Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

VISA PLATINUM/VISA PLATINUM REWARDS/
VISA PLATINUM CASH BACK

F1            

APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum 
0.00%
F2

Introductory APR for a period of F3                              .

six billing cycles

to F5          , based on 
After that your APR will be F4
your creditworthiness. This APR will vary with the market based on the 
Prime Rate.

10.15%

19.15%

Visa Platinum Rewards 
0.00%
F6

Introductory APR for a period of F7                             .

six billing cycles

12.15%
to F9          , based 
After that your APR will be F8
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate.

21.15%

Visa Platinum Cash Back 
0.00%
F10

Introductory APR for a period of F11                            .

six billing cycles

10.74%
to F13        , based 
After that your APR will be F12
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate.
Visa Platinum 
0.00%
F14         Introductory APR for a period of F15                            .

19.74%

six billing cycles

10.15%
After that your APR will be F16         to F17        , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

19.15%

Visa Platinum Rewards 
0.00%
F18         Introductory APR for a period of F19                            .

six billing cycles

12.15%
After that your APR will be F20         to F21        , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

21.15%

Visa Platinum Cash Back 
0.00%
F22         Introductory APR for a period of F23                            .

six billing cycles

10.74%
After that your APR will be F24         to F25        , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

19.74%

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

01227196-MXC40-C-1-121916 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
APR for Cash Advances 

Visa Platinum 
10.15%
F26         to F27     when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

19.15%

Visa Platinum Rewards 
12.15%
F28         to F29     when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

21.15%

Visa Platinum Cash Back 
10.74%
F30         to F31     when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

19.74%

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 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 
Transaction Fees 
- Cash Advance Fee

- Foreign Transaction Fee
Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

$5.00
F32    
greater
2.00%
F34    

3.00%
or F33    

of the amount of each cash advance, whichever is 

of each transaction in U.S. dollars

Up to F35   
Up to F36   

$20.00
$25.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 
Visa  Platinum  –  Promotional  Period  for  Introductory  APR:  The  Introductory  APR  for  purchases  will  apply  to 
transactions posted to your account during the first F37                         following issuance of your card. The Introductory 
APR for balance transfers will apply to transactions posted to your account until F38     
Visa Platinum Rewards – Promotional Period for Introductory APR: The Introductory APR for purchases will apply to 
transactions posted to your account during the first F39                         following issuance of your card. The Introductory 
APR for balance transfers will apply to transactions posted to your account until F40     
Visa Platinum Cash Back – Promotional Period for Introductory APR: The Introductory APR for purchases will apply 
six billing cycles
to transactions posted to your account during the first F41                         following issuance of your card. The Introductory 
APR for balance transfers will apply to transactions posted to your account until F42     

the seventh billing cycle.

the seventh billing cycle.

the seventh billing cycle.

six billing cycles

six billing cycles

Effective Date:  
The information about the costs of the card described in this application is accurate as of F43       
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

January 1, 2017.

OTHER DISCLOSURES 

Late Payment Fee

Returned Payment Fee

Document Copy Fee
Rush Fee
Emergency Card Replacement Fee
Card Recovery Fee
Representative-Assisted Expedited Payment Fee

$20.00
F44         or the amount of the required minimum payment, 
whichever is less, if you are one or more days late in making a 
payment.
$25.00
F45         or the amount of the required minimum payment, 
whichever is less.
$12.00
F46    
$15.00
F47    
$150.00
F48    
$65.00
F49    
$5.00
F50    

01227196-MXC40-C-1-121916 (MXC403 CCM003)-e