✦ This feature uses Artificial Intelligence to generate its response. AI can make mistakes.
Savings
Explore our savings accounts and watch your money grow.
Save Even More
Save Today. Stay Warm Tomorrow.
Start saving now and earn 5.00% APY before the cold weather arrives.
*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.
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: 10/11/2026
| 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: 10/11/2026
| 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: 10/11/2026
| 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: 10/11/2026
| 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: 10/11/2026
| 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: 10/11/2026
| 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.
Honest advice and sound solutions
Experience enhanced security features, spending controls, and insights for your HRCU debit and credit cards.
Find articles on all-things finance and become financially savvy.
An HRCU credit card can make your next purchase more rewarding.
Take HRCU with you, with free access to your account at thousands of surcharge-free ATMs and credit union branches nationwide.
Make your next smart move
Sign in to save time and continue with a faster application.
Sign In & ContinueOpen your account in just a few steps and become part of your neighborhood credit union.
Get Started
© Holy Rosary Credit Union, NH.
All rights Reserved
