APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM/VISA PLATINUM REWARDS/VISA 
SIGNATURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum
9.74%

Visa Platinum Rewards
10.74% 11.74% 12.74% 15.74% 17.74%
,
,
when you open your account, based on your creditworthiness. This APR will
vary with the market based on the Prime Rate.

or

,

,

Visa Signature
11.74% 12.74% 15.74% 16.74% 17.74%
,
when you open your account, based on your creditworthiness. This APR will
vary with the market based on the Prime Rate.

or

,

,

,

APR for Balance Transfers

Visa Platinum
9.74%

Visa Platinum Rewards
or
10.74% 11.74% 12.74% 15.74% 17.74%
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

,

APR for Cash Advances

,

Visa Signature
or
,
11.74% 12.74% 15.74% 16.74% 17.74%
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.
Visa Platinum
9.74%

, when you open your

,

Visa Platinum Rewards
or
10.74% 11.74% 12.74% 15.74% 17.74%
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

,

Visa Signature
or
,
11.74% 12.74% 15.74% 16.74% 17.74%
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00910226-MXC10-P-1-021218 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Penalty APR and When it Applies

Visa Platinum
17.90%

Visa Platinum Rewards
17.90%

Visa Signature
17.90%

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 consecutive
minimum payments when due.

Your 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.

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.

None

$75.00

None
$5.00 or 2.00% of the amount of each cash advance, whichever is greater
(Maximum Fee: $500.00)
$10.00 or 3.00% of the amount of each cash advance, whichever is greater
(Maximum Fee: $500.00)
1.00% of each transaction in U.S. dollars

Up to $25.00
None
Up to $25.00

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Annual Fee
- Annual Fee - Visa Platinum, Visa
Platinum Rewards
- Annual Fee - Visa Signature

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee - Visa Platinum, Visa
Platinum Rewards
- Cash Advance Fee - Visa Signature

- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

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:  April 1st, 2018
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 and Visa Signature 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  Individual  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. Notwithstanding the foregoing, you acknowledge and agree that during any periods 
when you are a covered borrower under 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

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00910226-MXC10-P-1-021218 (MXC101-E)

SEE NEXT PAGE for more important information about your 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 five or more days late in making a
payment.

Annual Fee - Visa Signature:
$75.00.

Cash Advance Fee (Finance Charge) - Visa Platinum, Visa Platinum Rewards:
$5.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $500.00.

Cash Advance Fee (Finance Charge) - Visa Signature:
$10.00 or 3.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $500.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee:
$27.00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee:
$10.00.

Document Copy Fee:
$2.00 per document.

Pay-by-Phone Fee:
$10.00.

Rush Fee:
$50.00 second day.

Statement Copy Fee:
$5.00 per page.

Convenience or Balance Transfer Check Stop Payment Fee:
$35.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00910226-MXC10-P-1-021218 (MXC101-E)