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

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

Visa Platinum 

F2          F3          or F4          when you open your 
account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 

Visa Platinum Rewards  

F5          F6          or F7          when you open your 
account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 
Visa Platinum  

F8            F9           or F10         Introductory APR, for qualifying 
cardholders, for a period of F11         billing cycles based on your 
creditworthiness. 

After that, or if you do not qualify for the Introductory APR, your APR 
will be F12         F13         F14         F15         or F16         based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum Rewards 

F17         F18         or F19         Introductory APR, for qualifying 
cardholders, for a period of F20         billing cycles based on your 
creditworthiness. 

After that, or if you do not qualify for the Introductory APR, F21         
F22         F23         F24         or F25         based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Platinum 

F26          F27         or F28         Introductory APR, for qualifying 
cardholders, for a period of F29         billing cycles based on your 
creditworthiness.  

After that, or you to not qualify for the Introductory APR, your APR will 
be F30         F31         F32         F33         or F34         based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum Rewards 

F35         F36         or F37         Introductory APR, for qualifying 
cardholders, for a period of F38         billing cycles based on your 
creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be F39         F40         F41         F42         or F43         based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

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

DCARQ1 (MXC402 CCM002)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
Penalty APR and When it Applies 

F44           

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 APR will apply until you make six (6) 
consecutive minimum payments when due. 

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 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 

-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F45           

F46         of the amount of each balance transfer  
(Maximum Fee: F47         ) 
F48         of the amount of each cash advance  
(Maximum Fee: F49         ) 
F50           of each transaction in U.S. dollars 

Up to F51            
Up to F52           

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 balance transfers and cash advances will apply to 
transactions posted to your account during the first 12 months following the opening of your account.  

Loss of Introductory APR. We may end your Introductory APR for balance transfers and cash advances and apply the 
prevailing non-introductory APR if you are one (1) days late in making a payment.  

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 

Effective Date.  
The information about the costs of the card described in this application is accurate as of F53          
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

F54         or the amount of the required minimum payment, whichever 
is less, if you are 15 or more days late in making a payment. 
F55         or the amount of the required minimum payment, whichever 
is less. 

DCARQ1 (MXC402 CCM002)-e