Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE 

F1             

RateFirst MasterCard 
F2          to F3          when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

RewardsFirst MasterCard 
F4          to F5          when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
RateFirst MasterCard 
F6          to F7          when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

RewardsFirst MasterCard 
F8          to F9          when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
RateFirst MasterCard 
F10        to F11        when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Penalty APR and When it Applies 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

RewardsFirst MasterCard 
F12        to F13        when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F14           

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 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Application Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F15           
F16           

F17           
F18           
F19        of each transaction in U.S. dollars 
F20           

Up to F21            
Up to F22           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

04802550-MXC40-P-1-101515  (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
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 F23                               .  
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 
Card Replacement Fee 
Additional Rush Fee 
Design Your Own Card 

F24        or the amount of the required minimum payment, whichever is 
less, if you are five or more days late in making a payment. 
F25        or the amount of the required minimum payment, whichever is 
less. 
F26        per document 
F27        per document 
F28           
F29           
F30           

04802550-MXC40-P-1-101515  (MXC403 CCM003)-e