APPLICATION AND SOLICITATION DISCLOSURE

F1  

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Cash Advances 
APR for Cash Advances 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

F2              
F3             
F4             

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
-  Cash Advance Fee 

-  Currency Conversion and International 

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

F5             or F6             of the amount of each cash advance, 
whichever is greater (Maximum Fee: F7            ) 
F8             of each transaction in U.S. dollars 

Up to F9              
Up to F10           

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

Effective Date.  
The information about the costs of the card described in this application is accurate as of  F11            
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 

Statement Copy Fee 
Rush Fee (Next Business Day) 
Rush Fee (Second Business Day) 

F12           or the amount of the required minimum payment, whichever 
is less, your payment is not received by your next statement closing 
date.  The next statement closing date varies by month from 4-6 days 
after your payment due date. 
F13           or the amount of the required minimum payment, whichever 
is less. 
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F15           
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