Terms and Conditions  
The informati on provide d belo w in thes e Term s and Conditions , along wit h the Cardholder 
Agreement(s) , certai n account prici ng an d term s tha t wer e availabl e to certai n applicants 
that applied for and were approved for certain credit card accounts on the last business 
day 
of the calendar month that ended on February 28 2021. These account terms may 
not be available after that date. 
Thes e document s are bei ng provide d to you for informationa l purpose s only . If you apply 
and ar e approve d for a credit car d acc ount wit h us, your actua l account term s wil l be 
base d on t he term s of t he offe r availabl e at t he tim e tha t you applie d, wha t you are 
approve d for and you r actua l Cardholde r Agreeme nt wil l be t he agreement sent t o you 
when your account i s first opened. 
Farm Burea u Membe r Rewar ds MasterCard 
Interest Rate s and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 0.00% Introductory APR for the first 9 billing cycles,  12.99% to 2 4.99% APR 
after that based on your credit worthiness.
This APR will vary with the market based on the Prime Rate. 
APR for Cash Advances 25.24% APR.
This APR will vary with the marke t based o n the Prim e Rate. 
APR for Balance Transfers 12.99% to 24.99% APR  based   on    your     credit     worthiness.
This APR will vary with the market based on the Prime Rate. 
Penalty APR and When it Applies Up to 27.24% based on your credit worthiness. This APR will be applied to  
your account if you make a late payment. This APR will vary with the market 
based o n the Prim e Rate.  
How Long Will the Penalt y AP R Apply? :  If your APRs are increased fo r this 
reason , the Penalt y APR may apply until you mak e six (6) consecutive 
minimu m payment s whe n due. 
Paying Interest Your due date is at least 25 days after the close of each billing cycle.   We 
will not charge you interest on purchases if you pay your entire balance by 
the due date each month.  We will begin charging interest on cash advances 
and balance transfers on the transaction date. You will lose your grace 
period on purchases if you do not pay the statement balance (including any 
transferred or cash advance balances) in full each month, by the payment 
due date.  
Minimum Interest Charge If you are charged interest, it will be no less than $2.00 ($0.50 for residents 
of Iowa at the time of account opening).  
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 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 $0 
Transaction Fees  
�Balance Transfer Fee
�Cash Advance Fee
�Foreign Transaction Fee$10 or 4% of the amount of each transfer, whichever is greater. 
We may from time to time offer you lower Transaction Fees on 
Balance Transfers and Checks. 
Either $10 or 5% of each transaction amount, whichever is greater. 
3% of each transaction in U.S. dollars.  
Penalty Fees  
�Late Paym
ent Fee
�Over-the-Credit-Line Fee
�Returned Payment FeeUp to $35 
(the amount of the fee varies by state, see below) 
None 
Up to $35 (the amount of the fee varies by state, see below) 
Additional Check Related Fees  
�Returned 
Check Fee
�Check Stop Payment FeeUp to $35 
(the amount of the fee varies by state, see below) 
Up to $39.95  (the amount of fee varies by state, see below)  
How We Will Calculate Your Balance:  We use a method called "daily balance (including new purchases)". If you are a resident of Iowa at the 
time the account is opened, we use a method called "average daily balance (including new purchases)". These methods are explained in the 
cardholder agreement. 
Loss of Introductor y APR:  We may end your introductor y APR and appl y the Penalt y APR if you mak e a late payment. 
Militar y Lendin g Act:  Covere d borrower s unde r Militar y Lendin g Act; Federa l law provide s important protection s to member s of the Armed 
Force s and their dependent s relatin g to extension s of consume r credit . In general , the cost o f consume r credit t o a membe r of the Armed 
Force s and his or her dependen t may not excee d an annua l percentag e rate of 36 percent . This rate mus t include , as applicabl e to the credit 
transactio n or account:  Th e costs associate d with credi t insuranc e premiums; fee s for ancillar y product s sold in connectio n with the credit 
transaction; an y applicatio n fee charge d (othe r than certai n applicatio n fees for specifie d credit transaction s or accounts); an d any 
participatio n fee charge d (othe r than certai n participatio n fees for a credit car d account) . Pleas e call our toll-fre e number 800.492.327 6 from 
Monday-Friday , 7am-7p m CT and Saturday , 8am-12p m CT if you woul d prefe r an oral disclosur e of the payment obligatio n for thi s account 
befor e using the account or activatin g the card. 
Fees that Vary By State: 
Late Paymen t Fee:  Up to $35 (Up to $15 for resident s of Iowa at tim e of account opening). 
Returne d Paymen t Fee:  Up to $35 (Up to $15 for resident s of Iowa at tim e of account opening). 
Returne d Chec k Fee:  Up to $35 (Up to $20 for resident s of Iowa at tim e of account opening). 
Chec k Stop Paymen t Fee:  Up to $39.95 (Up to $29 for resident s of Iowa at tim e of account opening). 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in the cardholder agreement. 
As of  2/28/2021 the Prime Rate  was 3.25%.