©CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01901629-MXC10-C-1-100417 (MXC101-E)
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.
- Annual Fee None
- Balance Transfer Fee $10.00 or 2.00% of the amount of each balance transfer, whichever is
- Cash Advance Fee $10.00 or 2.00% of the amount of each cash advance, whichever is greater
(Maximum Fee: $75.00)
- Foreign Transaction Fee - Visa
Platinum, Visa Platinum Secured, Visa
Signature Cash Rewards
1.00% of each transaction in U.S. dollars
- Foreign Transaction Fee - Visa
Signature Travel Rewards
- Late Payment Fee Up to $25.00
- Over-the-Credit Limit Fee None
- Returned Payment Fee Up to $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR - Visa Platinum, Visa Signature Cash Rewards, Visa Signature Travel
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first
following the opening of your account. Any existing balances on National Institutes of Health Federal
Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
The information about the costs of the card described in this application is accurate as of:
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 Secured, Visa Signature Cash Rewards and Visa
Signature Travel Rewards 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 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 one or more days late in making a
Balance Transfer Fee (Finance Charge):
$10.00 or 2.00% of the amount of each balance transfer, whichever is greater.
Cash Advance Fee (Finance Charge)
$10.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $75.00.
SEE NEXT PAGE for more important information about your account.