APPLICATION AND
SOLICITATION
DISCLOSURE

Visa Platinum

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

 to

8.50%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

13.74%

APR for Balance Transfers

0.00%

 Introductory APR for a period of

six billing cycles.

APR for Cash Advances

 to

8.50%

13.74%

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.
8.50%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

, based on your

13.74%

to

Penalty APR and When it Applies

18.00%

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 23 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.
If you are charged interest, the charge will be no less than $0.50.
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
$2.00
1.00%

 of each transaction in U.S. dollars

Up to $25.00
Up to $25.00

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
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)."

Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to your account from
09/30/22
eligible for the Introductory APR for balance transfers.

until
. Any existing balances on American Airlines Federal Credit Union loan or credit card accounts are not

07/01/22

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04223935-MXC10-C-8-120321 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

Loss of Introductory APR:
We may end your Introductory APR for balance transfers and apply the Penalty APR if you are 60 days 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.

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:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

07/01/22

For California Borrowers, the Visa Platinum is a secured credit card. 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.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
payment.

Cash Advance Fee (Finance Charge):
$2.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$5.00.

Document Copy Fee:
$6.00.

Rush Fee:
$50.00 overnight. $25.00 second day.

Statement Copy Fee:
$6.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04223935-MXC10-C-8-120321 (MXC102-E)

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 Rewards

10.00% 15.74%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

 to

15.74%

10.00%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

to

15.74%

10.00%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Penalty APR and When it Applies

18.00%

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 23 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.
If you are charged interest, the charge will be no less than $0.50.
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
$2.00
None

 of each transaction in U.S. dollars

Up to $25.00
Up to $25.00

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
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)."

Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Minimum Interest Charge:
The minimum interest charge will be charged on any dollar amount.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04223935-MXC10-C-6-120321 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

Effective Date:
The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

07/01/22

For California Borrowers, the Visa Platinum is a secured credit card. 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.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
payment.

Cash Advance Fee (Finance Charge):
$2.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$5.00.

Document Copy Fee:
$6.00.

Rush Fee:
$50.00 overnight. $25.00 second day.

Statement Copy Fee:
$6.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04223935-MXC10-C-6-120321 (MXC102-E)

APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

13.74%
This APR will vary with the market based on the Prime Rate.

13.74%
This APR will vary with the market based on the Prime Rate.
13.74%
This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

18.00%

Visa Platinum Secured

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 23 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.
If you are charged interest, the charge will be no less than $0.50.
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
$2.00
1.00% of each transaction in U.S. dollars

Up to $25.00
Up to $25.00

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge

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)."

Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

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:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

07/01/22

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04223935-MXC10-C-12-032422 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

For California Borrowers, the Visa Platinum Secured is a secured credit card. 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.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
payment.

Cash Advance Fee (Finance Charge):
$2.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$5.00.

Document Copy Fee:
$6.00.

Rush Fee:
$50.00 overnight. $25.00 second day.

Statement Copy Fee:
$6.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04223935-MXC10-C-12-032422 (MXC102-E)