Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

F1  

Visa Platinum 

F2           to F3           when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

Visa Platinum Rewards 

F4           to F5           when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate.  

Visa Platinum with Cash Rewards 

F6           to F7           when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate.  

Visa Student 

F8           to F9           when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

Visa Secured 

F10            
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 

F11         to F12         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum Rewards 

F13         to F14         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.  

Visa Platinum with Cash Rewards 

F15         to F16         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Student 

F17         to F18         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.  

Visa Secured 

F19            

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DWINL0 (MXC400 CCM001)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
APR for Balance Transfers 

Minimum Interest Charge 

This APR will vary with the market based on the Prime Rate. 
Visa Platinum  

F20         to F21         Introductory APR, for qualifying members, until 
F22                        based on your creditworthiness. 

After that your APR will be F23         to F24         when you open your 
account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 

Visa Platinum Rewards 

F25         to F26         Introductory APR, for qualifying members, until 
F27                        based on your creditworthiness. 

After that your APR will be F28         to F29         when you open your 
account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate.  

Visa Platinum with Cash Rewards 

F30         to F31         Introductory APR, for qualifying members, until 
F32                        based on your creditworthiness. 

After that your APR will be F33         to F34         when you open your 
account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate.  

Visa Student 

F35         to F36         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.  

Visa Secured 

F37            
This APR will vary with the market based on the Prime Rate. 
If you are charged interest, the charge will be no less than F38           
The minimum interest charge will be charged on any dollar amount. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Federal 
Reserve Board 

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Additional Card Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

We do not charge you 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 Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

F39           
F40           

F41           
F42           
F43         of each multiple currency transaction in U.S. dollars 
F44         of each single currency transaction in U.S. dollars 

Up to F45            
F46           
Up to F47           

How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).”  
Balance Transfer Promotion.  The Introductory APR as disclosed above will apply to balance transfers posted to your 
account until F48           
Effective Date.  
The information about the costs of the card described in this application is accurate as of F49           

This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

DWINL0 (MXC400 CCM001)-e  

 
 
 
 
 
 
 
 
OTHER DISCLOSURES 
Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Rush Fee 
Card Replacement Fee 

F50         or the amount of the required minimum payment, whichever 
is less. 
F51         or the amount of the required minimum payment, whichever 
is less. 
F52           
F53           
F54           

DWINL0 (MXC400 CCM001)-e