Rates

Savings ProductsMinimum to Earn APYAPY
Share Savings$4000.05%
Christmas Club$4000.05%
Health Savings Account$4001.25%
Checking ProductsMinimum to Earn APYAPY
Free CheckingN/A
Ultimate Personal Checking*$0 - $4,999
$5,000 - $99,999
$100,000 - $999,999
$1,000,000+
0.00%
0.50%
1.50%
3.50%
*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.
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 APY with Bonus
SPECIAL 12 Month Certificate$5003.75%-
SPECIAL 24 Month Certificate$5003.85%-
SPECIAL 36 Month Certificate$5004.00%-
1-2 Months Standard or IRA Certificate No Minimum0.05%BONUS* add 0.10%0.15%
3-5 Months Standard or IRA CertificateNo Minimum0.10%0.20%
6-11 Months Standard or IRA Certificate No Minimum0.15%0.25%
12-17 Months Standard or IRA Certificate No Minimum0.25%0.35%
18-23 Months Standard or IRA Certificate No Minimum0.30%0.40%
24-29 Months Standard or IRA Certificate No Minimum0.35%0.45%
30-35 Months Standard or IRA Certificate No Minimum0.40%0.50%
36-47 Months Standard or IRA Certificate No Minimum0.40%0.50%
48-59 Months Standard or IRA Certificate No Minimum0.50%0.60%
60-71 Months Standard or IRA Certificate No Minimum0.75%0.85%
84 Months Standard or IRA Certificate No Minimum1.00%1.10%
120 Months Standard or IRA Certificate No Minimum1.10%1.20%
*Earn an additional bonus of 0.10% APY when you have a checking account with direct deposit and a loan or a credit card with Notre Dame FCU.
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: November 17, 2022
Vehicle LoansAPR as low as
Recreational (Motorcyle, Marine)17.320%
Motor Home (RV)26.820%
Auto Loans34.760%
APR is Annual Percentage Rate. Actual interest rate and APR may vary.
1Example: Assume will borrow $30,000 with a $249 loan processing fee; the loan amount will be $30,249. The calculated APR on a 5-year loan with an interest rate of 6.99% would be 7.320%.
2Example: Assume you will borrow $30,000 with a $249 loan processing fee; the loan amount will be $30,249. The calculated APR on a 5 year loan with an interest rate of 6.49% would be 6.820%.
3Example: Assume you will borrow $30,000 with a $249 loan processing fee; the loan amount will be $30,249. The calculated APR on a 6 -year loan with an interest rate of 4.49% would be 4.760%.
Home EquityAPR as low as
Equifast16.50%
Primequity HELOC21.00%
APR is Annual Percentage Rate. Actual interest rate and APR may vary
1Rate as low as Prime +1.00%. Rate is determined by credit worthiness and LTV (loan-to-value) percentages. Closing costs may vary.
251.00% APR is introductory rate. Introductory rate available for new loans only. At the end of the introductory period, the variable rate will be Prime -1.00%, Prime -.50%, Prime, or Prime +.50% depending on credit worthiness and LTV (loan-to-value) percentage with a floor rate of 4.00%.
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%.
Tuition FinancingAPR as low as
Holy Cross Tuition16.792%
Saint Ignatius Tuition216.000%
APR is Annual Percentage Rate. Actual interest rate and APR may vary.
1Example: Assume you will borrow $3,000 with a $50 loan processing fee; the loan amount will be $3,050. The calculated APR on a 5-month loan with an interest rate of 0.00% would be 6.792%.
2Example: Assume you will borrow $3,000 with a $150 loan processing fee; the loan amount will be $3,150. The calculated APR on a 10-month loan with an interest rate of 4.99% would be 16.000%.
Last updated: November 17, 2022
Irish RewardsAPR for PurchasesAPR for Balance Transfers from Another Financial InstitutionAPR for Cash Advances
Interest Rates10.40%, 15.65%, 16.65% 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 be 10.40%, 15.65%, 16.65% or 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.110.40%, 15.65%, 16.65% 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 6.25% Prime Rate as of 9/22/2022.

