Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APPLICATION AND 
SOLICITATION 
DISCLOSURE 

MASTERCARD PLATINUM PREFERRED 
MASTERCARD PLATINUM REWARDS 
MASTERCARD PLATINUM CASH BACK 
MASTERCARD PLATINUM SECURED 

Mastercard Platinum Preferred 
7.99%  to  17.49%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Mastercard Platinum Rewards 
8.49%  to  17.99%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Mastercard Platinum Cash Back 
8.99%  to  18.49%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Mastercard Platinum Secured 
14.99% 

APR for Balance Transfers 

Mastercard Platinum Preferred 
0.00%  Introductory APR through the March 2022 statement cycle. 

After that, your APR will be 7.99% 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

to 17.49%, based on your 

Mastercard Platinum Rewards 
0.00%  Introductory APR through the March 2022 statement cycle. 

After that, your APR will be 8.49% 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

to 17.99%, based on your 

Mastercard Platinum Cash Back 
0.00%  Introductory APR through the March 2022 statement cycle. 

After that, your APR will be 8.99% 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

to 18.49%, based on your 

Mastercard Platinum Secured 
0.00%  Introductory APR through the March 2022 statement cycle. 

After that, your APR will be  14.99%. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

04501631-MXC10-C-1-021521 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
APR for Cash Advances 

Mastercard Platinum Preferred 
7.99% 
to 17.49%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Mastercard Platinum Rewards 
8.49% 
to 17.99%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Mastercard Platinum Cash Back 
8.99% 
to 18.49%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Mastercard Platinum Secured 
14.99% 

Penalty APR and When it Applies 

None 

How to Avoid Paying Interest on 
Purchases 

Minimum Interest Charge 
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. 
None 
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 
- Balance Transfer Fee 
- Cash Advance Fee 
- Foreign Transaction Fee 
Penalty Fees 
- Late Payment Fee 
- Over-the-Credit Limit Fee 
- Returned Payment Fee 

None 

$5.00 or 3.00% of the amount of each balance transfer, whichever is greater 
None 
1.10% of each transaction in U.S. dollars 

Up to $20.00 
None 
Up to $20.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

Promotional Period for Introductory APR: 
The  Introductory  APR  for  balance  transfers  will  apply  to  transactions  posted  to  your  account  from 
05/31/2021 
transfers. 

until 
. Any existing balances on loan or credit card accounts are not eligible for the Introductory APR for balance 

03/01/2021 

Effective Date: 
The information about the costs of the card described in this application is accurate as of: March 1, 2021 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For California Borrowers, the Mastercard Platinum Preferred, Mastercard Platinum Rewards, Mastercard Platinum 
Cash  Back  and  Mastercard  Platinum  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 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

04501631-MXC10-C-1-021521 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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. 

Other Fees & Disclosures: 
Late Payment Fee: 
$20.00 or the amount of the required minimum payment, whichever is less, if Your payment is not received five days after 
statement closing date. 

Balance Transfer Fee (Finance Charge): 
$5.00 or 3.00% of the amount of each balance transfer, whichever is greater. 

Returned Payment Fee: 
$20.00 or the amount of the required minimum payment, whichever is less. 

Card Replacement Fee: 
$5.00. 

Pay-by-Phone Fee: 
$10.00. 

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

04501631-MXC10-C-1-021521 (MXC101-E)