� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved   03700572-MXC10-P-2-090321 (MXC102-E)  
 
  APPLICATION AND 
SOLICITATION 
DISCLOSURE   
  
  
SECURED MASTERCARD  
      
Interest Rates and Interest Charges  
 
Annual Percentage Rate (APR) for 
Purchases     
15.90%  
  
 
 
 
    
  
APR for Balance Transfers  15.90% 
   
       
APR for Cash Advances  15.90% 
   
         
How to Avoid Paying Interest on 
Purchases  Your due date is at least 25 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.   
       
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  
  
Transaction Fees   
 
- Balance Transfer Fee  None 
  
- Foreign Transaction Fee  1.00% of each transaction in U.S. dollars 
      
 
Penalty Fees   
  
- Late Payment Fee  Up to $25.00 
  
- Returned Payment Fee  Up to $25.00 
  
       
 
How We Will Calculate Your Balance:  
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash 
advances)." 
 
Effective Date:  
The information about the costs of the card described in this application is accurate as of: September 03, 2021 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
 
For California Borrowers, the Secured Mastercard 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 15 or more days late in making a 
payment.  
 
Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less.  
 
Card Replacement Fee: 
$7.00.  
 
Document Copy Fee: 
$5.00.     
  
  
  03700572-MXC10-P-2-090321 (MXC102-E)  
  
Pay-by-Phone Fee: 
$10.00.  
 
Rush Fee: 
$30.00. 
 
Statement Copy Fee: 
$5.00.  
 
 
 
 
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.