Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE

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 CU 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  

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 Platinum CU Rewards 

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 Platinum  

F10        to F11        when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum CU Rewards 

F12        to F13        when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
- Cash Advance Fee

- Foreign Transaction Fee
Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

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 F14        
The minimum interest charge will be charged on any dollar amount. 
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. 

F15        or F16        of the amount of each cash advance, whichever is 
greater 
F17       

Up to F18      
Up to F19      

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DNMFX3 (MXC402 CCM002)-e

SEE BACK OF PAGE for more important information about your account. 

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  

Effective Date.  
The information about the costs of the card described in this application is accurate as of F20         
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 
Document Copy Fee 
Card Replacement Fee 

F21        or the amount of the required minimum payment, whichever is 
less, if you are one (1) or more days late in making a payment. 
F22        or the amount of the required minimum payment, whichever is 
less. 
F23       
F24       
F25       

DNMFX3 (MXC400 CCM00)-e