APPLICATION AND SOLICITATION DISCLOSURE

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

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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.  
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. 

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Account Set-up Fee 
-  Program Fee 
-  Participation Fee 
-  Additional Card Fee 
-  Application 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 

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F14        of each transaction in U.S. dollars 
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Up to F16            
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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 F19            
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 

Returned Convenience Check Fee 

Statement Copy Fee 
Card Replacement Fee 
Pay-by-Phone Fee 

F20        or the amount of the required minimum payment, whichever is 
less, if you are ten (10) or more days late in making a payment. 
F21        or the amount of the required minimum payment, whichever is 
less. 
F22        or the amount of the returned convenience check, whichever 
is less. 
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©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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