Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 
Penalty APR and When it Applies 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

F2       to F3        Introductory APR, for qualifying members, 
for a period of six (6) billing cycles based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be F4       to F5         based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 
F6       to F7        Introductory APR, for qualifying members, for a 
period of six (6) billing cycles based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be F8       to F9         based on your creditworthiness. This APR will 
vary with the market based on the Prime Rate. 
F10           
F11           

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 period will apply for a period of six (6) 
months. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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 
Transaction Fees 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

F12     of each transaction in U.S. dollars 

Up to F13            
Up to F14           
Up to F15           

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 the minimum payment is 60 
days late twice in a 12-month period. 

Effective Date.  
The information about the costs of the card described in this application is accurate as of F16            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

Overdraft to Share Account. If you have elected Overdraft to Share Account, overdraft transfers will be subject to the 
cash advance rate shown above. 

OTHER DISCLOSURES 
Late Payment Fee 

F17      or the amount of the required minimum payment, whichever is 
less, if you are one (1) or more days late in making a payment. In the 
event you fail to make a payment on time in any of the six (6) billing 
cycles following the initial violation, you will be charged F18      or the 
amount of the required minimum payment, whichever is less. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DFLQV6 (MXC402 CCM002)-e 

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Over-the-Credit Limit Fee 

Returned Payment Fee 

Statement Copy Fee 
Emergency Card Replacement Fee 
Photocopy Fee 
Reissue Card Fee 
Convenience Check Stop Payment Fee 

F19      or the amount of the transaction exceeding your credit limit, 
whichever is less. 
F20      or the amount of the required minimum payment, whichever is 
less. 
F21    per page 
F22           
F23           
F24           
F25           

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