GOLD MASTERCARD/STANDARD MASTERCARD
APPLICATION AND SOLICITATION DISCLOSURE

F1  

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Cash Advances 
APR for Balance Transfers 

F2             
10.90%
10.90%
F3             
4.99%
F4             Introductory APR for a period of F5             

12 billing cycles.

Penalty APR and When it Applies 
Minimum Interest Charge 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

After that your APR on existing balances will increase to the non-
discounted rate of F6              
None
F7             
None
F8             

10.90%.

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee (ATM) 
-  Cash Advance Fee (Over-the-Counter) 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit 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 Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

None
F9             

None
F10           
$0.75
F11           per cash advance 
None
F12           
1.10%
F13           of each transaction in U.S. dollars 

$20.00
Up to F14            
None
F15           

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  

Loss  of  Introductory  APR.  We  may  end  your  Balance  Transfer  Introductory  APR  if  you  are  60  days  late  in  making  a 
payment. With the loss of your Introductory APR, your APR will be a rate of F16            

10.90%.

Balance Transfer Promotion.  The Balance Transfer Introductory APR as disclosed above will apply to balance transfers 
January 1, 2016
posted to your account during the period beginning F17                          and ending F18           

February 29, 2016.

Effective Date.  
The information about the costs of the card described in this application is accurate as of F19            
This information may have changed after that date. To find out what may have changed, visit one of our branches, call the 
Member Service Center at (301) 497-7000 or (800) 787-8328 or write to us at Tower Federal Credit Union, P.O. Box 123, 
Annapolis Junction, MD 20701-0123. 

January 1, 2016.

OTHER DISCLOSURES 

Late Payment Fee 

Statement Copy Fee 
Card Replacement Fee 
Sales Draft Copy Fee 

$20.00
F20           or the amount of the required minimum payment, whichever 
is less, if you are 14 or more days late in making a payment. 
$2.00
F21           per page up to a maximum of F22        per statement month.
$5.00
F23           
$3.00
F24           

$5.00

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

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