Rates

Savings ProductsMinimum to Earn APYAPY
Share Savings$4000.05%
Christmas Club$4000.05%
Health Savings Account$4002.0%
Checking ProductsMinimum to earn APYAPY
Free CheckingN/A
Ultimate Personal Checking*$0 - $4,9990.00%
$5,000 - $99,9992.0%
$100,000 - $999,9993.50%
$1,000,000+4.75%
*If the account balance falls below $5,000 at any point during the month, a minimum balance fee will be assessed and a dividend rate of 0.00% will be applied. Rates subject to change at any time. The Ultimate Share Draft accounts calculate dividends using Tiering Method B under Regulation DD. Contact a representative with any questions.
IRA AccountsMinimum to Earn APYAPY
Traditional/Roth IRA Savings$400 - $14,999
$15,000 +
0.05%
0.10%
Coverdell Savings$400 - $14,999
$15,000 +
0.05%
0.10%
Term Share CertificatesMinimum to Earn APYStandard APY
SPECIAL 7 Month Standard or IRA CertificateNo Minimum5.25%
SPECIAL 18 Month Standard or IRA CertificateNo Minimum4.75%
SPECIAL 24 Month Standard or IRA CertificateNo Minimum4.50%
1-2 Months Standard or IRA Certificate No Minimum0.35%
3-5 Months Standard or IRA CertificateNo Minimum0.50%
6-11 Months Standard or IRA Certificate No Minimum1.50%
12-17 Months Standard or IRA Certificate No Minimum2.00%
18-23 Months Standard or IRA Certificate No Minimum2.00%
24-29 Months Standard or IRA Certificate No Minimum2.00%
30-35 Months Standard or IRA Certificate No Minimum2.00%
36-47 Months Standard or IRA Certificate No Minimum2.50%
48-59 Months Standard or IRA Certificate No Minimum2.50%
60-71 Months Standard or IRA Certificate No Minimum2.50%
84 Months Standard or IRA Certificate No Minimum3.00%
120 Months Standard or IRA Certificate No Minimum3.50%
More Term Share CertificatesMinimum to Earn APY TermAPY
Tax-Deferred Certificate$50015 Months0.25%

APY is Annual Percentage Yield. An early withdrawal penalty may apply to certificates. See Truth-in-Savings Disclosure for details.

Last updated: 03/27/24
Vehicle LoansAPR as low as
Recreational (Motorcyle, Marine)19.530%
Motor Home (RV)29.030%
Auto Loans36.260%
APR is Annual Percentage Rate. Actual interest rate and APR may vary.
1Example: Assume you will borrower $30,000 with $249 loan processing fee; the loan amount will be $30,249. The calculated APR on 6-year loan with an interest rate of 9.24% would be 9.530%.

2Example: Assume you will borrower $30,000 with $249 loan processing fee; the loan amount will be $30,249. The calculated APR on 6-year loan with an interest rate of 8.74% would be 9.030%.

3Example: Assume you will borrower $30,000 with $249 loan processing fee; the loan amount will be $30,249. The calculated APR on a 6-year loan with an interest rate of 5.99% would be 6.260%.
Home EquityAPR as low as
Equifast19.50%
Primequity HELOC28.50%
APR is Annual Percentage Rate. Actual interest rate and APR may vary
1Rate as low as Prime, 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.
Other LoansAPR as low as
Share Certificate Secured13.134%
Share Savings Secured23.268%
Unsecured Loan14.99%
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%.
Last updated: 03/27/24
Irish RewardsAPR for PurchasesAPR for Balance Transfers from Another Financial InstitutionAPR for Cash Advances
Interest Rates12.65%, 17.90%, 18.00%, or 18.00% depending on your creditworthiness. This APR will vary with the market based on the Prime Rate10% introductory APR for the first twelve (12) months. After that, your APR will be12.65%, 17.90%, 18.00%, or 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.112.65%, 17.90%, 18.00%, or 18.00% depending on your creditworthiness. This APR will vary with the market based on the Prime Rate.2
1We add 4.15%, 9.40%, 10.40%, or 12.40% based upon your creditworthiness to the current Prime Rate to determine the Purchase APR or Balance Transfer APR. Maximum APR is 18.00%.
2We add 4.15%, 9.40%, 10.40%, or 12.40% based upon your creditworthiness to the current Prime Rate to determine the Cash Advance APR. Maximum APR is 18.00%.
Irish RewardsHow to Avoid Paying InterestMinimum Interest ChargeFor Credit Card Tips from the
Consumer Financial Protection Bureau
Interest ChargesYour 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.NoneTo learn more about factors to consider when applying for or using a credit card, visit the website of the
Consumer Financial Protection Bureau
Irish RewardsBalance TransferCash AdvanceForeign Currency Transaction Fee
Transaction Fees3% of the amount of each transfer3% of the amount of each advance2% of each transaction, in U.S. dollars
Irish RewardsLate PaymentReturned Payment
Penalty FeesUp to $25.00Up to $32.001
1The returned payment fee will be up to $27.00 for the first violation and then up to $32.00 for the second returned payment in the next six months.
Prime Rate: Variable APRs are based on the 8.50% Prime Rate as of 08/01/2023.

