Rates
| Savings Products | Minimum to Earn APY | APY |
|---|---|---|
| Share Savings | $400 | 0.05% |
| Christmas Club | $400 | 0.05% |
| Health Savings Account | $400 | 1.25% |
| Checking Products | Minimum to earn APY | APY |
|---|---|---|
| Free Checking | N/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% |
| IRA Accounts | Minimum to Earn APY | APY |
|---|---|---|
| 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 Certificates | Minimum to Earn APY | Standard APY | APY with Bonus | |
|---|---|---|---|---|
| SPECIAL 14 Month Certificate | $500 | 4.14% | - | |
| 1-2 Months Standard or IRA Certificate | No Minimum | 0.05% | BONUS* add 0.10% | 0.15% |
| 3-5 Months Standard or IRA Certificate | No Minimum | 0.10% | 0.20% | |
| 6-11 Months Standard or IRA Certificate | No Minimum | 0.15% | 0.25% | |
| 12-17 Months Standard or IRA Certificate | No Minimum | 0.25% | 0.35% | |
| 18-23 Months Standard or IRA Certificate | No Minimum | 0.30% | 0.40% | |
| 24-29 Months Standard or IRA Certificate | No Minimum | 0.35% | 0.45% | |
| 30-35 Months Standard or IRA Certificate | No Minimum | 0.40% | 0.50% | |
| 36-47 Months Standard or IRA Certificate | No Minimum | 0.40% | 0.50% | |
| 48-59 Months Standard or IRA Certificate | No Minimum | 0.50% | 0.60% | |
| 60-71 Months Standard or IRA Certificate | No Minimum | 0.75% | 0.85% | |
| 84 Months Standard or IRA Certificate | No Minimum | 1.00% | 1.10% | |
| 120 Months Standard or IRA Certificate | No Minimum | 1.10% | 1.20% |
| More Term Share Certificates | Minimum to Earn APY | Term | APY |
|---|---|---|---|
| Tax-Deferred Certificate | $500 | 15 Months | 0.25% |
| Last updated: February 3, 2023 |
| Vehicle Loans | APR as low as |
|---|---|
| Recreational (Motorcyle, Marine)1 | 8.317% |
| Motor Home (RV)2 | 7.816% |
| Auto Loans3 | 6.367% |
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 7.99% would be 8.317%.
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 7.49% would be 7.816%.
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 6.09% would be 6.367%.
| Home Equity | APR as low as |
|---|---|
| Equifast1 | 8.50% |
| Primequity HELOC2 | 1.00% |
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.
21.00% 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%.
1Rate as low as Prime +1.00%. Rate is determined by credit worthiness and LTV (loan-to-value) percentages. Closing costs may vary.
21.00% 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 Loans | APR as low as |
|---|---|
| Share Certificate Secured1 | 3.134% |
| Share Savings Secured2 | 3.268% |
| Unsecured Loan | 14.99% |
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%.
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 Financing | APR as low as |
|---|---|
| Holy Cross Tuition1 | 6.792% |
| Saint Ignatius Tuition2 | 16.000% |
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%.
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: February 3, 2023 |
| Irish Rewards | APR for Purchases | APR for Balance Transfers from Another Financial Institution | APR for Cash Advances |
|---|---|---|---|
| Interest Rates | 11.65%, 16.90%, 17.90% or 18.00% depending on your creditworthiness. This APR will vary with the market based on the Prime Rate1 | 0% introductory APR for the first twelve (12) months. After that, your APR will be 11.65%, 16.90%, 17.90% or 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.1 | 11.65%, 16.90%, 17.90% or 18.00% depending on your creditworthiness. This APR will vary with the market based on the Prime Rate.2 |
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 Rewards | How to Avoid Paying Interest | Minimum Interest Charge | For Credit Card Tips from the Consumer Financial Protection Bureau |
|---|---|---|---|
| Interest Charges | 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. | None | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau |
| Irish Rewards | Balance Transfer | Cash Advance | Foreign Currency Transaction Fee |
|---|---|---|---|
| Transaction Fees | 3% of the amount of each transfer | 3% of the amount of each advance | 2% of each transaction, in U.S. dollars |
| Irish Rewards | Late Payment | Returned Payment |
|---|---|---|
| Penalty Fees | Up to $25.00 | Up 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 7.50% Prime Rate as of 12/15/2022.
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 January 3, 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.
