APPLICATION AND SOLICITATION DISCLOSURE  
 
Interest Rates and Interest  Charges  
Annual Percentage Rate 
(APR)  for Purchases  Standard fixed APR of 8.90% (Platinum), 10.90% (Gold), 
12.00 (Standard) will apply  based on your creditworthiness . 
APR for Balance  Transfers  and Cash 
Advances  Standard fixed APR of 8.90% (Platinum), 10.90% (Gold), 
12.00 (Standard) will apply  based on your credit worthiness . 
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  
Annual Fee  $0 
Transaction  Fees   
- Balance Transfer  Fee $0 
- Cash Advance  Fee $0 
- Foreign Transaction  Up to 1% of each transaction in U.S. dollars  
Penalty  Fees   
- Late Payment  Fee Up to $20.00  
- Returned Payment  Fee Up to $20.00  
  
How We Will Calculate Your Balance. We use a method called �average daily balance (including new  purchases).�  
Effective  Date.  
The information about the costs of the card described in this application is accurate as  of September 1, 2016 . 
This information may  have changed after that date. To find out what may have changed, contact the  Credit Union.  
OTHER  DISCLOSURES  
Late Payment  Fee $20.00 or the amount of the required minimum  payment,  whichever  
is less, if you are 11 or more days late in making a  payment.  
Returned  Payment  Fee $20.00 or the amount of the required minimum  payment,  whichever  
is less. 
Statement Copy Fee  $3.00  
Document Copy Fee  $5.00  
Rush Fee  $55.00  
Card Replacement Fee  $5.00  
 
 
 
 
 
 
 
 
 
 
 
D42P40 (MXC402  CC 
 
 
PO Box 158 | Deer Park, TX 77536 | 281.479.6651