APPLICATION AND
SOLICITATION
DISCLOSURE
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases |
Visa Platinum Variable Visa Secured |
| APR for Balance Transfers |
Visa Platinum Variable Visa Platinum Visa Secured |
| APR for Cash Advances | Visa Platinum Variable and Visa Secured 18.00% Visa Platinum 14.92% Visa Secured 18.00% |
| Penalty APR and When it Applies | Visa Platinum Variable and Visa Secured 18.00% Visa Platinum 14.92% Visa Secured 18.00% 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. |
| How to Avoid Paying Interest on Purchases | 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. |
| For Credit Card Tip 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 | |
| Transaction Fees - Foreign Transaction Fee |
1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars |
| Penalty Fees - Late Payment Fee - Over-the-Credit Limit Fee - Returned Payment Fee |
Up to $35.00 $0.00 Up to $25.00 |
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: 9/17/2026
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 Variable and Visa Platinum 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.
Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of
credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at
1-800-342-3736 or www.dfs.ny.gov.
Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required payment, whichever is less, if you are 3 or more days late in making a payment. In the event you fail to make a payment in any of the six (6) billing cycles following the violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.
Over-the-Credit Limit Fee:
$0.00 - Transactions may be approved up to 10% over your credit limit without an over-limit fee. Transactions exceeding 110% of your credit limit will not be approved.
Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee:
$10.00.
Statement Copy Fee:
3.00.
Research Fee:
$15.00 per hour.
©CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
03404360-MXC10-C-1-022125 (MXC104-E)
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