Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

F1 
APPLICATION AND SOLICITATION DISCLOSURE 

Visa Signature Connect Rewards 
F2       
six billing cycles. 

 Introductory APR, for qualifying members, for a period of 

After that, or if you do not qualify for the Introductory APR, your APR 
will be F3          to F4          , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Connect 
F5          to F6    
members, for a period of six billing cycles, based on your 
creditworthiness.  

 Introductory APR, for qualifying 

After that, or if you do not qualify for the Introductory APR, your APR 
will be F7          to F8          , based on your
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Signature Connect Rewards 
F9  
billing cycles, based on your creditworthiness. 

 Introductory APR, for qualifying members, for a period of six 

After that, or if you do not qualify for the Introductory APR, your APR 
will be F10        to F11 
will vary with the market based on the Prime Rate. 

 , based on your creditworthiness. This APR 

Connect 
F12        to F13   
period of six billing cycles, based on your creditworthiness. 

 Introductory APR, for qualifying members, for a 

After that, or if you do not qualify for the Introductory APR, your APR 
will be F14        to F15  
will vary with the market based on the Prime Rate. 
Visa Signature Connect Rewards 
F16   
billing cycles, based on your creditworthiness. 

 Introductory APR, for qualifying members, for a period of six 

 , based on your creditworthiness. This APR 

After that, or if you do not qualify for the Introductory APR, your APR 
will be F17        to F18  
will vary with the market based on the Prime Rate. 

 , based on your creditworthiness. This APR 

Connect 
F19        to F20   
period of six billing cycles, based on your creditworthiness. 

 Introductory APR, for qualifying members, for a 

After that, or if you do not qualify for the Introductory APR, your APR 
will be F21        to F22        , based on your creditworthiness.  

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 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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. 
DAZCT8 (MXC403 CCM003)-e

SEE NEXT PAGE for more important information about your account. 

Fees 
Annual Fee 
-  Annual Fee (Visa Signature Connect Rewards) 
-  Annual Fee (Connect Rate) 
Transaction Fees 
-  Balance Transfer Fee 
-  Overdraft Transfer Fee 
-  Foreign Transaction Fee 

F23           
Up to F24        , based your creditworthiness 

F25           
F26           
F27        of each multiple currency transaction in U.S. dollars 
F28        of each single currency transaction in U.S. dollars 

Penalty Fees 
-  Late Payment Fee 

Up to F29            

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Promotional Period for Introductory APR: The Introductory APR for purchases, balance transfers, and cash advances 
will apply to transactions posted to your account during the first six months following the opening of your account.  

Effective Date:  
The information about the costs of the card described in this application is accurate as of F30                          .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Statement Copy Fee 
Rush Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Modification Fee 
Account Research 

F31        or the amount of the required minimum payment, whichever 
is less, if you are ten or more days late in making a payment. 
F32           
F33           
F34           
F35           
F36           
F37           

DAZCT8 (MXC403 CCM003)-e