Rates effective as of August 10, 2022

Interest Rates and Interest Charges
  Business Platinum Rewards
 Annual Percentage Rate (APR) for Purchases 14.5%
This APR will vary with the market based on the Prime Rate.
 APR for Balance Transfers 14.5%
This APR will vary with the market based on the Prime Rate and is in effect until balance is paid in full.
 How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will begin charging interest on Purchases, Balance Transfers and Cash Advances on the transaction date. To avoid incurring interest charges, for new purchase transactions, you must pay the new balance which includes purchases, balance transfers and cash advances, as shown on the Account Statement, on or before the payment due date.
 Minimum Interest Charge None
 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.
Fee Information
 Maintenance & Setup Fees
  • Annual Fee
  • Account Setup Fee
  • Participation Fee
  • Statement Copy Fee
  • Phone Payment Fee
  • Additional Card Fee
  • Replacement Card Fee

 Transaction Fees
  • Balance Transfer
  • Foreign Transaction

Up to 3% of each transaction, in U.S. dollars
 Penalty Fees
  • Late Payment
  • Returned Payment
  • Overlimit

Up to $25.00
Up to $32.00
Up to $32.00
More Information

Prime Rate: Variable APRs are based on the 5.50% Prime Rate as of 8/1/2022.

Both a Guide to Benefits and a Credit Card Agreement & Disclosure will arrive with your new card.

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.

Minimum Payment: The minimum payment is 2% of your total new balance or the over limit amount, whichever is greater, but not less than $20 plus the amount of any unpaid prior payment due. Payments of $10,000 or greater may not be part of your available credit for three (3) business days. Your payment is due on the 28th of every month.

How we will calculate your variable rate: Your variable rates may change when the Prime Rate changes. They are determined by adding 9% to the highest U.S. prime rate published in The Wall Street Journal. The rate is effective on the first 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.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Certain restrictions apply. The information about the costs of the card described in this application is accurate as of August 1, 2022. This information may have changed after that date. To find out what may have changed, call us at 574/239-6611 or 800/522-6611. You may also write to us at: Notre Dame Federal Credit Union, P.O. Box 7878, Notre Dame, IN 46556.