VISA PLATINUM SECURED/VISA PLATINUM/ 
VISA CLASSIC SECURED/VISA CLASSIC/ 
ONYX SMART REWARDS/MIT ALUMNI 
F1  

APPLICATION AND SOLICITATION DISCLOSURE

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

Visa Platinum Secured 
F2             
8.99%

Visa Platinum 
F3             
8.99%
This APR will vary with the market based on the Prime Rate. 

Visa Classic Secured 
F4             
10.99%

Visa Classic 
F5             
10.99%
This APR will vary with the market based on the Prime Rate. 

Onyx Smart Rewards 
F6          to F7          when you open your account, based 
11.99%
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate.  

14.99%

MIT Alumni 
F8          to F9          when you open your account, based 
11.99%
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
Visa Platinum Secured 

14.99%

F10           
8.99%

Visa Platinum 

F11           
8.99%
This APR will vary with the market based on the Prime Rate. 

Visa Classic Secured 

F12           
10.99%

Visa Classic 

F13           
10.99%
This APR will vary with the market based on the Prime Rate. 

Onyx Smart Rewards 

14.99%

F14        to F15        when you open your account, based on your 
11.99%
creditworthiness. This APR will vary with the market based on the 
Prime Rate.  

APR for Balance Transfers 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DMABY5 (MXC402 CCM002)-e 

SEE NEXT 2 PAGES for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
APR for Cash Advances 

Penalty APR and When it Applies 

MIT Alumni 

14.99%

F16        to F17        when you open your account, based on your 
11.99%
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Platinum Secured 

F18           
8.99%

Visa Platinum 

F19           
8.99%
This APR will vary with the market based on the Prime Rate. 

Visa Classic Secured 

F20           
10.99%

Visa Classic 

F21           
10.99%
This APR will vary with the market based on the Prime Rate. 

Onyx Smart Rewards 

14.99%

F22        to F23        when you open your account, based on your 
11.99%
creditworthiness. This APR will vary with the market based on the 
Prime Rate.  

MIT Alumni 

14.99%

F24        to F25        when you open your account, based on your 
11.99%
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F26           
16.99%

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 these reasons, the Penalty APR will apply until you make six (6) 
consecutive minimum payments when due. 

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 Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 

-  Foreign Transaction Processing Fee 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

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 or visit the website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

F27        of each multiple currency transaction in U.S. dollars 
1.00%
0.80% of each single currency transaction in U.S. dollars 
F28        of each International transaction in U.S. dollars (maximum fee: 
1.00%
F29        of the amount) 
2.00%

Up to F30            
$25.00
Up to F31           
$25.00

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 F32            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

December 1, 2012.

DMABY5 (MXC402 CCM002)-e 

 
 
 
 
 
 
 
 
 
 
 
OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Copy of Entertainment and Entertainment Draft Fee 

F33        or the amount of the required minimum payment, 
$25.00
whichever is less, if you are ten (10) or more days late in making 
a payment. 
F34        or the amount of the required minimum payment, 
$25.00
whichever is less. 
F35           
$5.00
F36           
$5.00
F37           
$50.00
F38           
$75.00
F39           
$15.00
F40           
$25.00

DMABY5 (MXC402 CCM002)-e