MASTERCARD
F1
CREDIT CARD ACCOUNT OPENING DISCLOSURE

This Disclosure is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.
Please keep this attached to your LOANLINER Consumer Credit Card Agreement. 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F2
This APR will vary with the market based on the Prime Rate. 
F3      
This APR will vary with the market based on the Prime Rate. 
F4      
This APR will vary with the market based on the Prime Rate. 
Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you any interest on purchases and balance transfers 
if you pay your entire balance by the due date each month. We will 
begin charging interest on cash advances on the transaction date.  
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 
1.00%

 of each transaction in U.S. dollars 

Up to F6
Up to F7

  $30.00
  $30.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.  

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Rush Fee 
Card Replacement Fee 

 or the amount of the required minimum payment, whichever 

 or the amount of the required minimum payment, whichever 

$30.00
is less, if you are ten or more days late in making a payment. 
$30.00
is less. 
$30.00 
$5.00

Collection  Costs:  You  agree  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this  Agreement,  including  court 
costs and reasonable attorney's fees.  

Periodic Rates: 
The Purchase APR is F12      
The Balance Transfer APR is F14   
The Cash Advance APR is F16     

 which is a daily periodic rate of F13           . 

    which is a daily periodic rate of F15    
 which is a daily periodic rate of F17       

 . 

 . 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE NEXT PAGE for more important information about your account. 

 
 
 
     
Variable Rate: 
The ANNUAL PERCENTAGE RATE is subject to change semi-annually on the first day of the billing cycle to reflect any 
change in the Index and will be determined by the Prime Rate as listed in the “Money Rates” section of  The Wall Street 
Journal  on  the  first  business  day  of  January  and  July,  to  which  we  add  a  margin.  Any  increase  in  the  ANNUAL 
PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement.  If 
the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. 

Margin: 
Purchases will be charged at F18           above the Index. 
Balance Transfers will be charged at F19           above the Index. 
Cash Advances will be charged at F20           above the Index. 

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