Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APPLICATION AND 
SOLICITATION 
DISCLOSURE 

Consumer Visa Account Disclosures

Visa 
6.25% to 16.25% , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Rewards 
8.25% to 17.25% , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Share Secured 
14.90% 

Visa Business Rewards 
10.25%  to  19.25% , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Business Secured 
14.90% 

Visa 
6.25% to 16.25%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

Visa Rewards 
8.25% to 17.25%,  when  you  open  your  account,  based  on  your 
creditworthiness.  This  APR  will  vary  with  the  market  based  on 
the Prime Rate. 

Visa Share Secured 
14.90% 

Visa Business Rewards 
10.25%    to    19.25% ,   when  you  open  your  account,  based  on
your  creditworthiness.  This  APR  will  vary  with  the  market 
based  on the Prime Rate. 

Visa Business Secured 
14.90% 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

13601205-MXC10-C-1-080317 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
APR for Cash Advances 

Visa 
6.25% to 16.25%,  when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Rewards 
8.25% to 17.25% ,  when  you  open  your  account,  based  on  your 
creditworthiness.  This  APR  will  vary  with  the  market  based  on 
the Prime Rate. 

Visa Share Secured 
14.90% 

Visa Business Rewards 
10.25%  to  19.25%, when you open your account, based on your 
creditworthiness.  This  APR  will  vary  with  the  market based  on 
the Prime Rate. 

Visa Business Secured 
14.90% 

How to Avoid Paying Interest on 
Purchases 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Your due date is at least 23 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. 

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 
Annual Fee 
- Annual  Fee

Transaction Fees 
- Cash  Advance  Fee
- Foreign  Transaction  Fee
- ATM  Transaction  Fee
Penalty Fees 
- Late  Payment  Fee
- Over-the-Credit  Limit  Fee
- Returned  Payment  Fee

None 

$3.00 or 1.50% of the amount of each cash advance, whichever is greater 
1.00% of each transaction in U.S. dollars 
$1.50 

Up to $25.00 
Up  to $25.00 
Up to $25.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

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,  Visa  Rewards,  Visa  Share  Secured,  Visa  Business  Rewards  and  Visa 
Business Secured are secured credit cards. 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.  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 Shares 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 borrower; 
or (ii) you cease to be a covered borrower. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

13601205-MXC10-C-1-080317 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Other Fees & Disclosures: 
Late Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a 
payment. 

Cash Advance Fee (Finance Charge): 
$3.00 or 1.50% of the amount of each cash advance, whichever is greater. 

ATM Transaction Fee (Finance Charge): 
$1.50  will  be  assessed  in  addition  to  the  Cash  Advance  Fee  listed  above  and  the  ATM  surcharge  fee  assessed  by  the 
ATM  operator  per  transaction  (withdrawals  and  balance  inquiries).  Any  Transactions  at  ATMs  owned  or  operated  by 
Northwest Community Credit Union or the Co-Op Network will not incur this fee. 

Over-the-Credit  Limit  Fee: 
$25.00 or the amount of the transaction exceeding your approved credit limit, whichever is less. 

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 

Card Replacement Fee: 
$5.00. 

Document Copy Fee: 
$5.00 per page. 

PIN Replacement Fee: 
$5.00. 

Statement Copy Fee: 
$2.00 per page. 

Research  Fee: 
$15.00 per half hour. 

Emergency Card Issuance Fee (Rush Card): 
$50.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

13601205-MXC10-C-1-080317 (MXC101-E)