mcu supplement 1/10  1/26/10  7:31 PM  Page 1

Municipal Credit Union

SUPPLEMENT TO MUNICIPAL 
CREDIT UNION VISA GOLD 
CARDHOLDER AGREEMENT AND 
DISCLOSURE STATEMENT

The ANNUAL PERCENTAGE RATE which would
apply to purchases on your MCU VISA Gold Account
using the margin and index in effect on December 15,
2009  is  10.15%,  which  corresponds  to  a  Daily
Periodic Rate of .02781%.

M-98011  12/09

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Municipal Credit Union

SUPPLEMENT TO MUNICIPAL
CREDIT UNION VARIABLE RATE
VISA CARDHOLDER AGREEMENT 
AND DISCLOSURE STATEMENT

The ANNUAL PERCENTAGE RATE which would
apply to purchases on your MCU Variable Rate VISA
Account  using  the  margin  and  index  in  effect  on
December 15, 2009 is 11.15%, which corresponds to
a Daily Periodic Rate of .03055%. 

M-98006  12/09

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Municipal Credit Union

SUPPLEMENT TO
MUNICIPAL CREDIT UNION
VISA PLATINUM CARDHOLDER 
AGREEMENT AND 
DISCLOSURE STATEMENT

The ANNUAL PERCENTAGE RATE which would
apply  to  purchases  on  your  MCU  VISA  Platinum
Account  using  the  margin  and  index  in  effect  on
December 15, 2009 is  9.15%, which corresponds to
a Daily Periodic Rate of .02507%.

M-98016  12/09

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Municipal Credit Union

SUPPLEMENT TO MUNICIPAL 
CREDIT UNION  VISA GOLD 
CARDHOLDER AGREEMENT AND
DISCLOSURE STATEMENT

Special Promotional Annual Percentage Rate
The interest rate which will apply to purchases and bal-
ance transfers during the first six (6) billing cycles fol-
lowing the opening of your account is a  special pro-
motional rate and is not based on the index, margin and
caps  which  are  set  forth  in  the  MCU  VISA  Gold
Cardholder Agreement  and  Disclosure  Statement  and
this Supplement. In order to be eligible for this special
promotional  rate,  balance  transfers  must  be  from
another credit card account (other than an MCU credit
card  account).  The  special  promotional ANNUAL
PERCENTAGE RATE is 4.9% which corresponds to
a  Daily  Periodic  Rate  of  .01342%.  Beginning  in  the
seventh  billing  cycle,  the  variable  annual  percentage
rate  described  in  your  MCU  VISA  Gold  Cardholder
Agreement  and  Disclosure  Statement  and  this
Supplement  will  apply  to  any  existing  and  new  pur-
chase  and  transferred  balances. The ANNUAL  PER-
CENTAGE RATE  which would have applied using
the margin and index in effect on December 15, 2009
is  10.15%, which corresponds to a Daily Periodic Rate
of .02781%.

M-98012  12/09

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Municipal Credit Union

SUPPLEMENT TO MUNICIPAL 
CREDIT UNION  VISA PLATINUM
CARDHOLDER AGREEMENT AND
DISCLOSURE STATEMENT

Special Promotional Annual Percentage Rate
The interest rate which will apply to purchases and bal-
ance  transfers  during  the  first  six  (6)  billing  cycles  fol-
lowing the opening of your account is a  special promo-
tional rate and is not based on the index, margin and caps
which  are  set  forth  in  the  MCU  VISA  Platinum
Cardholder Agreement and Disclosure Statement and this
Supplement. In order to be eligible for this special pro-
motional rate, balance transfers must be made at time of
application  and  be  from  another  credit  card  account
(other  than  an  MCU  credit  card  account).  The  special
promotional ANNUAL  PERCENTAGE  RATE  is
3.90%  which  corresponds  to  a  Daily  Periodic  Rate  of
.01068%. Beginning in the seventh billing cycle, the vari-
able  annual  percentage  rate  described  in  your  MCU
VISA  Platinum  Cardholder  Agreement  and  Disclosure
Statement  and this Supplement will apply to any existing
and new purchase and transferred balances. The ANNU-
AL PERCENTAGE RATE  which would have applied
using  the  margin  and  index  in  effect  on  December  15,
2009  is  9.15%,  which  corresponds  to  a  Daily  Periodic
Rate of .02507%.

M-98017  12/09