Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE 

F1             

MasterCard Platinum 
F2           to F3           when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

MasterCard Platinum with Rewards 
F4           to F5           when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

MasterCard World Travel Card with Rewards 
F6           to F7            when you open your account, 
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 
MasterCard Platinum 
F8           to F9           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

MasterCard Platinum with Rewards 
F10         to F11         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

MasterCard World Travel Card with Rewards 
F12         to F13         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
MasterCard Platinum 
F14           
This APR will vary with the market based on the Prime Rate. 

MasterCard Platinum with Rewards 
F15           
This APR will vary with the market based on the Prime Rate. 

MasterCard World Travel Card with Rewards 
F16           
This APR will vary with the market based on the Prime Rate. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
If you are charged interest, the charge will be no less than F17            

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

04220475-MXC40-P-1-011216 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

MASTERCARD PLATINUM/ MASTERCARD PLATINUM WITH REWARDS/ MASTERCARD WORLD TRAVEL CARD WITH REWARDS8.00%15.25%9.50%16.75%10.00%17.25%8.00%15.25%9.50%16.75%10.00%17.25%17.75%17.75%17.75%$2.00. 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 - MasterCard Platinum 
-  Annual Fee - MasterCard Platinum with 

Rewards 

F18           
F19           

-  Annual Fee - MasterCard World Travel Card 

F20           

with Rewards 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F21           
F22         or F23         of the amount of each cash advance, whichever 
is greater (Maximum Fee: F24        ) 
F25         of each transaction in U.S. dollars 

Up to F26            
Up to F27           

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount. 

Effective Date:  
The information about the costs of the card described in this application is accurate as of F28                                
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 

F29         or the amount of the required minimum payment, whichever is 
less, if you are 15 or more days late in making a payment. 
F30         or the amount of the required minimum payment, whichever is 
less. 
F31         or the amount of the returned convenience check, whichever 
is less. 

04220475-MXC40-P-1-011216 (MXC403 CCM003)-e 

NoneNone$68.00None$10.003.00%$35.001.00%$25.00$25.00January 1, 2016.$25.00$25.00$25.00