Rates & Fees

Transparent, up-to-date information on interest rates, service fees, and pricing for all LDPCU products—no hidden charges, ever.

Fees Clear pricing. No surprises.
Rates and Fees

Honest Pricing You Can Trust

At LDPCU, we believe banking should be affordable and transparent. This page provides the latest interest rates for savings, loans, and CDs, along with a complete schedule of fees for services like wire transfers, overdrafts, and account maintenance. All rates are updated daily and reflect current market conditions.

We’ve eliminated many common fees—like monthly maintenance on qualifying accounts, ATM fees in our network, and paper statement charges. Where fees do apply, we clearly explain why and how to avoid them. You’ll also find APR disclosures, yield calculations, and fee waivers for students, seniors, and military members.

Regulatory compliant and audit-ready, this schedule meets all NCUA, CFPB, and FDIC requirements. Download the full PDF or use our interactive rate calculator to model scenarios.

Interest Rates

Current Rates

  • Savings Accounts: 0.50% – 4.25% APY
  • Money Market: 0.75% – 4.50% APY
  • 12-Month CD: 4.75% APY
  • Personal Loans: 6.99% – 18.99% APR
  • Auto Loans: 4.24% – 9.99% APR
  • Mortgage Rates: From 5.125% APR

Fees & Waivers

Understand what you pay—and how to avoid it:

  • Overdraft Fee: $25 (waived first occurrence)
  • Out-of-Network ATM: $2.50 + surcharge
  • Wire Transfer: $20 domestic, $40 international
  • Stop Payment: $25 per request
  • Monthly Maintenance: $0 with $500 min balance
  • Paper Statement: Free (opt-in)
Fee Schedule
Fee Schedule

Fees & Waivers

Understand what you pay—and how to avoid it:

  • Overdraft Fee: $25 (waived first occurrence)
  • Out-of-Network ATM: $2.50 + surcharge
  • Wire Transfer: $20 domestic, $40 international
  • Stop Payment: $25 per request
  • Monthly Maintenance: $0 with $500 min balance
  • Paper Statement: Free (opt-in)

Transparency Is Our Standard

No fine print. No surprises. Just fair, clear pricing that puts you in control.

Transparent Banking Fees

North Camp Credit Union - Serving Europe's financial needs since 2005. Member-owned, community-focused, and committed to your financial success.

Copyright © 2025 North Camp Credit Union. All rights reserved. | NCCU is federally insured by the NCUA.