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 November 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.
Last updated: November 17, 2022

Fixed Rate Loans

30 Day Lock - 1% PointInterest RateAPR
30-Year6.375%6.658%
20-Year5.875%6.236%
15-Year5.875%6.329%
10-Year5.750%6.390%
30 Day Lock - 1% PointJUMBO Interest RateAPR
30-Year6.625%6.796%
20-Year6.125%6.340%
15-Year6.125%6.395%
10-Year6.000%6.378%
60 Day LockInterest RateAPR
30-Year6.875%7.069%
20-Year6.250%6.490%
15-Year6.750%7.063%
10-Year6.750%7.189%
60 Day LockJUMBO Interest RateAPR
30-Year7.125%7.204%
20-Year6.500%6.593%
15-Year7.000%7.125%
10-Year7.000%7.175%

Adjustable Rate Loans

Adjustable Rate LoansInterest RateAPR
15/5 ARM6.625%6.875%
5/5 ARM5.875%6.730%
10/1 ARM6.500%7.018%
7/1 ARM6.375%7.096%
5/1 ARM6.125%7.127%
Jumbo Adjustable Rate LoansInterest RateAPR
15/5 ARM6.875%6.970%
5/5 ARM6.125%6.717%
10/1 ARM6.750%7.070%
7/1 ARM6.625%7.112%
5/1 ARM6.375%7.114%
Land/Lot LoansInterest RateAPR
75% LTV (non-platted subdivision)5.750%6.487%
80% LTV (platted subdivision)5.750%6.487%
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: November 17, 2022
Student LoansAPR
All Student Loans6.25% - 7.25% repayment interest rate reductions available
Notre Dame Federal Credit Union recommends using the Student Alternative Resource (STAR) Loan as a supplemental funding source ONLY after exhausting all other opportunities available from Federal student loans, education grants, and scholarships. As always, taking on debt for any reason should be done deliberately and only for amounts needed. Notre Dame FCU reserves the right to modify or discontinue benefits at its discretion and without notice.

APR is Annual Percentage Rate. This loan has a variable interest rate, that is based on a publicly available index, Prime. Your rate will be calculated each quarter by adding a margin between 0.00% and 1.00% to the highest U.S. prime rate published in The Wall Street Journal.
Last updated: November 17, 2022
Savings ProductsMinimum Amount to EarnStandard Rate Rate With Bonus
Business Share DraftN/A
Ultimate Business Checking$0 - $49,999
$50,000 - $99,999
$100,000 - $999,999
$1,000,000+
0.0%
0.25%
1.25%
3.25%
Bonus*: add .25% to each level0.25%
0.50%
1.50%
3.50%
Non-Profit Checking ProductsMinimum Amount to Earn Standard Rate Rate with Bonus
Ultimate Non-Profit Checking$0 - $49,999
$50,000 - $999,999
$1,000,000
0.0%
1.75%
3.75%
BONUS* add 0.25% to each level0.25%
2.00%
4.00%
*Earn an additional rate bonus of 0.25% if your aggregate balances across all your Ultimate Non-Profit Checking Accounts exceed $100,000.
Term Share CertificatesMinimum to Earn APYStandard APY APY with Bonus
SPECIAL 12 Month Certificate$5003.75%-
SPECIAL 24 Month Certificate$5003.85%-
SPECIAL 36 Month Certificate$5004.00%-
1-2 Months Standard or IRA Certificate No Minimum0.05%BONUS* add 0.10%0.15%
3-5 Months Standard or IRA CertificateNo Minimum0.10%0.20%
6-11 Months Standard or IRA Certificate No Minimum0.15%0.25%
12-17 Months Standard or IRA Certificate No Minimum0.25%0.35%
18-23 Months Standard or IRA Certificate No Minimum0.30%0.40%
24-29 Months Standard or IRA Certificate No Minimum0.35%0.45%
30-35 Months Standard or IRA Certificate No Minimum0.40%0.50%
36-47 Months Standard or IRA Certificate No Minimum0.40%0.50%
48-59 Months Standard or IRA Certificate No Minimum0.50%0.60%
60-71 Months Standard or IRA Certificate No Minimum0.75%0.85%
84 Months Standard or IRA Certificate No Minimum1.00%1.10%
120 Months Standard or IRA Certificate No Minimum1.10%1.20%
*Earn an additional bonus of 0.10% APY when you have a checking account with direct deposit and a loan or a credit card with Notre Dame FCU.
An early withdrawal penalty may apply to certificates. See Truth-in-Savings Disclosure for details.

APY is Annual Percentage Yield.
Last updated: November 17, 2022
Business Platinum RewardsAPR for PurchasesAPR for Balance Transfers
Interest Rates16.25%
This APR will vary with the market based on the Prime Rate.
16.25%
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 6.25% Prime Rate as of 9/22/2022.

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 November 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.
Last updated: November 17, 2022

Open Free Checking Account

open free checking account