Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE

Visa Classic/Secured Visa/Visa Gold/Visa Platinum 

F1             to F2             when you open your account, 
based on your creditworthiness. 

Standard MasterCard 

F3             
Visa Classic/Secured Visa/Visa Gold/Visa Platinum 

F4             to F5             when you open your account, 
based on your creditworthiness. 

Standard MasterCard 

F6             
Visa Classic/Secured Visa/Visa Gold/Visa Platinum 

F7             to F8             when you open your account, 
based on your creditworthiness. 

Standard MasterCard 

F9             
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 
Annual Fee 
-  Annual Fee – Standard MasterCard 
-  Annual Fee – Visa Classic, Secured Visa, 

Visa Gold, Visa Platinum 

Transaction Fees 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee – Visa Gold and Visa 

Platinum 

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 F10            
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. 

F11           
F12           

F13           of each transaction in U.S. dollars 

Up to F14            

-  Late Payment Fee – Secured Visa, Visa 

Up to F15            

Classic, Standard MasterCard 

-  Returned Payment Fee 

Up to F16           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DNYKE7 (MXC402 CCM002) 

 
 
 
 
 
 
How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).”  

Effective Date.  
The information about the costs of the card described in this application is accurate as of F17            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee – Visa Gold and Visa Platinum  F18           or the amount of the required minimum payment, whichever 

Late Payment Fee – Secured Visa, Visa Classic,  F19           or the amount of the required minimum payment, whichever 

is less, if you are ten (10) or more days late in making a payment. 

     and Standard MasterCard 
Returned Payment Fee 

is 
less, if you are ten (10) or more days late in making a payment. 
F20           or the amount of the required minimum payment, whichever 
is less. 

DNYKE7 (MXC402 CCM00)-e