PO Box 158 | Deer Park, TX 77536 | 281.479.6651 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers and Cash 
Advances 

APPLICATION AND SOLICITATION DISCLOSURE 

Standard fixed APR of 8.90% (Platinum), 10.90% (Gold), 
12.00 (Standard) will apply based on your creditworthiness. 

Standard fixed APR of 8.90% (Platinum), 10.90% (Gold), 
12.00 (Standard) will apply based on your creditworthiness. 

How to Avoid Paying Interest on Purchases 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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. 
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 
Transaction Fees 
- Balance Transfer Fee 
- Cash Advance Fee 
- Foreign Transaction 

Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

$0 

$0 
$0 
Up to 1% of each transaction in U.S. dollars 

Up to $20.00 
Up to $20.00 

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 September 1, 2016. 
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 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 

$20.00 or the amount of the required minimum payment, whichever 
is less, if you are 11 or more days late in making a payment. 
$20.00 or the amount of the required minimum payment, whichever 
is less. 
$3.00 
$5.00 
$55.00 
$5.00 

D42P40 (MXC402  CC