�CUNA Mutual Group 2009, 10, 12, 16 All Rights Reser ved 01214565-MXC10-P-1-040120 (MXC101-E)APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Platinum
 to ,when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Platinum Rewards
 to ,when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards
 to ,when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Cash Rebate
 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 Visa Platinum
 to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Platinum Rewards
 to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards
 to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Cash Rebate
 to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
SEE NEXT PAGE for more important information about your account.
VISA PLATINUM
VISA PLATINUM REWARDS
VISA SIGNATURE
VISA SIGNATURE CASH REBATE
22.99%
11.99% 22.99%22.70%20.70%11.99%
11.70%9.70%22.99%11.99% 22.99%22.70%20.70%11.99%
11.70%9.70% �CUNA Mutual Group 2009, 10, 12, 16 All Rights Reser ved 01214565-MXC10-P-1-040120 (MXC101-E)APR for Cash Advances Visa Platinum
to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Platinum Rewards
to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards
to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Cash Rebate
to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Penalty APR and When it Applies Visa Platinum
Visa Platinum Rewards
Visa Signature Rewards
Visa Signature Cash Rebate
How to Avoid Paying Interest on
PurchasesYour 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 BureauTo 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 None
Transaction Fees
- Balance Transfer Fee - Visa Platinum None
- Balance Transfer Fee - Visa Platinum
Rewards, Visa Signature Rewards, Visa
Signature Cash Rebate$5.00 or3.00% of the amount of each balance transfer, whichever is greater
- Cash Advance Fee -Visa Platinum None
- Cash Advance Fee -Visa Platinum
Rewards, Visa Signature Rewards, Visa
Signature Cash Rebate$5.00 or5.00% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee 1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $25.00
- Over-the-Credit Limit Fee None
- Returned Payment Fee Up to $25.00
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.None
NoneNoneNone22.99%22.99%22.70%20.70%11.99%
11.99%11.70%9.70% �CUNA Mutual Group 2009, 10, 12, 16 All Rights Reser ved 01214565-MXC10-P-1-040120 (MXC101-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 Visa Platinum, Visa Platinum Rewards, Visa Signature Rewards and V isa Signature
Cash Rebate 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 Ind ividual 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. Notwithstand ing the
foregoing, you acknowledge and agree that during any periods when you are a covered borrower un der 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.
Other Fees & Disclosures:
Late Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less, if you are six or more days late in making a
payment.
Balance Transfer Fee (Finance Charge)  -Visa Platinum Rewards, Visa Signature Rewards, Visa Signature Cash Rebate :
$5.00 or 3.00% of the amount of each balance transfer, whichever is greater.
Cash Advance Fee (Finance Charge)  -Visa Platinum Rewards, Visa Signature Rewards, Visa Signature Cash Rebate :
$5.00 or 5.00% of the amount of each cash advance, whichever is greater.
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee :
$10.00.
Statement Copy Fee :
$10.00.
Copy of Visa Draft :
$10.00.
Returned Visa Statement :
$2.00.April 13, 2020