CommunityAmerica Credit Union 
PO Box 15950 
Lenexa, KS 66285-5950 
800.892.7957 
CACU.com 

The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of 01/21/16  . 
You can contact us toll free at 800.892.7957 or the address above to inquire if any changes occurred since the effective date. 

IMPORTANT CREDIT CARD DISCLOSURES 

INTEREST RATES and INTEREST CHARGES: 

Annual Percentage Rate (APR) for 
Purchases & Balance Transfers 

CommunityAmerica 
Visa Platinum 

CommunityAmerica 
Visa Platinum Cash Back 

CommunityAmerica 
Visa Platinum Rewards 

10.49%, 12.49%, 
16.49%, 21.49%, 
or 22.49% 

13.49%, 15.49% or 
20.49% 

12.49%, 14.49% or 
19.49% 

depending on your credit history. 
This APR will vary with the 
market based on the Prime Rate. 

depending on your credit history. 
This APR will vary with the 
market based on the Prime Rate. 

depending on your credit history. 
This APR will vary with the market 
based on the Prime Rate. 

APR for Cash Advances 

Paying Interest 

13.49%, 15.49% or 20.49% 

12.49%, 14.49% or 19.49% 

10.49%, 12.49%, 16.49%, 
21.49%, or 22.49% 
depending on your credit history. 
This APR will vary with the 
market based on the Prime Rate. 
Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on 
purchases if you pay your entire new purchase balance by the due date each month. We will begin 
charging interest on cash advances and balance transfers on the date the cash advance or balance 
transfer is posted to your account. 

depending on your credit history. 
This APR will vary with the 
market based on the Prime Rate. 

depending on your credit history. 
This APR will vary with the market 
based on the Prime Rate. 

Minimum Interest Charge 

None 

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: 

Fees to Open or Maintain your Account 

- Annual Fee: 
- Application Fee: 

Transaction Fees 

- Balance Transfer: 
- Cash Advance: 
- Foreign Transaction: 

Penalty Fees 

- Late Payment: 
- Over-the-Credit Limit: 
- Returned Payment: 

None 
None 

3% of the amount of each transfer or $5.00, whichever is greater  (maximum: $75.00) 
3% of the amount of each cash advance or $5.00, whichever is greater (maximum: $75.00) 
1% of each transaction in U.S. dollars 
1% of each transaction made in currencies other than U.S. dollars 

up to $35.00 
None 
None 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 

9009 LASER ML FPDF FI16599 Rev 11-2015 

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.