Interest Rates and Interest Charges
Annual Percentage Rate (APR) for PurchasesSpurs Rewards MasterCard Level I
  Introductory APR for a period of six billing cycles. After that your APR will be 
 . This APR will vary with the market based on the Prime Rate.Spurs Rewards MasterCard Level II
  Introductory APR for a period of six billing cycles. After that your APR will be 
 . This APR will vary with the market based on the Prime Rate.Spurs Rewards MasterCard Level III
  Introductory APR for a period of six billing cycles. After that your APR will be 
 . This APR will vary with the market based on the Prime Rate.APR for Balance Transfers Spurs Rewards MasterCard Level ISpurs Rewards MasterCard Level IISpurs Rewards MasterCard Level IIIAPR for Cash Advances Spurs Rewards MasterCard Level I  Introductory APR for a period of six billing cycles. After that your APR will be  . This APR will vary with the market based on the Prime Rate.Spurs Rewards MasterCard Level II  Introductory APR for a period of six billing cycles. After that your APR will be  . This APR will vary with the market based on the Prime Rate.Spurs Rewards MasterCard Level III  Introductory APR for a period of six billing cycles. After that your APR will be  . This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on PurchasesYour 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 BureauTo 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- Foreign Transaction Fee1.00% of each transaction in U.S. dollars Penalty Fees- Late Payment Fee- Over-the-Credit Limit Fee- Returned Payment FeeUp to $25.00 NoneUp to $25.00SPURS REWARDS MASTERCARD LEVEL ISPURS REWARDS MASTERCARD LEVEL IISPURS REWARDS MASTERCARD LEVEL IIIAPPLICATION AND SOLICITATION DISCLOSURE
SEE NEXT PAGE for more important information about your account.2.90%9.90%5.90%12.90%8.90%15.50%
5.90%8.90%11.90%2.90%9.90%5.90%12.90%8.90%15.50% � CUNA Mutual Group 2009, 10, 12 All Rights ReservedD42NC1-HRCCM003MXC403SPURS REWARDS MASTERCARD LEVEL ISPURS REWARDS MASTERCARD LEVEL IISPURS REWARDS MASTERCARD LEVEL III
APPLICATION ANDSOLICITATION DISCLOSUREHow We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� Loss of Introductory APR: We may end your Introductory APR for purchases and cash advances and apply the prevailing non-introductory 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 August 1, 2015. This information may have changed after that date. To find out what may have changed, contact the Credit Union.OTHER DISCLOSURESLate Payment Fee Returned Payment Fee  $25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.$25.00 or the amount of the required minimum payment, whichever is less.
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