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 January 3, 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: February 3, 2023 |
Fixed Rate Loans
| 30 Day Lock - 1% Point | Interest Rate | APR |
|---|---|---|
| 30-Year | 5.875% | 6.146% |
| 20-Year | 5.375% | 5.724% |
| 15-Year | 5.125% | 5.560% |
| 10-Year | 5.125% | 5.746% |
| 30 Day Lock - 1% Point | JUMBO Interest Rate | APR |
|---|---|---|
| 30-Year | 6.125% | 6.287% |
| 20-Year | 5.625% | 5.831% |
| 15-Year | 5.375% | 5.629% |
| 10-Year | 5.375% | 5.737% |
| 60 Day Lock | Interest Rate | APR |
|---|---|---|
| 30-Year | 6.375% | 6.559% |
| 20-Year | 5.875% | 6.108% |
| 15-Year | 5.625% | 5.913% |
| 10-Year | 5.625% | 6.034% |
| 60 Day Lock | JUMBO Interest Rate | APR |
|---|---|---|
| 30-Year | 6.625% | 6.697% |
| 20-Year | 6.125% | 6.213% |
| 15-Year | 5.875% | 5.981% |
| 10-Year | 5.875% | 6.026% |
Adjustable Rate Loans
| Adjustable Rate Loans | Interest Rate | APR |
|---|---|---|
| 5/5 ARM | 5.625% | 6.254% |
| 10/1 ARM | 6.000% | 6.684% |
| 7/1 ARM | 5.875% | 6.833% |
| 5/1 ARM | 5.375% | 6.816% |
| Jumbo Adjustable Rate Loans | Interest Rate | APR |
|---|---|---|
| 5/5 ARM | 5.875% | 6.243% |
| 10/1 ARM | 6.250% | 6.737% |
| 7/1 ARM | 6.125% | 6.850% |
| 5/1 ARM | 5.625% | 6.812% |
| Land/Lot Loans | Interest Rate | APR |
|---|---|---|
| 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.
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: February 3, 2023 |
| Student Loans | APR |
|---|---|
| All Student Loans | 6.25% - 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.
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: February 3, 2023 |
| Savings Products | Minimum Amount to Earn | Standard Rate | Rate With Bonus | |
|---|---|---|---|---|
| Business Share Draft | N/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 level | 0.25% 0.50% 1.50% 3.50% |
| Non-Profit Checking Products | Minimum 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 level | 0.25% 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 Certificates | Minimum to Earn APY | Standard APY | APY with Bonus | |
|---|---|---|---|---|
| SPECIAL 14 Month Certificate | $500 | 4.14% | - | |
| 1-2 Months Standard or IRA Certificate | No Minimum | 0.05% | BONUS* add 0.10% | 0.15% |
| 3-5 Months Standard or IRA Certificate | No Minimum | 0.10% | 0.20% | |
| 6-11 Months Standard or IRA Certificate | No Minimum | 0.15% | 0.25% | |
| 12-17 Months Standard or IRA Certificate | No Minimum | 0.25% | 0.35% | |
| 18-23 Months Standard or IRA Certificate | No Minimum | 0.30% | 0.40% | |
| 24-29 Months Standard or IRA Certificate | No Minimum | 0.35% | 0.45% | |
| 30-35 Months Standard or IRA Certificate | No Minimum | 0.40% | 0.50% | |
| 36-47 Months Standard or IRA Certificate | No Minimum | 0.40% | 0.50% | |
| 48-59 Months Standard or IRA Certificate | No Minimum | 0.50% | 0.60% | |
| 60-71 Months Standard or IRA Certificate | No Minimum | 0.75% | 0.85% | |
| 84 Months Standard or IRA Certificate | No Minimum | 1.00% | 1.10% | |
| 120 Months Standard or IRA Certificate | No Minimum | 1.10% | 1.20% |
An early withdrawal penalty may apply to certificates. See Truth-in-Savings Disclosure for details.
APY is Annual Percentage Yield.
APY is Annual Percentage Yield.
| Last updated: February 3, 2023 |
| Business Platinum Rewards | APR for Purchases | APR for Balance Transfers |
|---|---|---|
| Interest Rates | 16.50% This APR will vary with the market based on the Prime Rate. | 16.50% This APR will vary with the market based on the Prime Rate and is in effect until balance is paid in full. |
| Business Platinum Rewards | How to Avoid Paying Interest | Minimum Interest Charge | For Credit Card Tips from the Consumer Financial Protection Bureau |
|---|---|---|---|
| Interest Charges | 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. | None | To 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 Rewards | Annual Fee | Account Setup Fee | Participation Fee | Statement Copy Fee | Phone Payment Fee | Additional Card Fee | Replacement Card Fee |
|---|---|---|---|---|---|---|---|
| Maintenance & Setup Fees | None | None | None | $5.00 | $5.00 | None | $5.00 |
| Business Platinum Rewards | Balance Transfer | Foreign Transaction |
|---|---|---|
| Transaction Fees | None | Up to 3% of each transaction, in U.S. dollars |
| Business Platinum Rewards | Late Payment | Returned Payment | Overlimit |
|---|---|---|---|
| Penalty Fees | Up to $25.00 | Up to $32.00 | Up to $32.00 |
Prime Rate: Variable APRs are based on the 7.50% Prime Rate as of 12/15/2022.
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 January 3, 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.
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 January 3, 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: February 3, 2023 |