� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved02100076-MXC10-P-1-061021 (MXC102-E)APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
Platinum Mastercard
 to
, when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
World Mastercard
 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
Platinum Mastercard
 to
, when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
World Mastercard
 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
Platinum Mastercard
to
, when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
World Mastercard
to
, when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
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
- Cash Advance Fee
$10.00
 or
2.00%
 of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee
None
Penalty Fees
- Late Payment Fee
Up to
$29.00
- Returned Payment Fee
Up to
$29.00
How We Will Calculate Your Balance:We use a method called "average daily balance (including new purchases)."SEE NEXT PAGE for more important information about your account.
PLATINUM
MASTERCARD/WORLD
MASTERCARD
8.74%
21.24%
13.74%
24.99%
8.74%
21.24%
13.74%
24.99%
10.74%
23.24%
15.74%
24.99%
 Page 1 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved02100076-MXC10-P-1-061021 (MXC102-E)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 Platinum Mastercard and World Mastercard 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.
Other Fees & Disclosures:
Late Payment Fee
:
$29.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
payment.
Cash Advance Fee (Finance Charge)
:
$10.00 or 2.00% of the amount of each cash advance, whichever is greater.
Returned Payment Fee
:
$29.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee
:
$5.00.
Pay-by-Phone Fee
:
$18.00.
Rush Fee
:
$35.00.
Statement Copy Fee
:
$5.00 per document.
Masterc
ard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
April
1,
2022
 Page 2