VISA PLATINUM
APPLICATION AND SOLICITATION DISCLOSURE

F1  

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

APR for Balance Transfers 

16.49

F2          to F3             when you open your account, 
7.49%
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 
F4             when you open your account, based on your 
16.49%
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F5           to F6             when you open your account, based on your 
7.49%
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

16.49%

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 Federal 
Reserve Board 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

We do not charge you 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 Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

F7         of each transaction in U.S. dollars 
1.00%

Up to F8              
$25.00
Up to F9             
$25.00
Up to F10           
$25.00

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  

Effective Date.  
The information about the costs of the card described in this application is accurate as of F11            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

January 1, 2016.

OTHER DISCLOSURES 

Late Payment Fee 

Over-the-Credit Limit Fee 

Returned Payment Fee 

Statement Copy Fee 
Rush Fee 
Card Replacement Fee 
Custom Card Fee 

F12       or the amount of the required minimum payment, whichever is 
$25.00
less, if you are five (5) or more days late in making a payment. 
F13       or the amount of the transaction exceeding your credit limit, 
$25.00
whichever is less. 
F14       or the amount of the required minimum payment, whichever is 
$25.00
less. 
F15           
$2.00
F16           
$25.00
F17           
$5.00
F18           per design 
$12.95

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

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