APPLICATION AND SOLICITATION DISCLOSURE 
Consumer Visa Account Disclosures
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases 
                      
               
               Visa 
6.25% to 16.25% , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Visa Rewards 
8.25% to 17.25% , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Visa Share Secured 
14.90% 
Visa Business Rewards 
10.25%  to  19.25% , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Visa Business Secured 
14.90% 
APR for Balance Transfers 
                                     
               Visa 
6.25% to 16.25%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
Visa Rewards 
8.25% to 17.25% , when you open your account, based on your 
creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
Visa Share Secured 
14.90% 
Visa Business Rewards 
10.25%  to  19.25%  ,  when you open your account, based on
your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 
Visa Business Secured 
14.90% 
SEE NEXT PAGE for more important information about your account. 
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 13601205-MXC10-C-1-080317 (MXC101-E)      
                            
                         
 
 
         
      
 
 
 
                                       
              APR for Cash Advances 
                                   
              Visa 
6.25% to 16.25% ,  when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Rewards 
8.25% to 17.25% , when you open your account, based on your 
creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
Visa Share Secured 
14.90% 
Visa Business Rewards 
10.25%  to  19.25%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
Visa Business Secured 
14.90% 
How to Avoid Paying Interest on Purchases Your due date is at least 23 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  Fee None Transaction Fees 
-Cash  Advance  Fee
-Foreign  Transaction  Fee
-ATM  Transaction  Fee$3.00 or 1.50% of the amount of each cash advance, whichever is greater 1.00% of each transaction in U.S. dollars $1.50 Penalty Fees 
-Late  Payment  Fee
-Over-the-Credit  Limit  Fee
-Returned  Payment  FeeUp to $25.00 
Up  to $25.00 
Up to $25.00 
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: This information may have changed aft
er that date. To find out what may have changed, contact the Credit Union. For California Borrowers, the Visa, Visa Rewards, Visa Share Secured, Visa Business Rewards and Visa Business 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 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. SEE NEXT PAGE for more important information about your account. 
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 13601205-MXC10-C-1-080317 (MXC101-E)        
    
         
   
       
            
        
 
   
 
 
     Other Fees & Disclosures: Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment. Cash 
Advance Fee (Finance Charge): $3.00 or 1.50% of the amount of each cash advance, whichever is greater. ATM Transaction Fee (Finance Charge): $1.50 will be assessed in addition to the Cash Advance Fee listed above and the ATM surcharge fee assessed by the AT
M operator per transaction (withdrawals and balance inquiries). Any Transactions at ATMs owned or operated by Northwest Community Credit Union or the Co-Op Network will not incur this fee. 
Over-the-Credit  Limit  Fee: 
$25.00 or the amount of the transaction exceeding your approved credit limit, whichever is less. 
Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. Card Replacement Fee: $5.00. Document Copy Fee: $5.00 per page. PIN Replacement Fee: $5.00. Statement Copy Fee: $2.00 per page. 
Research  Fee: 
$15.00 per half hour. 
Emergency Card Issuance Fee (Rush Card): $50.00. 
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 13601205-MXC10-C-1-080317 (MXC101-E)