Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

F1 
APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum - Preferred Rate 
F2          or F3    
on your creditworthiness. 

 when you open your account, based 

Visa Platinum 
F4          or F5    
on your creditworthiness. 

 when you open your account, based 

Visa Platinum Rewards - Preferred Rate 
F6          or F7    
on your creditworthiness. 

 when you open your account, based 

Visa Platinum Rewards 
F8          or F9    
on your creditworthiness. 
Visa Platinum - Preferred Rate 
F10      Introductory APR, for qualifying members, until F11    

 when you open your account, based 

After that, or if you do not qualify for the Introductory APR, your APR 
will be F12        or F13        based on your creditworthiness.  

Visa Platinum 
F14       or F15    
creditworthiness. 

 when you open your account, based on your 

Visa Platinum Rewards - Preferred Rate 
F16      Introductory APR, for qualifying members, until F17   

After that, or if you do not qualify for the Introductory APR, your APR 
will be F18        or F19        based on your creditworthiness.  

 . 

 . 

Visa Platinum Rewards 
F20       or F21    
creditworthiness. 
Visa Platinum - Preferred Rate 
F22        or F23   
creditworthiness. 

 when you open your account, based on your 

 when you open your account, based on your 

Visa Platinum 
F24        or F25   
creditworthiness. 

 when you open your account, based on your 

Visa Platinum Rewards - Preferred Rate 
F26        or F27   
creditworthiness. 

 when you open your account, based on your 

Visa Platinum Rewards 
F28        or F29   
creditworthiness. 

 when you open your account, based on your 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DWIOM3 (MXC403 CCM003)-e

SEE BACK OF PAGE for more important information about your account. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 
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.  
F30    
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 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

F31    

F32    
F33    
F34    
F35    

 of each transaction in U.S. dollars 

Up to F36   
F37    
Up to F38   

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 

Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted 
to your account from F39                            , until F40                          .  

Effective Date:  
The information about the costs of the card described in this application is accurate as of F41                            .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 

 or the amount of the required minimum payment, whichever is 

 or the amount of the required minimum payment, whichever is 

F42    
less, if you are five (5) or more days late in making a payment. 
F43    
less. 
F44    
F45    
F46    
F47    

Balance  Transfer  Limitations:   If  you  request  balance  transfers,  such  transfers  must  be  in  amount  not  less  than 
$200.00.   The  Introductory  APR  for  Balance  Transfers  will  be  in  effect  for  12  months  from  the  issuance  of  the  balance 
transfer. When the discounted rate expires, the APR on existing balances will increase to the new non-discount rate on 
the first day of the billing cycle after the 12 month period. Any transfers to Summit Credit Union accounts are not eligible 
for the Introductory APR. 

DWIOM3 (MXC403 CCM003)-e