SEE NEXT PAGE for more important information about your account.  
10428685-MXC10-C-1-042320 (MXC101-E) � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  Page 1 of 4   
 APPLICATION AND SOLICITATION DISCLOSURE 
 
VISA CLASSIC/VISA GOLD/VISA PLATINUM/VISA SECURED/ENGAGE REWARDS VISA SIGNATURE  
 
Interest Rates and Interest Charges  
 Visa Classic  Visa Gold  Visa Platinum  Visa 
Secured  Engage Rewards Visa Signature  
Annual 
Percentage 
Rate (APR) 
for Purchases
 Fixed  
7.24% to 13.99% 
Introductory APR, for qualifying members, for a period of six billing cycles, based on your creditworthiness. 
 
After that, or if you do not qualify for an Introductory APR, your APR will be 
11.24% to 17.99% , based on your creditworthiness. 
 
Variable 
9.49% to 17.49% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Fixed  
6.24% to 13.99% 
Introductory APR, for qualifying members, for a period of six billing cycles, based on your creditworthiness. 
 
After that, or if you do not qualify for an Introductory APR, your APR will be 
10.24% to 17.99% , 
based on your creditworthiness.  
 
Variable 
9.24% to 17.49% , 
when you open your account, 
based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate. Fixed  
5.49% to 13.74% 
Introductory APR, for qualifying members, for a period of six billing cycles, based on your creditworthiness. 
 
After that, or if you do not qualify for an Introductory APR, your APR will be 
9.49% to 17.74% , based on your creditworthiness. 
 
Variable 
8.99% to 15.99% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Fixed  
11.49%  Variable  
10.99% to 17.49% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
 SEE NEXT PAGE for more important information about your account.  
10428685-MXC10-C-1-042320 (MXC101-E) � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  Page 2 of 4  Interest Rates and Interest  Charges  
 Visa Classic  Visa Gold  Visa Platinum  Visa 
Secured  Engage Rewards Visa Signature  
APR for 
Balance Transfers Fixed 
7.24%   to 13.99% 
Introductory APR, for qualifying members, for a period of 12 billing cycles, based on your creditworthiness. 
 
After that, or if you do not qualify for an Introductory APR, your APR will be 11.24% to 17.99% , based on your creditworthiness. 
 
Variable 9.49% to 17.49% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Fixed 
6.24%   to 13.99% 
Introductory APR, for qualifying members, for a period of 12 billing cycles, based on your creditworthiness. 
 
After that, or if you do not qualify for an Introductory APR, your APR will be 10.24% to 17.99% , based on your creditworthiness. 
 
Variable 9.24% to 17.49% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Fixed 
5.49%   to 13.74% 
Introductory APR, for qualifying members, for a period of 12 billing cycles, based on your creditworthiness. 
 
After that, or if you do not qualify for an Introductory APR, your APR will be 9.49% to 17.74% , based on your creditworthiness. 
 
Variable 8.99% to 15.99% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Fixed 
11.49% Variable 
10.99% to 17.49% , when you 
open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
APR for 
Cash Advances Fixed  
11.24% to 17.99% , based on your creditworthiness. 
 
Variable 
9.49% to 17.49% , when you open your account, based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate.  Fixed  
10.24% to 17.99% , based on your creditworthiness. 
 
Variable 
9.24% to 17.49% , when you open your account, based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate.  Fixed  
9.49% to 17.74% , based on your creditworthiness. 
 
Variable 
8.99% to 15.99% , when you open your account, based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate.  Fixed 
11.49% Variable 
10.99% to 17.49% , when you 
open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
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.   � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  Page 3 of 4  10428685 -MXC10 -C-1-042320 (MXC101 -E)  Fees   
Set-up and Maintenance Fees   
- Account Set -up Fee  None  
- Program Fee  None  
- Participation Fee  None  
Transaction Fees   
- Balance Transfer Fee  None  
- Cash Advance Fee  None  
- Foreign Transaction Fee  None  
- Transaction Fee for Purchases  None  
Penalty Fees   
- Late Payment Fee  Up to $25.00  
- Over -the-Credit Limit Fee  None  
- Returned Payment Fee  Up to $25.00  
 
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: January 1, 2021  This information may have changed after that date. To fi nd out what may have changed, contact the Credit Union.  
 
Fixed Rate Cards: 
For Visa Classic Fixed Rate, Visa Gold Fixed Rate, Visa Platinum Fixed Rate, and Visa Secured Fixed Rate cards, your rate will not change for 12 months from account opening. You wil l receive notification of any subsequent change in rate as required by law.  For California Borrowers, the Visa Secured card is a secured credit card. Credit extended under this credit card account is secured by various personal property and money includin g, 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 excl uding  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. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any ind ividual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered  borrower. 
 
Other Fees & Disclosures: 
Late Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment. 
 
Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less.   
Returned Convenience Check Fee: 
$20.00 or the amount of the returned convenience check, whichever is less.   
Card Replacement Fee: 
$5.00.  
Document Copy Fee: 
$1.00 per page.  
PIN Replacement Fee: 
$5.00. 
 
 
SEE NEXT PAGE for more important information about your account.  
 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  Page 4 of 4  10428685 -MXC10 -C-1-042320 (MXC101 -E)  Rush Fee: 
$20.00.  
Statement Copy Fee: 
$1.00 per document.  
Courtesy Check Stop Payment: 
$15.00 per check. 
 
 
UNIFY Financial Federal Credit Union doing business as UNIFY Financial Credit Union.                                              
 
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