Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

Visa Platinum 

F1 

APR for Balance Transfers 

 when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

Visa Platinum Rewards/Visa Student 

 when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

Visa Platinum with Cash Rewards 

 when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

Visa Student 

 when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

Visa Secured 

F10
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 

0.00%   to  1.99%
based on your creditworthiness. 

 Introductory APR for a period of 12 billing cycles 

After that your APR will be F13            F14         based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum Rewards 

0.00%   to  1.99%
based on your creditworthiness. 

 Introductory APR for a period of 12 billing cycles 

After that your APR will be F17            F18         based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum with Cash Rewards 

0.00%   to  1.99%
based on your creditworthiness. 

 Introductory APR for a period of 12 billing cycles 

After that your APR will be F21            F22         based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.  

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DWIRF0 (MXC402 CCM002)-e

SEE BACK OF PAGE for more important information about your account. 

APPLICATION AND SOLICITATION DISCLOSURE8.75% to 15.75%8.75% to 15.75%10.10% to 17.10%10.10% to 17.10%11.35% to 18.35%11.35% to 18.35%10.10% to 17.10%14.20%APR for Cash Advances 

Visa Student 

 when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Secured 

F25     
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 

 when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum Rewards 

 when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum with Cash Rewards 

 when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.  

Visa Student 

 when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Secured 

F34     
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. 

Minimum Interest Charge 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
If you are charged interest, the charge will be no less than F35     
The minimum interest charge will be charged on any dollar amount. 
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. 

DWIRF0 (MXC402 CCM002)-e 

8.75% to 15.75%10.10% to 17.10%11.35% to 18.35%10.10% to 17.10%10.10% to 17.10%14.20%14.20%$1.00.Fees 
Set-up and Maintenance Fees 
- Annual Fee
- Additional Card Fee
Transaction Fees 
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee

- Transaction Fee for Purchases
Penalty Fees 
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

F36    

Either $10 or 2% of the amount of each transfer, whichever is greater.    
F39    
F40   

 of each multiple currency transaction in U.S. dollars 
 of each single currency transaction in U.S. dollars 

F42    

Up to F43   
F44    
Up to F45   

How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).” 

Promotional Period for Introductory APR. The Introductory APR for balance transfers will apply to transactions posted 
to your account during the first 60 days following the opening of your account.  

Effective Date.  
The information about the costs of the card described in this application is accurate as of F46   
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Rush Fee 
Card Replacement Fee 

 or the amount of the required minimum payment, whichever 

F47    
is less, if you are one (1) or more days late in making a payment. 
F48    
is less. 
F49     
F50     

 or the amount of the required minimum payment, whichever 

DWIRF0 (MXC402 CCM002)-e 

NoneNone$2.001.00%0.80%None$25.00None$25.002/1/2016$25.00$25.00$25.00$5.00