Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Visa Variable 
F2           to F3           when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
Visa Set 
F4           to F5           when you open your account, based 
on your creditworthiness. 
Visa Variable 
F6           to F7           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Set 

F8           to F9           when you open your account, based on your 
creditworthiness. 
Visa Variable 
F10         to F11         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Set 

F12         to F13         when you open your account, based on your 
creditworthiness. 
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 

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 
-  Annual Fee 
Transaction Fees 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F14           

F15         of the amount of each cash advance 
F16         of each transaction in U.S. dollars 

Up to F17            
Up to F18           

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 F19                            . 
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 
Rush Fee 

F20         or the amount of the required minimum payment, whichever is 
less, if you are ten or more days late in making a payment. 
F21         or the amount of the required minimum payment, whichever is 
less. 
F22           
F23           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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