Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APPLICATION AND 
SOLICITATION 
DISCLOSURE  

VISA SIGNATURE PREMIER REWARDS/VISA SIGNATURE 
CASH REWARDS/VISA PLATINUM RATE SAVER/VISA 
THRIVE CARD BY CONGRESSIONAL FEDERAL 

Visa Signature Premier Rewards 
0.00% Introductory APR for a period of six billing cycles.

After that, your APR will be 13.15% to 18.00%, based on your
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Signature Cash Rewards 
0.00% Introductory APR for a period of six billing cycles.

After that, your APR will be 12.15% to 18.00%, based on your
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Platinum Rate Saver 
0.00% Introductory APR for a period of six billing cycles.

After that, your APR will be 8.15% to 18.00%, based on your
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Thrive Card by Congressional Federal 
0.00% Introductory APR for a period of six billing cycles.

After that, your APR will be 13.99%.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00800844-MXC10-P-1-040921 (MXC102-E)

   
 
 
 
 
 
 
 
 
APR for Balance Transfers 

Visa Signature Premier Rewards 
3.99% Introductory APR for a period of 12 billing cycles. 

After that, your APR will be 13.15% to 18.00%, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Signature Cash Rewards 
3.99% Introductory APR for a period of 12 billing cycles. 

After that, your APR will be 12.15% to 18.00%, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Platinum Rate Saver 
3.99% Introductory APR for a period of 12 billing cycles. 

After that, your APR will be 8.15% to 18.00%, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Thrive Card by Congressional Federal 
3.99% Introductory APR for a period of 12 billing cycles. 

After that, your APR will be 13.99%. 

Visa Signature Premier Rewards 
13.15% to 18.00%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Signature Cash Rewards 
12.15% to 18.00%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Platinum Rate Saver 
8.15% to 18.00%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Thrive Card by Congressional Federal 
13.99% 

APR for Cash Advances 

How to Avoid Paying Interest on 
Purchases  

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Your due date is at least 21 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.   

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 
Annual Fee 
- Annual Fee

None 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00800844-MXC10-P-1-040921 (MXC102-E)

 
 
 
  
  
  
  
   
 
 
Transaction Fees 
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee - Visa
Signature Premier Rewards
- Foreign Transaction Fee - Visa
Signature Cash Rewards, Visa Platinum
Rate Saver, Visa Thrive Card by
Congressional Federal
Penalty Fees 
- Late Payment Fee - Visa Signature
Premier Rewards, Visa Signature Cash 
Rewards, Visa Platinum Rate Saver  
- Late Payment Fee - Visa Thrive Card by
Congressional Federal 
- Returned Payment Fee

None 
None 
None 

2.00% of each transaction in U.S. dollars 

Up to $25.00 

Up to $15.00 

Up to $25.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash 
advances)." 

Promotional Period for Introductory APR: 
The  Introductory  APR  for  purchases  will  apply  to  transactions  posted  to  your  account  during  the  first  six  billing  cycles 
following issuance of your card.  
The Introductory APR for balance transfers will apply to transactions posted to your account during the first 12 billing cycles 
following issuance of your card.  

Effective Date: 
The information about the costs of the card described in this application is accurate as of: July 07, 2021 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For California Borrowers, the Visa Signature Premier Rewards, Visa Signature Cash Rewards, Visa Platinum Rate 
Saver and Visa Thrive Card by Congressional Federal 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) collateral securing other loans you have with the Credit Union excluding dwellings. 

Other Fees & Disclosures: 
Late Payment Fee - Visa Signature Premier Rewards, Visa Signature Cash Rewards, Visa Platinum Rate Saver: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are six or more days late in making a 
payment.  

Late Payment Fee - Visa Thrive Card by Congressional Federal: 
$5.00 or the amount  of the required minimum payment,  whichever is  less,  if  you are six or more days late in making a 
payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you 
will be charged $15.00 or the amount of the required minimum payment, whichever is less.  

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 

Returned Convenience Check Fee: 
$29.00 or the amount of the returned convenience check, whichever is less. 

Card Replacement Fee: 
None.  

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00800844-MXC10-P-1-040921 (MXC102-E)

 
 
Pay-by-Phone Fee: 
$10.00.  

Rush Fee: 
$25.00 overnight. 

Stop Payment Fee: 
$30.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00800844-MXC10-P-1-040921 (MXC102-E)