Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Platinum 
F2           to F3           when you open your account, based 
on your creditworthiness. 

Share Secured 
F4             
Platinum 
F5           to F6           when you open your account, based on your 
creditworthiness. 

Share Secured 
F7             
Platinum 
F8           to F9           when you open your account, based on your 
creditworthiness. 

Share Secured 
F10           

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 
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.  
If you are charged interest, the charge will be no less than F11        .  
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 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F12           
F13           
F14         of each transaction in U.S. dollars 

Up to F15            
Up to F16           

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount. 

Effective Date:  
The information about the costs of the card described in this application is accurate as of F17                                
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 

Document Copy Fee 
PIN Replacement Fee 

F18         or the amount of the required minimum payment, whichever 
is less, if you are five or more days late in making a payment. 
F19         or the amount of the required minimum payment, whichever 
is less. 
F20         per page 
F21           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

04102328-MXC40-P-1-102414 (MXC403 CCM003)-e 

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