Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Visa Platinum Secured 
F2          , F3          , or F4           when you open 
your account, based on your creditworthiness. 

Visa Platinum Rewards Secured 
F5          , F6          , or F7           when you open 
your account, based on your creditworthiness. This APR will vary with 
the market based on the Prime Rate. 
Visa Platinum Secured 
F8          , F9          , or F10         Introductory APR, for qualifying 
members, for a period of 12 billing cycles, based on your 
creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be F11        , F12        , F13        , F14        , or F15        , based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum Rewards Secured 
F16        , F17        , or F18         Introductory APR, for qualifying 
members, for a period of 12 billing cycles, based on your 
creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be F19        , F20        , F21        , F22        , or F23        , based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Platinum Secured 
F24        , F25        , or F26         Introductory APR, for qualifying 
members, for a period of 12 billing cycles, based on your 
creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be F27        , F28        , F29        , F30        , or F31        , based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum Rewards Secured 
F32        , F33        , or F34         Introductory APR, for qualifying 
members, for a period of 12 billing cycles, based on your 
creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be F35        , F36        , F37        , F38        , or F39        , based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DCARQ2 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Penalty APR and When it Applies 

F40           

This APR may be applied to your account if you: 
  -  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six 
consecutive minimum payments when due. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

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 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 

-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F41           

F42         of the amount of each balance transfer  
(Maximum Fee: F43        ) 
F44         of the amount of each cash advance  
(Maximum Fee: F45        ) 
F46         of each transaction in U.S. dollars 

Up to F47            
Up to F48           

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

Promotional Period for Introductory APR: The Introductory APR for balance transfers and cash advances will apply to 
transactions posted to your account during the first 12 months following the opening of your account.  

Loss of Introductory APR: We may end your Introductory APR for balance transfers and cash advances and apply the 
prevailing non-introductory APR if you are 60 days late in making a payment.  

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 

Effective Date:  
The information about the costs of the card described in this application is accurate as of F49                                
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 

F50         or the amount of the required minimum payment, whichever 
is less, if you are ten or more days late in making a payment. 
F51         or the amount of the required minimum payment, whichever 
is less. 

Visa  Platinum  Secured  and  Visa  Platinum  Rewards  Secured  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. 

DCARQ2 (MXC403 CCM003)-e