APPLICATION AND
SOLICITATION
DISCLOSURE

SECURED CLASSIC VISA

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

10.00%
This APR will vary with the market based on the Prime Rate.

13.00%
This APR will vary with the market based on the Prime Rate.
13.00%
This APR will vary with the market based on the Prime Rate.
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.

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
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

None

1.00% of each transaction in U.S. dollars

Up to $35.00
Up to $25.00

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:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

5/1/2022

For California Borrowers, the Secured Classic Visa is a secured credit card. 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.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you
will be charged $35.00 or the amount of the required minimum payment, whichever is less.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Sales Draft Copy Fee:
$5.00 per copy.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02101376-MXC10-C-4-072721 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

Card Personalization Fee:
$5.00 per card.

Rush Fee:
$30.00 per card.

Statement Copy Fee:
$2.00 per statement.

Stop Payment Fee:
$28.00 per request.

Research Fee:
$20.00 minimum per hour.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02101376-MXC10-C-4-072721 (MXC102-E)