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Savings
Explore our savings accounts and watch your money grow.
Special Offer
This season, every bit you save could come with a little extra help from our weekly and monthly raffles.
*APY=Annual Percentage Yield. All dividends are based on the Average Daily Balance and are paid monthly. For tiered rates when the Average Daily Balance exceeds the first tier maximum amount, dividends will be based on a split rate using both rate tiers. All rates are variable and subject to change without notice. Deposits are fully insured up to $500,000; to at least $250,000 by NCUA and $250,000 by Excess Share Insurance. Home Heating Clubs are not eligible for online withdrawals.
**Promotion valid 11/1/2026-1/31/2027. Open to new and existing HRCU Home Heating Club members, no minimum balance required. Two (2) $500 winners will be selected monthly, with the $500 prize deposited directly into each winner’s Home Heating Club share. Winners will be selected at random from eligible members during the first week of the new month, with the first selection taking place in December 2026. Home Heating Club share must be opened during the prior month in order to be included in the monthly drawings. For example, to be eligible for one of the two $500 drawings done the first week of December, the Home Heating Club must be opened by the last day of November. One (1) $100 gas gift card winner will be selected weekly. Weekly winner will be notified via telephone or email and has 30 calendar days to claim the gift card. If gift card is not claimed within 30 calendar days, the gift card will be donated to a local charity. Limit one prize per member during the promotion period. HRCU employees and volunteers are not eligible. No purchase necessary. Odds of winning depend on the number of eligible Home Heating Club shares opened during the promotional period. HRCU reserves the right to adjust or discontinue this promotion at any time. Terms and conditions apply.
Savings & Shares
You're on your way to meeting your savings goals the moment you open your HRCU membership. This interest-earning primary share savings account is a great way to save while giving you access to HRCU's exclusive membership benefits.
Club Account
Saving for something special, like a dream vacation or your future home? Or perhaps something less thrilling, like taxes or an emergency fund? A Club Account is the perfect solution to help you keep these savings separate from your everyday funds.
Money Market
With Money Market savings, your money works harder for you.
Effective Date: 11/10/2026
| Minimum Deposit | Dividend Rate | APY* | Minimum Balance to Earn APY |
|---|---|---|---|
| $5.00 | 0.05% | 0.05% | $5.00 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.
Effective Date: 11/10/2026
| Type | Minimum Deposit | Dividend Rate | APY* | Minimum Balance to Earn APY |
|---|---|---|---|---|
| Create-a-Club | $0.00 | 0.05% | 0.05% | $5 |
| Holiday Club | $0.00 | 0.05% | 0.05% | $5 |
| Home Heating Club | $0.00 | 4.89% | 5.00% | $5 |
| $5,000 | 0.05% | 0.05% | $5,000 | |
| DREAM Club Share** | $0.00 | 0.50% | 0.50% | $5 |
| $10,000 | 0.05% | 0.05% | $10,000 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Home Heating Clubs are not eligible for online withdrawals. Holiday Club has a $5 penalty for early withdrawal. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.
**DREAM account assists account holder(s) with saving toward the purchase of a home. Must be 18 or older to establish account. Rate is subject to change without notice. Interest is paid monthly. Funds must be on deposit for a minimum of 6 months. A fee of $25.00 will be incurred if funds are withdrawn for purposes other than to pay fees associated with an HRCU mortgage application process. Qualifying form(s) required to waive fee. Qualifying forms: appraisal or inspection invoice. Lender credit limited to one credit per mortgage and borrower may only receive the credit once. Lender credit applied at time of loan closing with HRCU. To qualify for the lender credit the following eligibility requirements must be met: •Loan closed with HRCU (standard underwriting guidelines apply). •Home is primary residence. •Loan qualifies to be maintained in portfolio at HRCU; loans sold to the secondary market may not apply.
Effective Date: 11/10/2026
| Minimum Deposit | Dividend Rate | APY* | Minimum Balance to Earn APY |
|---|---|---|---|
| $0 | 0.05% | 0.05% | $0 |
| $2,500 | 0.50% | 0.50% | $2,500 |
| $10,000 | 0.50% | 0.50% | $10,000 |
| $25,000 | 0.60% | 0.60% | $25,000 |
| $50,000 | 0.75% | 0.75% | $50,000 |
| $100,000 | 1.49% | 1.50% | $100,000 |
| $250,000 | 1.74% | 1.75% | $250,000 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.
Effective Date: 11/10/2026
| Minimum Deposit | Dividend Rate | APY* | Minimum Balance to Earn APY |
|---|---|---|---|
| $0 | 0.10% | 0.10% | $5 |
| $2,500 | 0.30% | 0.30% | $2,500 |
| $10,000 | 0.55% | 0.55% | $10,000 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.
Effective Date: 11/10/2026
| Minimum Balance | Dividend Rate | APY* | Minimum Required to Earn APY |
|---|---|---|---|
| $5-1,000 | 4.89% | 5.00% | $5 |
| $1,000+ | 0.05% | 0.05% | $1,000+ |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.
Effective Date: 11/10/2026
| Minimum Balance | Dividend Rate | APY* | Minimum Required to Earn APY |
|---|---|---|---|
| $5-$1,000 | 4.89% | 5.00% | $5 |
| $1,000+ | 0.05% | 0.05% | $1,000+ |
*Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.
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