APPLICATION AND
SOLICITATION
DISCLOSURE

PLATINUM MASTERCARD/WORLD MASTERCARD

Platinum Mastercard
8.74%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

21.24%

 to

World Mastercard
13.74% 24.99%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Platinum Mastercard
8.74%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

21.24%

 to

World Mastercard
24.99%
13.74%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Platinum Mastercard
10.74%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

23.24%

to

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Transaction Fees
- Cash Advance Fee
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

World Mastercard
to
24.99%
15.74%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

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.

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.

$10.00 or 2.00% of the amount of each cash advance, whichever is greater
None

Up to $29.00
Up to $29.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

Page 1

02100076-MXC10-P-1-061021 (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.

April 1, 2022

For California Borrowers, the Platinum Mastercard and World Mastercard 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.

Other Fees & Disclosures:
Late Payment Fee:
$29.00 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):
$10.00 or 2.00% of the amount of each cash advance, whichever is greater.

Returned Payment Fee:
$29.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$5.00.

Pay-by-Phone Fee:
$18.00.

Rush Fee:
$35.00.

Statement Copy Fee:
$5.00 per document.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02100076-MXC10-P-1-061021 (MXC102-E)

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