Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND 

SOLICITATION 
DISCLOSURE 

VISA PLATINUM / PLATINUM REWARDS 

Visa Platinum 
0.00% 

Introductory APR for twelve months from account opening.

After that, your APR will be 7.65% 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

to 17.95%, based on

Visa platinum Rewards 
0.00% 

Introductory APR for twelve months from account opening.

After that, your APR will be 9.65% to 12.95%, based on your
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Visa Platinum 
0.00% 

Introductory APR for twelve months from account opening.

After that, your APR will be 7.65% 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

to 17.95%, based on your 

Visa platinum Rewards 
0.00% 

Introductory APR for twelve months from account opening.

After that, your APR will be 9.65% to 12.95%, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Visa Platinum 
14.95% to 17.95%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa platinum Rewards 
14.95%

This APR will vary with the market based on the Prime Rate. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

03202928-MXC10-C-1-090517 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

Penalty APR and When it Applies 

Visa Platinum 
17.95% 

Visa platinum Rewards 
17.95% 

This APR may be applied to your account if you: 
- Make a late payment.

How Long Will the Penalty APR Apply? If your APRs are increased for 
this reason, the Penalty APR will apply until you make six consecutive 
minimum payments when due. 

Your due date is at least 28 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. 

None 

None 
None 
1.00% of each transaction in U.S. dollars 

Up to $25.00 
Up to $25.00 

How to Avoid Paying Interest on 
Purchases 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Annual Fee 
- Annual Fee

Transaction Fees 
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

Loss of Introductory APR: 
We may end your Introductory APR for purchases and balance transfers and apply the Penalty APR if you are one day 
late in making a payment. 

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: November 1, 2018 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For California Borrowers, the Visa Platinum and Visa platinum Rewards 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  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.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

03202928-MXC10-C-1-090517 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

Other Fees & Disclosures: 
Late Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are six or more days late in making a 
payment. 

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 

Returned Convenience Check Fee: 
$25.00 or the amount of the returned convenience check, whichever is less. 

Card Replacement Fee: 
$10.00. 

Rush Fee: 
$50.00. 

Statement Copy Fee: 
$5.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

03202928-MXC10-C-1-090517 (MXC101-E)