Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

APR for Balance Transfers 
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

VISA CLASSIC SECURED/VISA CLASSIC
ONYX SMART REWARDS/MIT ALUMNI

F1  

APPLICATION AND SOLICITATION DISCLOSURE

Visa Platinum Secured 
F2             
Visa Platinum 
F3             
This APR will vary with the market based on the Prime Rate. 

Visa Classic Secured 
F4             
Visa Classic 
F5             
This APR will vary with the market based on the Prime Rate. 

Onyx Smart 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.  

MIT Alumni 
F8             to F9             when you open your account, 
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 
Visa Platinum Secured 
F10           

Visa Platinum 
F11           

This APR will vary with the market based on the Prime Rate. 

Visa Classic Secured 
F12           

Visa Classic 
F13           

This APR will vary with the market based on the Prime Rate. 

Onyx Smart Rewards 
F14           to F15           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.  

MIT Alumni 
F16           to F17           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Platinum Secured 

DMABY4 (MXC400 CCM001)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
F18           

Visa Platinum 
F19           

This APR will vary with the market based on the Prime Rate. 

Visa Classic Secured 
F20           

Visa Classic 
F21           

This APR will vary with the market based on the Prime Rate. 

Onyx Smart Rewards 
F22           to F23           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.  

MIT Alumni 
F24           to F25           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F26           

This APR may be applied to the entire balance on your account if you: 
  -  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for any of these reasons, the Penalty APR will apply until you make at 
least six (6) minimum payments by the payment due date as shown in 
your monthly statement. 

Penalty APR and When it Applies 

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 Federal 
Reserve Board 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 

-  Foreign Transaction Processing Fee 

We do not charge you 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 Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

F27           of each multiple currency transaction in U.S. dollars 
F28           of each single currency transaction in U.S. dollars 
F29           of each International transaction in U.S. dollars (Maximum 
Fee: F30           of the amount) 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

Up to F31            
Up to F32           

How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).”  

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 

Effective Date.  
The information about the costs of the card described in this application is accurate as of F33            
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 

F34           or the amount of the required minimum payment, 
whichever is less, if you are ten (10) or more days late in making 
a payment. 
F35           or the amount of the required minimum payment, 
whichever is less. 
F36           

DMABY4 (MXC400 CCM001)-e  

 
 
 
 
 
 
 
 
 
Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
Copy of Entertainment and Entertainment Draft Fee 

F37           
F38           
F39           
F40           

DMABY4 (MXC400 CCM001)-e