5/20/2016                        Credit�Card�Rates�|�Notre�Dame�FCU
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      Credit Card Rates
      Rates eective as of May 20, 2016 
      Interest Rates and Interest Charges
                          Credit Builder (/your-loans/credit- Classic Visa (/your-loans/credit-cards> Platinum Rewards *� (/your-
      �
                             cards><span style=) <span style=)  loans/credit-cards><span style=)
                                                              1% introductory APR for six (6) months. 
                        0% introductory APR for six (6) months.  0% APR for six (6) months. 
      �Annual Percentage Rate (APR)                           After that, your APR will be 12.50%. 
                        After that, your APR will be 14.92%.  After that, your APR will be 14.92%. 
      for Purchases                                           This APR will vary with the market based
                        Rate is non-variable. Rate is non-variable.
                                                              on the Prime Rate.
                                                              1% introductory APR for six (6) months. 
                        0% introductory APR for six (6) months.  0% introductory APR for six (6) months.  After that, your APR will be 9.00%. 
      �APR for Balance Transfers After that, your APR will be 7.9% until After that, your APR will be 7.9% until This APR will vary with the market based
                        balance is paid in full. balance is paid in full. on the Prime Rate and is in eect until
                                                              balance is paid in full.
                                                              14.50% 
                        14.92%             14.92%             This APR will vary with the market based
      �APR for Cash Advances
                        Rate is non-variable. Rate is non-variable. on the Prime Rate and is in eect until
                                                              balance is paid in full.
                        You have at least 28 days after the close of each statement period to pay your balance in full without being charged
      �How to Avoid Paying Interest interest. 
                        There is no grace period for cash advances.
      �Minimum Interest Charge None        None               None
                        To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      �For Credit Card Tips from the 
                        Consumer Financial Protection Bureau at http://www.consumernance.gov/learnmore
      Consumer Financial Protection Bureau
                        (http://www.consumernance.gov/learnmore).
      �
      Fee Information
      �Maintenance & Setup Fees
        Annual Fee
                        None               None               None 
        Additional Card Fee None           None               None
      �Transaction Fees
        Balance Transfer None              None               1% of the amount of each transfer 
                        None               None               1% of the amount of each advance 
        Cash Advance
                        Up to 1% of each transaction, in U.S. Up to 1% of each transaction, in U.S. Up to 2% of each transaction, in U.S.
        Foreign Transaction
                        dollars            dollars            dollars
      �Penalty Fees
        Late Payment
                        Up to $25.00       Up to $25.00       Up to $25.00 
        Returned Payment Up to $32.00      Up to $32.00       Up to $32.00
      �
      More Information
      �Visa
           Click here (/sites/default/les/NDGCCGTB%20- Click here (/sites/default/les/NDGCCGTB%20- Click here (/sites/default/les/NDGCPGTB%20-
      Exclusive
           %20Guide%20to%20Benets%20-%20CLASSIC.pdf) %20Guide%20to%20Benets%20-%20CLASSIC.pdf) %20Guide%20to%20Benets%20-%20PLATINUM.pdf)
      Benets
             Apply Now >                Apply Now >                 Apply Now >
      �Application (https://na2.docusign.net/Member/PowerFormSigning.aspx? (https://na2.docusign.net/Member/PowerFormSigning.aspx? (https://na2.docusign.net/Member/PowerFormSigning.aspx?
           PowerFormId=14049407-ac95-4a7a-b912-c936fa96a507) PowerFormId=45e4193a-7357-4235-834f-c56667283f26) PowerFormId=456efd01-e8f6-4dfb-a211-f4b023dd22)
      �
      Variable APRs are based on the 3.50% Prime Rate as of 12/17/2015.
      How we will calculate your balance: We use a method called "average daily balance (including current transactions)." See your account agreement under Finance
      Charge for more details.
    https://www.notredamefcu.com/rates/creditcard                               1/2
    5/20/2016                        Credit�Card�Rates�|�Notre�Dame�FCU
      Loss of introductory or balance transfer APR: We may end your Introductory APR or Balance Transfer APR if you make a late payment. Balance Transfers will post
      as a cash advance.
      *How we will calculate your variable rate: Your variable rates may change when the Prime Rate changes. They are determined by adding 9% for purchase APR,
      5.5% for balance transfer APR, and 11% for cash advance APR to the highest U.S. prime rate published in The Wall Street Journal "Money Rates" table on the 15th
      business day of each month. The rate is eective on the rst day of the billing cycle.
      �Rewards terms and conditions: Earn points on all of your purchases! Rewards are earned on purchases only; returns will be deducted from the calculation. If your
      account is closed, voluntarily or involuntarily, past due or over limit, you will forfeit all rewards.
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      English
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