Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

VISA PLATINUM SECURED 
VISA PLATINUM REWARDS SECURED/BUSINESS VISA 
VISA SECURED/STUDENT VISA SECURED 
APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum Secured 
1.99% to 4.99% Introductory APR, for qualifying members, 
for a period of 12 billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be 9.24% to 17.24%, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

Visa Platinum Rewards Secured 
2.99% to 5.99% Introductory APR, for qualifying members, 
for a period of 12 billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be 10.24% to 18.24%, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

Business Visa 
1.99% to 6.99% Introductory APR, for qualifying members, 
for a period of 12 billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be 10.99% to 18.00%, based on your creditworthiness.  

Visa Secured 
9.99% to 17.99% when you open your account, based on 
your creditworthiness. 

Student Visa Secured 
2.99% to 11.99% Introductory APR, for qualifying members, 
for a period of 12 billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be 9.99% to 17.99%, based on your creditworthiness.  
Visa Platinum Secured 
1.99% to 4.99% Introductory APR, for qualifying members, for a period 
of 12 billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be 11.24% to 18.00%, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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APR for Cash Advances 

Visa Platinum Rewards Secured 
2.99% to 5.99% Introductory APR, for qualifying members, for a period 
of 12 billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be 12.24% to 18.00%, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate. 

Business Visa 
1.99% to 6.99% Introductory APR, for qualifying members, for a period 
of 12 billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be 12.99% to 18.00%, based on your creditworthiness.  

Visa Secured 
11.99% to 18.00% when you open your account, based on your 
creditworthiness. 

Student Visa Secured 
2.99% to 11.99% Introductory APR, for qualifying members, for a 
period of 12 billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be 11.99% to 18.00%, based on your creditworthiness. 
Visa Platinum Secured 
1.99% to 4.99% Introductory APR, for qualifying members, for a period 
of 12 billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be 11.24% to 18.00%, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate. 

Visa Platinum Rewards Secured 
2.99% to 5.99% Introductory APR, for qualifying members, for a period 
of 12 billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be 12.24% to 18.00%, based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate. 

Business Visa 
1.99% to 6.99% Introductory APR, for qualifying members, for a period 
of 12 billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be 12.99% to 18.00%, based on your creditworthiness.  

Visa Secured 
11.99% to 18.00% when you open your account, based on your 
creditworthiness. 

Student Visa Secured 
2.99% to 11.99% Introductory APR, for qualifying members, for a 
period of 12 billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be 11.99% to 18.00%, based on your creditworthiness. 

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Penalty APR and When it Applies 

18.00% 

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 will apply until you make six 
consecutive minimum payments when due. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

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. 

Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

None 

3.00% of the amount of each balance transfer (Maximum Fee: $300.00) 
3.00% of the amount of each cash advance (Maximum Fee: $300.00) 
2.00% of each transaction in U.S. dollars 

Up to $15.00  
Up to $25.00 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Visa Platinum Secured, Visa Platinum Rewards Secured, Business Visa, and Student Visa Secured – 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 12 months following the opening of your account.  

Visa  Platinum  Secured,  Visa  Platinum  Rewards  Secured,  Business  Visa,  and  Student  Visa  Secured  –  Loss  of 
Introductory APR: We may end your Introductory APR for purchases, balance transfers, and cash advances and apply 
the prevailing non-introductory 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. 

Effective Date:  
The information about the costs of the card described in this application is accurate as of March 1, 2016.  
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 

$15.00 or the amount of the required minimum payment, whichever is 
less, if you are 15 or more days late in making a payment. 
$25.00 or the amount of the required minimum payment, whichever is 
less. 

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. 

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