Rates effective as of
| 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+ | 0.00% 0.10% 1.00% |
*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 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 12 Month Certificate | $500 | 1.70% | ||
| SPECIAL 24 Month Certificate | $500 | 2.22% | ||
| 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% |
*Earn an additional bonus of 0.10% APY when you have a checking account with direct deposit and a loan or credit card with Notre Dame FCU.
| More Term Share Certificates | Minimum to Earn APY | Term | APY |
| Tax-Deferred Certificate | $500 | 15 Months | 0.25% |
APY is Annual Percentage Yield. An early withdrawal penalty may apply to certificates. See Truth-in-Savings Disclosure for details.