� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved   04200068 -MXC10 -C-3-111720 (MXC101 -E) 
 
  APPLICATION AND 
SOLICITATION DISCLOSURE
   
  
  
SPURS REWARDS MASTERCARD LEVEL I  
SPURS REWARDS MASTERCARD LEVEL II  
SPURS REWARDS MASTERCARD LEVEL III  
      
Interest Rates and Interest Charges  
 
Annual Percentage Rate (APR) for 
Purchases    
Spurs Rewards Mastercard Level I  
2.90%  Introductory APR for a period of six billing cycles.  
 
After that, your APR will be 9.65% . This APR will vary with the market 
based on th e Prime Rate. 
 
 
 
 
   
 
  
Spurs Rewards Mastercard Level II  
5.90%  Introductory APR for a period of six billing cycles.  
 
After that, your APR will be 12.65% . This APR will vary with the market 
based on the Prime Rate.  
 
 
 
   
 
 
  
Spurs Rewards Mastercard Level III  
8.90%  Introductory APR for a period of six billing cycles.  
 
After that, your APR will be 15.25% . This APR will vary with the market 
based on the Prime Rate. 
 
 
 
    
  
APR for Balance Transfers  Spurs Rewards Mastercard Level I  
5.90% 
  
 Spurs Rewards Mastercard Level II 8.90% 
  
 Spurs Rewards Mastercard Level III 
11.90%  
   
         
APR for Cash Advances  Spurs Rewards Mastercard Level I  
2.90% Introductory APR for a period of six billing cycles.   After that, your APR will be 9.65%. This APR will vary with the market based on the Prime Rate. 
 
 Spurs Rewards Mastercard Level II 5.90% Introductory APR for a period of six billing cycles.   After that, your APR will be 12.65%. This APR will vary with the market based on the Prime Rate. 
 
 Spurs Rewards Mastercard Level III 8.90% Introductory APR for a period of six billing cycles.   
After that, your APR will be 15.25%. This APR will vary with the market 
based on the Prime Rate.  
  
            
  
04200068-MXC10-C-3-111720 (MXC101-E)    
How to Avoid Paying Interest on 
Purchases  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.   
       
For Credit Card Tips from the 
Consumer Financial Protection Bureau 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   
   
- Foreign Transaction Fee  1.10%  of each transaction in U.S. dollars  
      
 
Penalty Fees   
  
- Late Payment Fee  Up to $25.00  
 
- Over -the-Credit Limit Fee  None  
 
- Returned Payment Fee  Up to $25.00  
  
        
 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."   Loss of Introductory APR: We may end your Introductory APR for purchases and cash advances and apply the prevailing non- introductory 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: January 15, 2021  This information may have changed after that date. To find out what may have changed, contact the Credit Union.   For California Borrowers, the Spurs Rewards Mastercard Level I, Spurs Rewards Mastercard Level II and Spurs Rewards Mastercard Level III are secured credit cards. Credit extended under this cred it 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. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shar es you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrow er; or (ii) you cease to be a covered borrower.  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.   
Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less.   
Rush Fee: 
$25.00 overnight.  
Statement Copy Fee: 
$2.00.   
 
  Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.