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             Introductory APR for a period of nine (9) billing cycles.  

After that your APR will be F3          to F4          based on 
your creditworthiness.  
F5             Introductory APR for a period of nine (9) billing cycles. 

After that your APR will be F6          to F7          based on your 
creditworthiness.  
F8             Introductory APR for a period of nine (9) billing cycles.  

Penalty APR and When it Applies 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

After that your APR will be F9          to F10        based on your 
creditworthiness.  
F11           

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.  
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. 

F12           
F13           
F14           
F15           
F16           
F17           

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Account Set-up Fee 
-  Program Fee 
-  Participation Fee 
-  Additional Card Fee 
-  Application Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
-  Transaction Fee for Purchases 
Penalty Fees 
Up to F22            
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
F23           
-  Returned Payment Fee 
Up to F24           
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  
Promotional Period for Introductory APR. The Introductory APR for purchases, balance transfers, and cash advances 
will apply to transactions posted to your account during the first 90 days following issuance of your card.  
Effective Date.  
The information about the costs of the card described in this application is accurate as of F25            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

F18           
F19           
F20        of each transaction in U.S. dollars 
F21           

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Returned Convenience Check Fee 

Statement Copy Fee 
Card Replacement Fee 
Pay-by-Phone Fee 

F26        or the amount of the required minimum payment, whichever is 
less, if you are ten (10) or more days late in making a payment. 
F27        or the amount of the required minimum payment, whichever is 
less. 
F28        or the amount of the returned convenience check, whichever 
is less. 
F29           
F30           
F31           

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

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