APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM/VISA PLATINUM REWARDS/VISA 
SIGNATURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum
14.40%

Visa Platinum Rewards
11.99% 12.99% 13.99% 16.99% 17.90%
,
,
when you open your account, based on your creditworthiness. This APR will
vary with the market based on the Prime Rate.

or

,

,

Visa Signature
12.99% 13.99% 16.99% 17.90%
open your account, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.

, when you

or

,

,

APR for Balance Transfers

Visa Platinum
14.40%

Visa Platinum Rewards
or
11.99% 12.99% 13.99% 16.99% 17.90%
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

,

APR for Cash Advances

,

Visa Signature
,
12.99% 13.99% 16.99% 17.90%
on your creditworthiness. This APR will vary with the market based on the
Prime Rate.
Visa Platinum
14.40%

, when you open your account, based

 or

Visa Platinum Rewards
or
11.99% 12.99% 13.99% 16.99% 17.90%
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

,

Visa Signature
,
12.99% 13.99% 16.99% 17.90%
on your creditworthiness. This APR will vary with the market based on the
Prime Rate.

, when you open your account, based

or

,

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00910226-MXC10-P-1-070219 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Penalty APR and When it Applies

Visa Platinum
17.90%

Visa Platinum Rewards
17.90%

Visa Signature
17.90%

This APR may be applied to your account if you:
- Make a late payment.

How Long Will the Penalty APR Apply? If your APRs are increased for
this reason, the Penalty APR will apply until you make six consecutive
minimum payments when due.

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.

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.

None

None
$5.00 or 2.00% of the amount of each cash advance, whichever is greater
(Maximum Fee: $500.00)
$10.00 or 3.00% of the amount of each cash advance, whichever is greater
(Maximum Fee: $500.00)
1.00% of each transaction in U.S. dollars

Up to $25.00
None
Up to $25.00

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Annual Fee
- Annual Fee

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee - Visa Platinum, Visa
Platinum Rewards
- Cash Advance Fee - Visa Signature

- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Effective Date:
The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

July 2, 2019

For California Borrowers, the Visa Platinum, Visa Platinum Rewards and Visa Signature are secured credit cards.
Credit extended under this credit card account is secured by various personal property and money including, 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 excluding 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 individual 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.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00910226-MXC10-P-1-070219 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

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.

Cash Advance Fee (Finance Charge) - Visa Platinum, Visa Platinum Rewards:
$5.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $500.00.

Cash Advance Fee (Finance Charge) - Visa Signature:
$10.00 or 3.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $500.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee:
$27.00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee:
$10.00.

Document Copy Fee:
$2.00 per document.

Pay-by-Phone Fee:
$10.00.

Rush Fee:
$50.00 second day.

Statement Copy Fee:
$5.00 per page.

Convenience or Balance Transfer Check Stop Payment Fee:
$35.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00910226-MXC10-P-1-070219 (MXC101-E)