� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03106794-MXC10-C-1-112020 (MXC101-E)
APPLICATION ANDSOLICITATIONDISCLOSURE
TEACHERS VISA PLATINUMTEACHERS VISA LOW RATE/TEACHERS STUDENT VISATEACHERS VISA CASH BACK/TEACHERS VISA SECURED
Interest Rates and Interest Charges
Annual Percentage Rate (APR) forPurchasesTeachers Visa Platinum
 to , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Teachers Visa Low Rate/Teachers Student Visa
 to , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Teachers Visa Cash Back
 to , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Teachers Visa SecuredThis APR will vary with the market based on the Prime Rate.
APR for Balance TransfersTeachers Visa Platinum to, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Teachers Visa Low Rate/Teachers Student Visa to, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Teachers Visa Cash Back to, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Teachers Visa SecuredThis APR will vary with the market based on the Prime Rate.
SEE NEXT PAGE for more important information about your account.10.95% 17.95%8.75% 15.75%10.85% 17.85%13.99%
10.95% 17.95%8.75% 15.75%10.85% 17.85%13.99% � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03106794-MXC10-C-1-112020 (MXC101-E)APR for Cash AdvancesTeachers Visa Platinumto, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Teachers Visa Low Rate/Teachers Student Visato, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Teachers Visa Cash Backto, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Teachers Visa SecuredThis APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies
How to Avoid Paying Interest onPurchasesYour due date is at least 25 days after the close of each billing cycle. We willnot charge you any interest on purchases if you pay your entire balance bythe due date each month.
Minimum Interest Charge None
For Credit Card Tips from theConsumer Financial Protection BureauTo learn more about factors to consider when applying for or using acredit card, visit the website of the Consumer Financial ProtectionBureau at http://www.consumerfinance.gov/learnmore.
Fees
Set-up and Maintenance Fees
- Account Set-up FeeNone
- Program FeeNone
- Participation FeeNone
- Additional Card FeeNone
- Application FeeNone
Transaction Fees
- Balance Transfer Fee$5.00 or3.00% of the amount of each balance transfer, whichever is greater
- Cash Advance Fee$5.00 or3.00% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee1.00% of each multiple currency transaction in U.S. dollars0.80% of each single currency transaction in U.S. dollars
- Transaction Fee for PurchasesNone
Penalty Fees
- Late Payment Fee Up to $25.00
- Over-the-Credit Limit FeeNone
- Returned Payment Fee Up to $32.00
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: .This information may have changed after that date. To find out what may have changed, contact the Credit Union.For California Borrowers, the Teachers Visa Platinum, Teachers Visa Low Rate, Teachers Student Visa, TeachersVisa Cash Back and Teachers Visa Secured are secured credit cards. Credit extended under this credit cardaccount is secured by various personal property and money including, but not limited to: (a) any goods youpurchase with this account, (b) any shares you specifically pledge as collateral for this account on a separatePledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excludingshares in an Individual Retirement Account or in any other account that would lose special tax treatment understate or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a coveredborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares youSEE NEXT PAGE for more important information about your account.10.95% 17.95%8.75% 15.75%10.85% 17.85%13.99%None
November 24, 2020 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03106794-MXC10-C-1-112020 (MXC101-E)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 arenot a covered borrower; or (ii) you cease to be a covered borrower.Other Fees & Disclosures:Late Payment Fee
:
$25.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making apayment.Balance Transfer Fee (Finance Charge)
:
$5.00 or 3.00% of the amount of each balance transfer, whichever is greater.Cash Advance Fee (Finance Charge)
:
$5.00 or 3.00% of the amount of each cash advance, whichever is greater.Returned Payment Fee
:
$27.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the sameor in any of the six billing cycles following the initial violation, you will be charged $32.00 or the amount of the requiredminimum payment, whichever is less.Returned Convenience Check Fee
:
$15.00 or the amount of the returned convenience check, whichever is less.Card Recovery Fee
:
None.Card Replacement Fee
:
$5.00.Document Copy Fee
:
None.Emergency Card Replacement Fee
:
None.Pay-by-Phone Fee
:
$16.50.PIN Replacement Fee
:
None.Rush Fee
:
$35.00.Statement Copy Fee
:
$3.00.Unreturned Card Fee
:
None.