APPLICATION AND SOLICITATION DISCLOSURE 
VISA ALEC SELECT/VISA ALEC SELECT REWARDS/VISA ALEC SIGNATURE REWARDS 
Interest Rates and Interest Charges Annual Percentage Rate (APR) forPurchases 
Visa ALEC Select
0.00%  Introductory APR, for qualifying members, for a per iod of 12 
billing cycles. 
After that, or  if you do not qualify for the Introductory  APR, your APR will be
9.45% to 18.45% , based on your c reditworthines s. This APR 
will v ary with the market based on the Prime Rate. 
Visa ALEC Select Rewards
0.00%  Introductory APR, for qualifying members, for a per iod of 12 
billing cycles. 
After that, or  if you do not qualify for the Introductory  APR, your APR will be
11.45% to 20.45% , based on your  creditworthiness. This 
APR will vary with the market based on the Prime Rate. 
Visa ALEC Signature Rewards
0.00%  Introductory APR, for qualifying members, for a per iod of 12 
billing cycles. 
After that, or  if you do not qualify for  the Introductory APR, your APR will be
13.45% to 14.45% , based on your creditworthines s. This APR 
will vary with the market based on the Prime Rate. 
SEE NEXT PAGE for more important information about your account. 
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01229945-MXC10-C-1-123119 (MXC101-E) 
 APR for Balance Transfers Visa ALEC Select
0.00%  Introductory APR, for qualifying members, for a period of 12 billing 
cycles. 
After that, or if you do not qualify for the Introductory  APR, your APR will be 
9.45% to 18.45% , based on y our creditworthines s. This APR will vary 
with the market based on the Prime Rate. 
Visa ALEC Select Rewards
0.00%  Introductory APR, for qualifying members, for a period of 12 billing 
cycles. 
After that, or if you do not qualify for the Introductory APR, your APR will be 
11.45% to 20.45% , based on your creditworthiness. This APR will v ary 
with the market based on the Prime Rate. 
Visa ALEC Signat ure Rewards
0.00%  Introductory APR, for qualifying members, for a period of 12 billing 
cycles. 
After that, or  if you do not qualify for  the Introductory APR, your APR will be 
13.45% to 14.45% , based on y our creditworthines s. This APR will vary 
with the market based on the Prime Rate. 
APR for Cash Advances Visa ALEC Select 
9.45% to 18.45% , when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Visa ALEC Select Rewards 
11.45% to 20.45% , when y ou open your  account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Visa ALEC Signature Rewards
13.45% to 14.45% , when y ou open your  account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
How to Avoid Paying Interest onPurchases Your 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 theConsumer Financial Protection Bureau To learn more about factors to consider when applying for or using acredit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Transaction Fees -
Balance Transfer Fee2.00% of the amount of each balance transfer - Cash Advance Fee3.00% of the amount of each cash advance, (Maximum Fee: $50.00) - Foreign Transaction Fee1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars Penalty Fees - Late Payment Fee- Returned Payment FeeUp to $25.00 Up to $24.00 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." SEE NEXT PAGE for more important information about your account. 
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01229945-MXC10-C-1-123119 (MXC101-E)  Promotional Period for Introductory APR - Visa ALE C Select, Visa ALE C Select Rewards: 
The I ntroductory  APR for  purc hases and balance transfers, f or qualifying members , will apply to transac tions posted to 
your account dur ing the first 12 months following the opening of your account. A ny existing balances on Abbott 
Laboratories Employees Credit Union loan or credit card accounts are not eligible for  the Intr oductory APR for balance 
transfers. 
Promotional Period for Introductory APR - Visa ALEC Signature Rewards:
The I ntroductory  APR for  purc hases and balance transfers, f or qualifying members , will apply to transac tions posted to 
your account during the f irst 12 billing cycles following the opening of your account. A ny existing balances on Abbott 
Laboratories Employees Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance 
transfers. 
Effective Date: 
The information about the costs of the car d described in this application is accurate as of: June 30, 2022 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
For California Borrowers, the Visa ALEC Select,  Visa ALEC Select  Rewards and Visa ALEC Signature Rewards 
are secured credit cards. Credit extended under this credit card account is secured by various personal property 
and money including, but not limited to:  (a) any goods you purchase with this account, (b) any shares you 
specifically pledge as collateral for this account on a separate Pledge of  Shares, (c) all shares you have in any 
individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any 
other account that would lose special tax treatment under state or federal law, and (d) collat eral securing ot her 
loans you have with the Credit Union excluding dwellings. Notwithst anding the foregoing, you acknowledge and 
agree that during any periods  when you  are a covered  borrower under the Military Lending Act your  credit card 
will be secured  by any specific  Pledge of Shares you grant us but will not be secured by all shares you have in 
any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) 
you establish your credit card account when you are not a covered borrower;  or (ii) you cease to be a covered 
borrower. 
Other Fees & Disclosures: 
Late Payment Fee : 
$25.00 or the amount of t he required minimum payment, whichever is less, if you are one or more days late in making a 
payment. 
Balance Transfer Fee (Finance Charge) : 
2.00% of each balance transfer. 
Cash Advance Fee (Finance Charge) : 
3.00% of the amount of each cash advance, however, the fee will never exc eed $50.00. 
Returned Payment Fee : 
$24.00 or the amount of the required minimum payment, whic hever is less. 
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01229945-MXC10-C-1-123119 (MXC101-E)