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

APR for Cash Advances 

APR for Balance Transfers 

Minimum Interest Charge 

F1  

Visa Platinum Premier and Visa Platinum Premier PLUS 

F2       to F3         when you open your account, based on 
9.90% 11.90%
your creditworthiness. 

Visa Platinum Rewards and Visa Platinum Rewards PLUS 

F4         to F5         when you open your account, based 
11.90% 13.90%
on your creditworthiness. 

Visa Share Secured 

F6             
17.89%
Visa Platinum Premier and Visa Platinum Premier PLUS 

F7         to F8         when you open your account, based on your 
12.90% 14.90%
creditworthiness. 

Visa Platinum Rewards and Visa Platinum Rewards PLUS 

F9         to F10       when you open your account, based on your 
14.90% 15.90%
creditworthiness. 

Visa Share Secured 

F11           
17.89%
Visa Platinum Premier and Visa Platinum Premier PLUS 

F12     to F13       when you open your account, based on your 
9.90% 11.90%
creditworthiness. 

Visa Platinum Rewards and Visa Platinum Rewards PLUS 

F14       to F15       when you open your account, based on your 
11.90% 13.90%
creditworthiness. 

Visa Share Secured 

F16           
17.89%
If you are charged interest, the charge will be no less than F17 . The 
$.01
minimum interest charge will be charged on any dollar amount. 

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 do not charge you 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 

F18           
None

F19           
None
F20           
None
F21     of each multiple currency transaction in U.S. dollars 
1.00%
F22     of each single currency transaction in U.S. dollars 
0.80%

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

DUTDR2 (MXC402 CCM001)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

Up to F23            
$30.00
F24           
None
Up to F25           
$15.00

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 F26                        This information 
may have changed after that date. To find out what may have changed, contact the Credit Union. 

December 1, 2012.

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Document Copy Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 

F27      or the amount of the required minimum payment, whichever is 
$25.00
less, if you are ten (10) or more days late in making a payment. In the 
event you fail to make a payment on time in any of the six (6) billing 
cycles following the violation, you will be charged F28      or the 
amount of the required minimum payment, whichever is less. 
F29      or the amount of the required minimum payment, whichever is 
$15.00
less. 
F30           
$5.00
F31           
$20.00
F32           
$15.00

$30.00

DUTDR2 (MXC402 CCM001)-e