APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum

This APR will vary with the market based on the Prime Rate.

Visa Classic

This APR will vary with the market based on the Prime Rate.

Student Visa Platinum

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Visa Platinum

This APR will vary with the market based on the Prime Rate.

Visa Classic

This APR will vary with the market based on the Prime Rate.

Student Visa Platinum

APR for Cash Advances

This APR will vary with the market based on the Prime Rate.
Visa Platinum

This APR will vary with the market based on the Prime Rate.

Visa Classic

This APR will vary with the market based on the Prime Rate.

Student Visa Platinum

This APR will vary with the market based on the Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00601975-MXC10-P-1-060117 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

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.

Fees
Transaction Fees
- Cash Advance Fee
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

3.00% of the amount of each cash advance
2.00% of each transaction in U.S. dollars

Up to $25.00
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:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For  California  Borrowers,  the  Visa  Platinum,  Visa  Classic  and  Student  Visa  Platinum  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.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if payment is not received by 5:00 PM 
Eastern time on the date it is due.

Cash Advance Fee (Finance Charge):
3.00% of each cash advance.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$10.00.

Document Copy Fee:
$5.00.

Statement Copy Fee:
$5.00.

Pre-Authorized Recurring Payment Cancellation Fee:
$25.00

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00601975-MXC10-P-1-060117 (MXC101-E)