 
opening of your account.  

Platinum  MasterCard  –  Loss  of  Introductory  APR:  We  may  end  your  Introductory  APR  for  purchases,  balance 
transfers, and cash advances and apply the prevailing non-introductory 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 F37                            .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Returned Convenience Check Fee 

F38         or the amount of the required minimum payment, whichever is 
less, if you are ten or more days late in making a payment. 
F39         or the amount of the required minimum payment, whichever is 
less. 
F40         or the amount of the returned convenience check, whichever 
is less. 

D42MR4 (MXC403 CCM003)-e 

None$30.00$50.002.00%2.00%$25.00$25.00March 1, 2016$25.00$25.00$25.00