Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

 VISA PLATINUM REWARDS/VISA PLATINUM
F1  
APPLICATION AND SOLICITATION DISCLOSURE 

 Visa Platinum Rewards 
4.99%
F2

Introductory APR for a period of nine billing cycles. 

19.49%
10.15%
to F4            ,
After that your APR will be F3
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate.

Visa Platinum 
4.99%
F5

Introductory APR for a period of nine billing cycles. 

8.15

19.49%
to F7             ,
After that your APR will be F6
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate.
 Visa Platinum Rewards 
4.99%
F8             Introductory APR for a period of nine billing cycles. 

After that your APR will be F9             to F10           , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

10.15%

19.49%

Visa Platinum 
4.99%
F11           Introductory APR for a period of nine billing cycles. 

8.15%

After that your APR will be F12           to F13           , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.
 Visa Platinum Rewards 
4.99%
F14           Introductory APR for a period of nine billing cycles. 

19.49%

After that your APR will be F15           to F16           , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

17.49%

19.49%

Visa Platinum 
4.99%
F17           Introductory APR for a period of nine billing cycles. 

19.49%

17.49%

After that your APR will be F18           to F19           , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.
 Visa Platinum Rewards 
17.49%
F20           to F21           when you open your account, based on your 
creditworthiness.

19.49%

Visa Platinum 
17.49%
F22           to F23           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

19.49%

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DCATD1 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
This APR may be applied to your account if you:

- Make a late payment
- Go over your credit limit two times in a 12-month period
- Make a payment that is returned

How Long Will the Penalty APR Apply? If your APRs are increased 
for these reasons, 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 
Transaction Fees 
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

None
F24          
None
F25          
3.00%
F26           of each transaction in U.S. dollars

Up to F27          
Up to F28          

$10.00
$25.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 

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 nine months following issuance of your card.

Loss  of  Introductory  APR: We  may  end  your  Introductory  APR  for  purchases,  balance  transfers,  and  cash  advances 
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, go over your credit limit two times in a 12-month period, or make a payment that is returned. 

Effective Date:  
The information about the costs of the card described in this application is accurate as of F29                               .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

December 17, 2015

OTHER DISCLOSURES 

Late Payment Fee

Returned Payment Fee

Statement Copy Fee
Document Copy Fee
Rush Fee
Emergency Card Replacement Fee
PIN Replacement Fee 
Card Replacement Fee
Unreturned Card Fee
Card Recovery Fee
Pay-by-Phone Fee

$10.00
F30           or the amount of the required minimum payment, whichever 
is less, if you are ten or more days late in making a payment.
$25.00
F31           or the amount of the required minimum payment, whichever 
is less.
$3.00
F32          
$3.00
F33          
None
F34          
None
F35          
None
F36          
None
F37          
None
F38          
None
F39          
None
F40          

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. 

DCATD1 (MXC403 CCM003)-e