Info Desk
All rates are effective , unless stated otherwise.
Fees could reduce earnings on share accounts.
Share Rates
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Minimum amount to open a Membership (share account) is $5.00. | ||
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*If the daily minimum balance falls below $10,000 on
any given day, a $7.00 monthly maintenance fee will be assessed against
the account, and an APY of 0% will apply, thereby reducing earnings.
Accounts closed within one year of opening will be charged $25. Early
closure fee may vary during special promotions. | |||
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A PENALTY WILL BE IMPOSED FOR WITHDRAWAL BEFORE MATURITY:
- If your account has an original maturity of one year or less:
The penalty we impose will be the greater of:- seven days dividends on the amount withdrawn, or
- an amount not to exceed 90 days worth of dividends whether earned or not
- If your account has an original maturity of more than one year:
The penalty we impose will be the greater of:- seven days dividends on the amount withdrawn, or
- an amount not to exceed 180 days worth of dividends whether earned or not
The minimum balance required to open Share Certificate is $500.
You
must maintain a minimum daily balance of $500 in your account to obtain the
disclosed Annual Percentage Yield.
Loan Rates
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*Minimum loan amount of $5,000. Includes a discount rate of .50% for AutoPay from a share account with us, plus a .50% discount for Golden Shamrock Club members. Not eligible for refinance of NDFCU loans. | |||
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*Autopay from a NDFCU share account required. Rate fixed for the first 3 months, then changes on the first of the month based on the Prime Rate. | |||
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7.9%APR* on ALL Balance Transfers! Click here for Balance Transfer Form. |
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*Annual Percentage Rate (APR). Rate of 7.9%APR valid only on balance transfers from another financial institution's credit card. Payments will apply to balances of 7.9%APR first. If you are a VisaŽ Platinum Card holder, the Annual Percentage Rate (APR) on an account past due two (2) cycles (payments) will increase to 17.9%. Accounts one payment late revert to the standard prevailing rate. |
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Monthly Payment minimum is 3.25% of the outstanding balance after each advance. | ||||
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*Includes a discount rate of .50% for AutoPay from a share account with us, plus a .50% discount for Golden Shamrock Club members. | ||
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**Only share savings & share certificates are eligible as security. | ||
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***Rate is equal to Prime Rate plus 5.50%. Maximum rate is lesser of 18% or the maximum allowed by law. | ||
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APR is calculated based on a $100,000 purchase transaction. | ||
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Points represent percentage of principal amount borrowed. Deduct 0.50% from the points for AutoPay from a share account with us. | ||
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Please Note: Mortgage rates may vary from day to day and the rates shown may not be accurate. Please contact us at 574/ 239-6611 for the current rates. | ||
| Click here for Mortgage Rates outside Indiana & Michigan | ||
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*APR is Annual Percentage Rate. Rate stated above is A+ rate, and includes a discount of 0.50% for AutoPay from a share account with Notre Dame Federal Credit Union, plus a 0.50% discount for Golden Shamrock Club members. Discount applicable on EquiFast equity product only. | ||
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**EquiFast is a fixed-rate loan, with a maximum term of 20 years. The minimum loan amount is $5,000; the maximum is $200,000. | ||
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***This APR requires an LTV ratio of 80% or less. | ||
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PRIMEquity rates change on the first day of each quarter. Monthly payment minimum: interest only. | ||
