Terms & Conditions  
The information provided below in these Terms & Conditions, along with the Cardholder 
Agreement(s), certain account pricing and terms that were available to certain applicants 
that applied for and were approved for certain credit card accounts on the last business 
day of the calendar month that ended on March 31, 2020. These account terms may 
not be available after that date. 
These documents are being provided to you for informational purposes only. If you apply 
and are approved for a credit card account with us, your actual account terms will be 
based on the terms of the offer available at the time that you applied, what you are 
approved for and your actual Cardholder Agreement will be the agreement sent to you 
when your account is first opened. 
Farm Bureau Member Rewards MasterCard 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 12.99% to 2 4.99% APR.
This AP R will vary with the market based o n the Prim e Rate. 
APR for Balance Transfers 12.99% to 2 4.99% APR.
This AP R will vary with the market based o n the Prim e Rate. 
APR for Cash Advances 25.24% APR.
This AP R will vary with the market based o n the Prim e Rate 
Penalty APR and When it Applies Up to 27.24% based on your creditworthiness. This APR will vary with the 
marke t based o n the Prim e Rate.  
This APR may be applied to your account if you make a late payment. 
How Long Will the Penalty APR Apply? If your APRs are increased for this 
reason, the Penalty APR may apply indefinitely. 
Paying Interest Your due date is at least 23 days after the close of each billing cycle.  We 
will not charge you interest on purchases if you pay your entire balance by 
the due date each month.  We will begin charging interest on balance 
transfers, checks and cash advances on the transaction date.  
Minimum Interest Charge If you are charged interest, the charge will be no less than $2.00 ($0.50 for 
residents of Iowa at the time of account opening).   Fees 
Annual Fee $0 
Transaction Fees : 
�Balance T
ransfer
�Cash Advance
�Foreign TransactionEither $1
0 or 4% of the amount of each transfer, whichever is greater.  We 
may from time to time offer you lower Transaction Fees on Balance 
Transfers and Checks. 
Either $10 or 5% of the amount of each cash advance, whichever is greater.  
3% of ea
ch transaction in U.S. dollars.  
Penalty Fees  
�Late Pay
ment
�Over-the-Credit-Line
�Returned PaymentUp to $3
5 (depending upon the state that you live in at the time of account 
opening.) 
$0 
Up to $35 (depending upon the state that you live in at the time of account 
opening.) 
Additional Check Related Fees  
�Check S
top Payment Fee
�Returned Check FeeUp to $3
9.95  (depending upon the state that you live in at the time of 
account opening.) 
Up to $35 (depending upon the state that you live in at the time of account 
opening.)  
How We Will Calculate Your Balance: We use a method called "daily balance (including new purchases)". If you are a resident 
of Iowa at the time the account is opened, we use a method called "average daily balance (including new purchases)". See 
Cardholder Agreement for more information. 
Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if you make a late payment. 
Mili
tary Lending Act: Covered borrowers under Military Lending Act; Federal law provides important protections to members 
of the Ar
med Forces and their dependents relating to extensions of credit. In general, the cost of consumer credit to a member 
of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must 
include, as applicable to the credit transaction or account:  The costs associated with credit insurance premiums; fees for 
ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application 
fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a 
credit card account). Please call our toll-free number 800.492.3276 from Monday-Friday, 7am-7pm CT and Saturdays, 8am-
12pm CT if you would prefer an oral disclosure of the payment obligation for this account before using the account or 
activating the card. 
Fees that Vary By State 
Late Payment Fee:  Up to $35 (Up to $15 for residents of Iowa at the time of account opening). 
Retu
rned Payment Fee:  Up to $35 (Up to $15 for residents of Iowa at time of account opening). 
Returned Check Fee:  Up to $35 (Up to $20 for residents of Iowa at time of account opening). 
Check Stop Payment Fee:  Up to $39.95 (Up to $29 for residents of Iowa at time of account opening). 
Bill
ing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in the cardholder 
agreement. 
As of 3/31/2020 the Prime Rate was 3.25%.