Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Visa Platinum 

F2           Introductory APR for a period of 12 billing cycles.  

After that your APR will be F3           to F4           based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Signature 

F5           Introductory APR for a period of 12 billing cycles.  

After that your APR will be F6           to F7           based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Platinum 

F8             Introductory APR for a period of 12 billing cycles. 

After that your APR will be F9             to F10           based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Signature 

F11           Introductory APR for a period of 12 billing cycles. 

After that your APR will be F12           to F13           based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Platinum 

F14         to F15         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Signature 

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 

F18           
This APR will vary with the market based on the Prime Rate. 

Visa Signature 

F19           
This APR will vary with the market based on the Prime Rate. 

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 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DMAFX1 (MXC402 CCM002) 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

for this reason, the Penalty APR will apply until you make six (6) 
consecutive minimum payments when due. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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. 

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Application Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F20           
F21           

F22           
F23         or F24         of the amount of each cash advance, whichever 
is greater 
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).”  

Promotional  Period  for  Introductory  APR.  The  Introductory  APR  for  purchases  and  balance  transfers  will  apply  to 
transactions posted to your account during the first 12 months following the opening of your account.  

Loss  of  Introductory  APR.  We  may  end  your  Introductory  APR  for  purchases  and  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. 

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 

Statement Copy Fee 
Emergency Card Replacement Fee 
Pay-by-Phone 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           
F32           
F33           

DMAFX1 (MXC402 CCM00)-e