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CDs and IRAs
Certificates of Deposit
Whether you're saving for a big goal or strengthening your financial safety net, our CDs provide a dependable path to financial success. They combine security, competitive interest rates, and peace of mind. Lock your funds for a fixed term, then watch your savings grow steadily and consistently.
Individual Retirement Accounts (IRAs)
Save for the future with one of our dependable retirement accounts and be confident knowing your money will be waiting for you when you need it.
Not sure which option fits your needs? We're here to help you explore your choices and find what works best for you.
1The information provided here is for general informational purposes only and does not constitute financial or accounting advice. We recommend consulting with a qualified financial or accounting professional for guidance tailored to your individual circumstances.
Peace of mind for your deposits.
Rest easy knowing your deposits are fully insured with coverage up to $500,000.
HRCU members can feel confident knowing their deposits are protected by the National Credit Union Administration (NCUA), a U.S. government agency that insures funds at federally insured credit unions. On top of that, HRCU partners with Excess Share Insurance (ESI) to provide additional coverage, giving you extra peace of mind that your savings are safe and secure.
Effective Date: 7/6/2026
| Type | Minimum Deposit | Dividend Rate | APY* | Minimum Required to Earn APY |
|---|---|---|---|---|
| 3-Month Special | $1,000 | 3.20% | 3.25% | $1,000 |
| 6-Month | $500 | 1.09% | 1.10% | $500 |
| 7-Month Special** | $500 ($2,000 maximum) | 5.87% | 6.03% | $500 |
| 11-Month Special | $500 | 3.69% | 3.75% | $500 |
| 12-Month | $500 | 1.24% | 1.25% | $500 |
| i$ave: 12-Month (ages 18 & under only) | $100 ($10,000 maximum) | 1.34% | 1.35% | $100 |
| 18-Month | $500 | 1.49% | 1.50% | $500 |
| 24-Month | $500 | 1.74% | 1.75% | $500 |
| 36-Month | $500 | 1.98% | 2.00% | $500 |
| 48-Month | $500 | 2.47% | 2.50% | $500 |
| 60-Month | $500 | 2.72% | 2.75% | $500 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. Certificate Rates are subject to change without notice; however, the rate will remain in effect for the term of the certificate once opened. Penalties may be incurred for early withdrawals. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. IRA deposits are fully insured up to $500,000; $250,000 by the NCUA and $250,000 by Excess Share Insurance. Withdrawals, maintenance, or activity fees could reduce the earnings on the account.
**APY = Annual Percentage Yield. 7-Month Special Certificate of Deposit is no longer available to purchase. Availability is limited to a renewal option for existing 7-Month 6.03 Special Certificate of Deposit holders who’s existing 7-Month 6.03 Special Certificate of Deposit is maturing between 7/1/2026 – 8/15/2026. Rate and term availability is subject to change at any time.
Effective Date: 7/6/2026
| Minimum Deposit | Dividend Rate | APY* | Minimum Balance to Earn APY |
|---|---|---|---|
| $500 | 0.15% | 0.15% | $500 |
| $25,000 | 0.25% | 0.25% | $25,000 |
| $50,000 | 0.30% | 0.30% | $50,000 |
| $100,000 | 0.35% | 0.35% | $100,000 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. IRA deposits are fully insured up to $500,000; $250,000 by the NCUA and $250,000 by Excess Share Insurance. Withdrawals, maintenance, or activity fees could reduce the earnings on the account.
**IRA Certificates also available by contacting Member Support.
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