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

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

F2           to F3           when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
F4           to F5           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F6           to F7           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

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

Minimum Interest Charge 

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.  
If you are charged interest, the charge will be no less than F8              
The minimum interest charge will be charged on any dollar amount. 
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 
Transaction Fees 
-  Cash Advance Fee 

-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F9          or F10         of the amount of each cash advance, whichever is 
greater (Maximum Fee: F11        ) 
F12           of each multiple currency transaction in U.S. dollars 
F13           of each single currency transaction in U.S. dollars 

Up to F14            
Up to F15           

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

Effective Date.  
The information about the costs of the card described in this application is accurate as of F16            
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 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 

F17        or the amount of the required minimum payment, whichever is 
less, if you are one (1) or more days late in making a payment. 
F18        or the amount of the required minimum payment, whichever is 
less. 
F19           
F20           
F21           
F22           

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

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