APPLICATION AND 
SOLICITATION 
DISCLOSURE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

Visa Steel

 Introductory APR for a period of six billing cycles. 

After that, your APR will be 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

, based on your 

to 

Visa Steel Rewards 

to 

, when you open your account, based on your 

creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Steel Share Secured

 Introductory APR for a period of six billing cycles. 

After that, your APR will be 
based on the Prime Rate. 

Visa Steel Share Secured Rewards 
8.98% 

. This APR will vary with the market 

This APR will vary with the market based on the Prime Rate. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

SEE NEXT PAGE for more important information about your account. 
10421077-MXC10-P-1-111617 (MXC101-E) 

0.00% 8.98%17.98%11.98%17.98%0.00%5.98%VISA STEEL/VISA STEEL REWARDS/VISA STEEL SHARE SECURED/VISA STEEL SHARE SECURED REWARDS 
APR for Balance Transfers 

Visa Steel

 Introductory APR for a period of six billing cycles. 

After that, your APR will be 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

, based on your 

to 

Visa Steel Rewards 
11 
to 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

, when you open your account, based on your 

Visa Steel Share Secured

 Introductory APR for a period of six billing cycles. 

After that, your APR will be 
based on the Prime Rate. 

. This APR will vary with the market 

Visa Steel Share Secured Rewards 
8.98% 

This APR will vary with the market based on the Prime Rate. 
Visa Steel 
to 

, when you open your account, based on your 

creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

APR for Cash Advances 

Visa Steel Rewards 
to 

, when you open your account, based on your 

creditworthiness. This APR will vary with the market based on the Prime Rate. 

Visa Steel Share Secured 
5.98% 

This APR will vary with the market based on the Prime Rate. 

Visa Steel Share Secured Rewards 
8.98% 

This APR will vary with the market based on the Prime Rate. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

SEE NEXT PAGE for more important information about your account. 
10421077-MXC10-P-1-111617 (MXC101-E) 

112 

0.00%8.9(cid:27)%17.98%.9(cid:27)%17.98%0.00%5.98%8.98%17.98%11.98%17.98% 
 
 
 
   
 
    
 
Penalty APR and When it Applies 

Visa Steel 
17.99% 

Visa Steel Rewards 
17.99% 

Visa Steel Share Secured 
17.99% 

Visa Steel Share Secured Rewards 
17.99% 

This APR may be applied to your account if you: 
- Make 3 consecutive late payments. 

How Long Will the Penalty APR Apply? If your APRs are increased for this 
reason, the Penalty APR will apply until you make six consecutive minimum 
payments when due. 

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. 
If you are charged interest, the charge will be no less than $0.01. 
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. 

None 
None 
1.00% of each transaction in U.S. dollars 
None 

Up to $20.00 
None 
Up to $25.00 

How to Avoid Paying Interest on 
Purchases 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Transaction Fees 
- Balance Transfer Fee 
- Cash Advance Fee 
- Foreign Transaction Fee 
- Transaction Fee for Purchases 
Penalty Fees 
- Late Payment Fee 
- Over-the-Credit Limit Fee 
- Returned Payment Fee 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

Promotional Period for Introductory APR - Visa Steel, Visa Steel Share Secured: 
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 
six months following the opening of your account. Any existing balances on OE Federal Credit Union loan or credit card 
accounts are not eligible for the Introductory APR for balance transfers. 

Loss of Introductory APR: 
We may end your Introductory APR for purchases and balance transfers and apply the Penalty APR if you are 60 days 
late in making a payment. 

Application of Penalty APR: 
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. 

Minimum Interest Charge: 
The minimum interest charge will be charged on any dollar amount. 

Effective Date: 
The information about the costs of the card described in this application is accurate as of: 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

SEE NEXT PAGE for more important information about your account. 
10421077-MXC10-P-1-111617 (MXC101-E) 

March 23rd,2020For  California  Borrowers,  the  Visa  Steel,  Visa  Steel  Rewards,  Visa  Steel  Share  Secured  and  Visa  Steel  Share 
Secured Rewards are secured credit cards. Credit extended under this credit card account is secured by various 
personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any 
shares  you  specifically  pledge  as  collateral  for  this  account  on  a  separate  Pledge  of  Shares,  (c)  all  shares  you 
have  in  any  individual  or  joint  account  with  the  Credit  Union  excluding  shares  in  an  Individual  Retirement 
Account  or  in  any  other  account  that  would  lose  special  tax  treatment  under  state  or  federal  law,  and  (d) 
collateral  securing  other  loans  you  have  with  the  Credit  Union  excluding  dwellings.  Notwithstanding  the 
foregoing,  you  acknowledge  and  agree  that  during  any  periods  when  you  are  a  covered  borrower  under  the 
Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be 
secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be 
deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; 
or (ii) you cease to be a covered borrower. 

Other Fees & Disclosures: 
Late Payment Fee: 
$20.00  or  the  amount  of  the  required  minimum  payment,  whichever  is  less,  if  you  are  10  or  more  days  late  in  making  a 
payment. 

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 

Rush Fee: 
$25.00. 

IOANUNB. 
© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

10421077-MXC10-P-1-111617 (MXC101-E)