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 August 1, 2023. 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.
Last updated: 03/27/24

Fixed Rate 30 Day Lock - 1% Point

30 Day Lock - 1% PointInterest RateAPR
30-Year6.750%7.043%
20-Year6.250%6.620%
15-Year6.250%6.714%
10-Year5.750%6.390%
30 Day Lock - 1% PointJUMBO Interest RateAPR
30-Year7.000%7.176%
20-Year6.500%6.720%
15-Year6.500%6.775%
10-Year6.000%6.374%
60 Day Lock 0.5% PointInterest RateAPR
30-Year6.875%7.120%
20-Year6.375%6.683%
15-Year6.500%6.889%
10-Year6.000%6.533%
60 Day Lock 0.5% PointJUMBO Interest RateAPR
30-Year7.125%7.252%
20-Year6.625%6.782%
15-Year6.750%6.949%
10-Year6.250%6.517%
60 Day LockInterest RateAPR
30-Year7.000%7.196%
20-Year6.750%7.001%
15-Year6.500%6.807%
10-Year6.375%6.804%
60 Day LockJUMBO Interest RateAPR
30-Year7.250%7.328%
20-Year7.000%7.098%
15-Year6.750%6.868%
10-Year6.625%6.788%

Adjustable Rate Loans

Adjustable Rate LoansInterest RateAPR
5/5 ARM6.500%6.996%
10/1 ARM7.250%7.622%
7/1 ARM7.125%7.626%
Jumbo Adjustable Rate LoansInterest RateAPR
10/1 ARM7.500%7.662%
7/1 ARM7.375%7.630%

Specialty Products

Home Ready 30-YearInterest RateAPR
30 Day Lock - 1% Point6.375%6.658%
60 Day Lock - 0.5% Point6.500%6.736%
60 Day Lock6.625%6.814%
Second Home 30-YearInterest RateAPR
30 Day Lock - 1% Point6.375%6.658%
60 Day Lock - 0.5% Point6.500%6.736%
60 Day Lock6.750%6.941%
Land/Lot LoansInterest RateAPR
75% LTV (non-platted subdivision)9.000%9.871%
80% LTV (platted subdivision)9.000%9.871%
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.
Last updated: 03/27/24
Checking ProductsMinimum Amount to EarnStandard RateRate With Bonus
Business Share DraftN/A
Ultimate Business Checking$0 - $49,9990.0%Bonus*: add .25% to each level0.25%
$50,000 - $99,9991.75%2.00%
$100,000 - $999,9993.25%3.50%
$1,000,000+4.50%4.75%
*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.
Non-Profit Checking ProductsMinimum Amount to Earn Standard RateRate with Bonus
Ultimate Nonprofit Checking$0 - $49,9990.0%BONUS* add 0.25% to each level0.25%
$50,000 - $999,9993.25%3.50%
$1,000,000+4.75%5.00%
*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.
Term Share CertificatesMinimum to Earn APYStandard APY
SPECIAL 7 Month Standard or IRA CertificateNo Minimum5.25%
SPECIAL 18 Month Standard or IRA CertificateNo Minimum4.75%
SPECIAL 24 Month Standard or IRA CertificateNo Minimum4.50%
1-2 Months Standard or IRA Certificate No Minimum0.35%
3-5 Months Standard or IRA CertificateNo Minimum0.50%
6-11 Months Standard or IRA Certificate No Minimum1.50%
12-17 Months Standard or IRA Certificate No Minimum2.00%
18-23 Months Standard or IRA Certificate No Minimum2.00%
24-29 Months Standard or IRA Certificate No Minimum2.00%
30-35 Months Standard or IRA Certificate No Minimum2.00%
36-47 Months Standard or IRA Certificate No Minimum2.50%
48-59 Months Standard or IRA Certificate No Minimum2.50%
60-71 Months Standard or IRA Certificate No Minimum2.50%
84 Months Standard or IRA Certificate No Minimum3.00%
120 Months Standard or IRA Certificate No Minimum3.50%
An early withdrawal penalty may apply to certificates. APY is Annual Percentage Yield.
Last updated: 03/27/24
Business Platinum RewardsAPR for PurchasesAPR for Balance Transfers
Interest Rates17.50%
This APR will vary with the market based on the Prime Rate.
17.50%
This APR will vary with the market based on the Prime Rate and is in effect until balance is paid in full.
Business Platinum RewardsHow to Avoid Paying InterestMinimum Interest ChargeFor Credit Card Tips from the
Consumer Financial Protection Bureau
Interest ChargesYour 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.NoneTo learn more about factors to consider when applying for or using a credit card, visit the website of the
Consumer Financial Protection Bureau
Business Platinum RewardsAnnual FeeAccount Setup FeeParticipation FeeStatement Copy FeePhone Payment FeeAdditional Card FeeReplacement Card Fee
Maintenance & Setup FeesNoneNoneNone$5.00$5.00None$5.00
Business Platinum RewardsBalance TransferForeign Transaction
Transaction FeesNoneUp to 3% of each transaction, in U.S. dollars
Business Platinum RewardsLate PaymentReturned Payment Overlimit
Penalty FeesUp to $25.00Up to $32.00Up to $32.00
Prime Rate: Variable APRs are based on the 8.50% Prime Rate as of 08/01/2023.

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 08/01/2023. 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.
Last updated: 03/27/24

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