RATEWISE MASTERCARD

18.00%

18.00%

8.40%
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 
8.40%
creditworthiness. This APR will vary with the market based on the 
Prime Rate.
F6           to F7           when you open your account, based on your 
8.40%
creditworthiness. This APR will vary with the market based on the 
Prime Rate.
Your due date is at least 25 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.

18.00%

- Cash Advance Fee

- Foreign Transaction Fee

- Late Payment Fee
- Returned Payment Fee

2.00%

$5.00
F8           or F9           of the amount of each cash advance, whichever 
is greater (Maximum Fee: F10        )
1.00%
F11         of each transaction in U.S. dollars

$25.00

Up to F12          
Up to F13          

$25.00
$25.00

How We Will Calculate Your Balance.

average daily bal

The information about the costs of the card described in this application is accurate as of F14            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

December 15, 2016.

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Pay-by-Phone Fee 
Card Replacement Fee 
Rush Fee 

$25.00
F15         or the amount of the required minimum payment, whichever 
is less, if you are one (1) or more days late in making a payment. 
$25.00
F16         or the amount of the required minimum payment, whichever 
is less. 
$10.00
F17          
$5.00
F18          
$10.00
F19         first card replacement is free 
$15.00
F20         Overnight 

Minimum Payment. The minimum payment is F21           of your total new balance, or F22          , whichever is greater, 
plus the amount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges, and 
any amount you are over your credit limit by the date specified on the statement. 

$25.00

2.00%