�CUNA Mutual Group 2009, 10, 12 All Rights Reserved DNCJF3 (MXC403 CCM003)-e
SEE NEXT PAGE for more important information about your account. APPLICATION AND SOLICITATION DISCLOSURE 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases
 Community Visa 
when you open your account , based on your creditworthiness.
This APR will vary with the market 
based on the Prime Rate .
Student CU Visa  
Balances to F3           or Less 
F4 Introductory APR for a period of 48 billing cycles.
After that your APR will b eF5.
Balances of F6  or Greater 
F7
Community Secured Visa  
F8
This APR will vary with th e market based on the Prime Rate.
Cash Back Visa  
F9 orF10          when you open your account , based on your creditworthiness.Big Ticket
 
Purchases of F11   or Greater 
F12 Introductory APR for a period of six (6) billing cycles.After that your APR will be 
F13.
Purchases of F14   or Less 
F15
APR for Balance Transfers Community Visa F16    
Introductory APR for a period of six billing cycles. 
After that your APR will be F17     to F18    , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate .
Student CU Visa  
Balances to F19   or Less 
F20    Introductory APR for a period of 48 billing cycles.
After that your APR will be F21    .
Balances of F22   or Greater 
F23    Community Secured Visa
 
F24     This APR will vary with the market based on the Prime Rate.
7.50% to 13.75%
$249.99
0.00%10.00%
$250.00
10.00%13.75%12.99% 15.99%
$600.00
0.00%18.00%
$599.99
18.00%
0.00%7.50% 13.75%$249.990.00%10.00%$250.0010.00%13.75%  
  
DNCJF3 (MXC403 CCM003)-e  Cash Back Visa F25          
 Introductory APR for a period of six billing cycles.  
After that  your APR will be F26           or F27           , based on your 
creditworthiness.  
Big Ticket  
F28           
APR for Cash Advances Community Visa F29          
 to F30           when you open your account, based on your creditworthiness.
 This APR will vary with the market based on the 
Prime Rate . 
Student CU Visa  
F31           
Community Secured Visa  
F32           
This APR will vary with the market based on the Prime Rate.  
 Cash Back Visa
 
F33           or F34           when you open your account, based on your creditworthiness.
 
Big Ticket  
F35           
Penalty APR and When it Applies F36           This APR may be 
applied to your account if you: 
 - Make a late payment 
 - Make a payment that is returned 
How Long Will the Penalty APR Apply?  If your APRs are increased for these reasons, 
the Penalty APR will apply until you make at least six minimum payments by the payment due date as shown in your monthly statement
. However, the Penalty APR may apply to new transactions indefinitely. 
How to Avoid Paying Interest on Purchases 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.  
For Credit Card Tips from the Consumer Financial Protection Bureau
 To learn more about factors to consider when applying for or using a credit card, visit the web
site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. 
Fees 
Annual Fee  
- Annual Fee F37           
Transaction Fees  
- Foreign Transaction Fee F38           of each multiple currency transaction in U.S. dollars 
 F39           of each single currency transaction in U.S. dollars 
Penalty Fees  
- Late Payment Fee Up to F40            
- Returned Payment Fee Up to F41           
 How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).�  Loss of Introductory APR: We may end your Introductory APR if you are 60 days late in making a payment or make a payment that is returned. With the loss of your Introductory APR, you APR will be a rate of F42           for the Student CU Visa and F43           for the Big Ticket. Application of Penalty APR: Your APR may be increased to the disclosed Pe nalty APR if you are 60 days late in making a payment or make a payment that is returned. 0.00%12.99% 15.99%18.00%7.50% 13.75%10.00%13.75%12.99% 15.99%18.00%18.00%
None1.00%0.80%$25.00$25.0010.00% 18.00%  
  
DNCJF3 (MXC403 CCM003)-e    Effective Date:  The information about the costs of the card desc ribed in this application is accurate as of F44                               .  This information may have changed after that date. To find out what may have changed, contact the Credit Union. OTHER DISCLOSURES Late Payment Fee F45           or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment. Returned Payment Fee F46           or the amount of the required minimum payment, whichever is less. Statement Copy Fee F47           Document Copy Fee F48           Rush Fee F49           Card Replacement Fee F50            
Februar y 1, 2016$25.00$25.00$5.00$15.00$35.00$10.00