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

APR for Cash Advances 

APR for Balance Transfers 

F1  

Visa Platinum 

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

Visa Platinum Rewards 

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

Visa Platinum with Cash Rewards 

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

Visa Student 

F8           to F9           when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate.  

Visa Secured 

F10            
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 

F11         to F12         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum Rewards 

F13         to F14         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.  

Visa Platinum with Cash Rewards 

F15         to F16         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Student 

F17         to F18         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.  

Visa Secured 

F19            
This APR will vary with the market based on the Prime Rate. 
Visa Platinum  

F20         to F21         when you open your account, based on your 

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

DWINM0 (MXC400 CCM001)-e 

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

9.85% to 16.85%9.85% to 16.85%9.85% to 16.85%9.85% to 16.85%13.95%13.95%11.10% to 18.10%11.10% to 18.10%8.50% to 15.50%8.50% to 15.50%8.50% to 15.50% 
 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum Rewards 

F22         to F23         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.  

Visa Platinum with Cash Rewards 

F24         to F25         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.  

Visa Student 

F26         to F27         when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.  

Visa Secured 

F28            
This APR will vary with the market based on the Prime Rate. 
If you are charged interest, the charge will be no less than F29           
The minimum interest charge will be charged on any dollar amount. 

Minimum Interest Charge 

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 Federal 
Reserve Board 

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Additional Card Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 

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 Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

F30           
F31           

F32           
F33           
F34         of each multiple currency transaction in U.S. dollars 
F35         of each single currency transaction in U.S. dollars 

Penalty Fees 
Up to F36            
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
F37           
Up to F38           
-  Returned Payment Fee 
How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).”  

F39           

Effective Date.  
The information about the costs of the card described in this application is accurate as of F40           

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 
Rush Fee 
Card Replacement Fee 

F41         or the amount of the required minimum payment, whichever 
is less. 
F42         or the amount of the required minimum payment, whichever 
is less. 
F43           
F44           
F45           

DWINM0 (MXC400 CCM001)-e  

9.85% to 16.85%$5.009.85% to 16.85%$2.0013.95%None0.80%10/1/2012$25.00None$2.00$1.00.11.10% to 18.10%1.00%$25.00NoneNone$25.00$25.00$25.00