�CUNA Mutual Group 2009, 10, 12, 16 All Rights Reser ved 10400483-MXC10-C-1-042621 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Platinum
 to ,when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Rewards
 to ,when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
APR for Balance Transfers Visa Platinum
 to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Rewards
 to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
APR for Cash Advances Visa Platinum
to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Rewards
to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Penalty APR and When it Applies Visa Platinum
to , when you open your account, based on your
creditworthiness.
This APR will vary with the market based on the Prime Rate.
Visa Rewards
to , when you open your account, based on your
creditworthiness.
This APR will vary with the market based on the Prime Rate.
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.
SEE NEXT PAGE for more important information about your account.
VISA PLATINUM/VISA REWARDS
9.40%
19.40%
10.40%
20.40%
9.40%
19.40%
10.40%
20.40%
9.40%
19.40%
10.40%
20.40%
15.40%
25.40%
16.40%
26.40% �CUNA Mutual Group 2009, 10, 12, 16 All Rights Reser ved 10400483-MXC10-C-1-042621 (MXC102-E)How to Avoid Paying Interest on
PurchasesYour 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.
For Credit Card Tips from the
Consumer Financial Protection BureauTo 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 $5.00 or2.00% of the amount of each balance transfer, whichever is greater
- Cash Advance Fee $5.00 or2.00% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee 2.00% of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $10.00
- Returned Payment Fee Up to $29.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
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:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Platinum and Visa Rewards are secured credit cards. Credit extended under
this credit card account is secured by various personal property and money including, but not li mited to: (a) any
goods you purchase with this account, (b) any shares you specifically pledge as collateral for this acco unt on a
separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credi t Union
excluding shares in an Individual Retirement Account or in any other account that would lose speci al 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 :
$10.00 or the amount of the required minimum payment, whichever is less, if you are 11 or more days late in making a
payment.
Balance Transfer Fee (Finance Charge) :
$5.00 or 2.00% of the amount of each balance transfer, whichever is greater.
Cash Advance Fee (Finance Charge) :
$5.00 or 2.00% of the amount of each cash advance, whichever is greater.
Foreign Transaction Fee:
2.00% of each transaction in United States dollars (USD) and may be assessed on purchases or online purchases made
in the United States if the merchant is in a foreign country.
Returned Payment Fee :
$29.00 or the amount of the required minimum payment, whichever is less.
June 1, 2022