Rates

APR is Annual Percentage Rate. Actual interest rate and APR may vary
¹Rate as low as Prime +0.50%, Prime +1.00%, or Prime +1.50%. Rate is determined by credit worthiness and LTV (loan-to-value) percentages. Closing costs may vary.
²The variable rate will be Prime, Prime +0.50%, Prime +1.00%, or Prime +1.50% depending on creditworthiness and LTV (loan-to-value) percentage with a floor rate of 4.00%. The variable rate will be determined by using the highest U.S. Prime Rate published in The Wall Street Journal “Money Rates” table. The rate is effective on the first day of the billing cycle. Minimum loan amount of $10,000 required. Monthly minimum payment is the interest due each period.

APR is Annual Percentage Rate. Actual interest rate and APR may vary.
¹Example: Assume you will borrow $10,000 with a $95 loan processing fee; the loan amount will be $10,095. The calculated APR on a 3-year loan with an interest rate of 2.50% would be 3.134%.
²Example: Assume you will borrow $5,000 with a $95 loan processing fee; the loan amount will be $5,095. The calculated APR on a 5-year loan with an interest rate of 2.50% would be 3.268%.

Prime Rate: Variable APRs are based on the 7.75% Prime Rate as of 12/01/2024.

Annual Percentage Rate (APR) for Balance Transfers: Balance Transfer Rate of 0.00% APR is available for the first twelve (12) billing cycles, after which the APR will return to the variable rate of PRIME +4.15%, +9.40%, +10.40% or +12.40% based on your creditworthiness. Valid only on balance transfers from another financial institution’s credit card. Accounts that have one (1) late payment beyond the due date will revert to the applicable Balance Transfer APR, depending creditworthiness.

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 the amount of any unpaid prior payments due. Payments of $10,000 or greater may not be part of your available credit for three (3) business days. Your payment is due 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 a margin to the highest U.S. Prime Rate published in The Wall Street Journal. The rates are effective on the first day of the billing cycle.

Rewards Terms & 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.

Certain restrictions apply. The information about the costs of the card described in this application is accurate as of December 1, 2024. 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.

APR is Annual Percentage Rate. APRs for loans not designated as Jumbo are calculated based on a $100,000 loan amount. Jumbo Mortgage APRs are calculated based on a $700,000 loan amount. Actual interest rate and APR may vary.

Adjustable Rate Mortgages with an adjustable rate period of one year are fixed for initial term. After initial term rate adjustments are computed annually as margin of 2.750% added to the 1 year Constant Maturity Treasury Rate. Maximum annual rate change is 2% and loan has a lifetime cap of 5% over initial interest rate.

Adjustable Rate Mortgages with an adjustable rate period of five years are fixed for initial term. After initial term rate adjustments are computed every 5 years as margin of 2.750% added to the 5 year Constant Maturity Treasury Rate. Maximum rate change at each reprice is 2% and loan has a lifetime cap of 5% over initial interest rate.

*Earn an additional rate bonus of 0.25% if your aggregate balances across all your Ultimate Business Checking Accounts exceed $100,000. The Ultimate Share Draft accounts calculate dividends using Tiering Method B under Regulation DD. Contact a representative with any questions.

*Earn an additional rate bonus of 0.25% if your aggregate balances across all your Ultimate Nonprofit Checking Accounts exceed $100,000. The Ultimate Share Draft accounts calculate dividends using Tiering Method B under Regulation DD. Contact a representative with any questions.

An early withdrawal penalty may apply to certificates. APY is Annual Percentage Yield.

Prime Rate: Variable APRs are based on the 7.75% Prime Rate as of 12/01/2024.

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 12/01/2024. 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.