8/2/2016                        Credit�Card�Rates�|�Notre�Dame�FCU
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      Credit Card Rates
      Rates e?�ective as of August 02, 2016 
      Interest Rates and Interest Charges
                         Irish Select Secured (/your- Irish Select (/your-loans/credit- Irish Rewards (/your-loans/credit-cards><span
      �
                        loans/credit-cards><span style=) cards><span style=) style=)
                                                          9.90%,12.90%
      Annual Percentage Rate (APR)  15.90%  15.90% 
                       This APR will vary with the market This APR will vary with the market or 13.90% depending
      for Purchases
                       based on a Prime Rate. 1 based on a Prime Rate. 1 on your creditworthiness. This APR will vary
                                                          with the market based on the Prime Rate. 1
                                                          0% introductory APR for the ??rst twelve (12)
                       15.90%            15.90%           months. After that, your APR will be
      APR for Balance Transfers from
                       This APR will vary with the market This APR will vary with the market 9.90%,12.90% or 13.90% based on your
      another ??nancial institution
                       based on a Prime Rate. 1 based on a Prime Rate. 1 creditworthiness. This APR will vary with the
                                                          market based on the Prime Rate. 1
                                                          9.90%,12.90% or 13.90% depending on your
      APR for Cash Advances 17.90%       17.90%           creditworthiness. This APR will vary with the
                                                          market based on the Prime Rate. 2
                       Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases,
      Paying Interest  provided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash
                       advances on the transaction date.
      For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection Consumer Financial Protection Bureau at http://www.consumer??nance.gov/learnmore
      Bureau           (http://www.consumer??nance.gov/learnmore).
      �
      Fee Information
      Transaction Fees
         Balance Transfer
         Cash Advance    4% of the amount of each transfer  4% of the amount of each transfer  3% of the amount of each transfer 
                         4% of the amount of each transfer  4% of the amount of each transfer  3% of the amount of each advance 
         Foreign Currency Transaction
                         4% of each transaction, in U.S. dollars 4% of each transaction, in U.S. dollars 2% of each transaction, in U.S. dollars
         Fee
      Penalty Fees
         Late Payment
                         Up to $25.00       Up to $25.00      Up to $25.00 
         Returned Payment Up to $32.00 2    Up to $32.00 2    Up to $32.00 3
      �
      More Information
      Visa
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      Exclusive
             %20Guide%20to%20Bene??ts%20-%20CLASSIC.pdf) %20Guide%20to%20Bene??ts%20-%20CLASSIC.pdf) %20Guide%20to%20Bene??ts%20-%20PLATINUM.pdf)
      Bene??ts
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      Application
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    8/2/2016                        Credit�Card�Rates�|�Notre�Dame�FCU
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      �
      Irish Select Secured & Irish Select
      Prime Rate: Variable APRs are based on the 3.50% Prime Rate as of 5/31/2016.
      How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� See your account agreement under Finance
      Charge for more details.
      1 We add 12.40% to the current Prime Rate to determine the Purchase APR or Balance Transfer APR. Maximum APR is 18.00%.
      2 The returned payment fee will be up to $27.00 for the ??rst violation and then up to $32.00 for the second returned payment in the next six months.
      Both a Guide to Bene??ts and a Credit Card Agreement & Disclosure will arrive with your new card.
      Minimum Payment: The minimum monthly payment is 1.5% of your total new balance or the overlimit amount, whichever is greater, but no less than $25 plus
      �
      Irish Rewards
      Loss of Introductory APR: We may end your Introductory APR and apply the applicable Balance Transfer APR, depending on your creditworthiness, if you
      make a late payment.
      Prime Rate: Variable APRs are based on the 3.50% Prime Rate as of 5/31/2016.
      How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� See your account agreement under Finance
      Charge for more details.
      1 We add 6.40%, 9.40% or 10.40% based upon your creditworthiness to the current Prime Rate to determine the Purchase APR or Balance Transfer APR.
      Maximum APR is 18.00%.
      2 We add 6.40%, 9.40% or 10.40% based upon your creditworthiness to the current Prime Rate to determine the Cash Advance APR. Maximum APR is 18.00%.
      Get In Touch
     About Notre Dame Federal Credit Union
     About Us (/about-us): We are a mission-based ??nancial institution that shares the common beliefs of our members and is dedicated to solving problems through extraordinary member
     service. We believe that through frank advice, ??nancial workshops, and educational scholarships, we can provide the ??nancial tools to empower their lives and the lives of their families.
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      � Copyright 2015 by Notre Dame Federal Credit Union
                         (http://www.cyveillance.com/siteseal/index.asp)  (http://portal.hud.gov/hudportal/HUD)  (http://www.ncua.gov/)  
                                                                   Federally insured by NCUA
      Any links to outside websites are completely independent from Notre Dame Federal Credit Union. The privacy and security policies of Notre Dame Federal Credit Union do not apply to
            outside websites. Notre Dame Federal Credit Union is not responsible for and does not endorse the content, services, or products of any outside websites.
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    8/2/2016                        Credit�Card�Rates�|�Notre�Dame�FCU
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