Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

APR for Balance Transfers 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

Visa Platinum 

F2             
This APR will vary with the market based on the Prime Rate. 

Visa Gold 

F3             
This APR will vary with the market based on the Prime Rate.  

Visa Classic/Visa Classic Student/Visa Credit One 

F4             
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 

F5             
This APR will vary with the market based on the Prime Rate. 

Visa Gold 

F6             
This APR will vary with the market based on the Prime Rate.  

Visa Classic/Visa Classic Student/Visa Credit One 

F7             
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 

F8             
This APR will vary with the market based on the Prime Rate. 

Visa Gold 

F9             
This APR will vary with the market based on the Prime Rate.  

Visa Classic/Visa Classic Student/Visa Credit One 

F10           
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. 

For Credit Card Tips from the Federal 
Reserve Board 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 

We do not charge you 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 Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

F11           of each multiple currency transaction in U.S. dollars 
F12           of each single currency transaction in U.S. dollars 

Up to F13            

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

DAZCT1 (MXC400 CCM001)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
Effective Date.  
The information about the costs of the card described in this application is accurate as of F14           
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Emergency Card Replacement Fee 
Card Replacement Fee 
Loan Modification Fee 

F15           or the amount of the required minimum payment, whichever 
is less, if you are ten (10) or more days late in making a payment. 
F16           
F17           
F18           

DAZCT1 (MXC400 CCM001)-e