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Business Savings

Establish your business membership and start saving toward financial goals of all sizes with our basic savings account option.

Features
  • Access this account at any of our branches, online or by phone
  • When connected to your business checking account, this account can provide automatic overdraft protection

Money Market

Your money will work harder for you with this account option. Earn a higher rate of return to help you achieve your financial goals.

Features
  • Interest paid at the end of each month
  • Maximum of three withdrawals per month
  • $25,000 minimum balance required in order to earn interest
Rates

Money Market Accounts

Money Market Accounts

Minimum DepositDividend RateAPY*Minimum Required to Earn APY

Personal Money Market

$0.05%.05%$0How To Open
$2,500.50%.50%$2,500How To Open
$10,000.50%.50%$10,000How To Open
$25,000.60%.60%$25,000How To Open
$50,000.75%.75%$50,000How To Open
$100,0001.49%1.50%$100,000How To Open
$250,0001.74%1.75%$250,000How To Open
Business Money Market$25,000.60%.60%$25,000How To Open
$50,000.75%.75%$50,000How To Open
$100,0001.49%1.50%$100,000How To Open
$250,0001.74%1.75%$250,000How To Open

Certificates of Deposit

Trust your money will work overtime for your business' bottom line earning a competitive interest rate for the term of your choice.

Features
  • Flexible terms
  • Insured up to $500,000
Rates

Certificates of Deposit**

Effective Date: Monday, December 9, 2024

Certificates of Deposit**

Minimum DepositDividend RateAPY*Minimum Required to Earn APY
3 Month - Special Offer$10003.445%3.500%$1000
6 Month $5001.09%1.10%$500
8 Month - Special Offer$5004.41%4.50%$500
11 Month - Special Offer$500 ($2,000 maximum)5.87%6.03%$500
12 Month $5001.24%1.25%$500
i$ave: 12 Month (Ages 18 & Under Only)$100 ($10,000 maximum) 1.34%1.35%$100
13 Month - Special Offer$5004.17%4.25%$500
18 Month$5001.49%1.50%$500
24 Month$5001.74%1.75%$500
36 Month$5001.98%2.00%$500
48 Month$5002.47%2.50%$500
60 Month$5002.72%2.75%$500

*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. **IRA Certificates also available by seeing a member services representative ***Product is no longer available for purchase. Rate displayed as information only for certificates opened prior to 10/24/2022. 
1One time rate upgrade during term

*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. **IRA Certificates also available by seeing a member services representative. ***Bump certificate is no longer available for purchase. Rate displayed as information only for certificates opened prior to 10/24/2022.
1One time rate upgrade during term

Health Savings Checking Account

We take care of our business members so you can take care of your employees. Our HSA is designed to help account holders cover out-of-pocket medical expenses associated with high-deductible health insurance plans.

Additional Details
  • All HSA contributions (up to the annual limit listed below) are tax deductible
  • Any interest earned is tax-free if used to pay for qualifying health expenses
  • Funds can be accessed with a VISA® HSA Debit Card or traditional checks
  • All HSA funds used count towards your annual health insurance deductible
  • Dividends earned do not count towards your annual contribution limit
  • HSA owners age 55 and older can even contribute an extra $1,000 per year over regular annual limits to further build that nest egg for healthcare expenses that may be encountered during retirement
  • Unused HSA funds are not forfeited at the end of the year

Qualified out-of-pocket medical expenses include:

  • Doctor visits
  • Prescriptions
  • Vision
  • Dental
  • Chiropractors
  • Acupuncturists
  • And more...

Our friendly staff are happy to help! We can provide information on the products, answer any questions you may have and open the accounts for your employees.

2024 HSA Annual Contribution Limits: 

  • 2024 Single HSA Annual Contribution Limit: $4,150.00
  • 2024 Family HSA Annual Contribution Limit: $8,300.00
Rates

Checking Accounts

Minimum DepositDividend RateAPY*Minimum Required to Earn APY
$2,5000.30%0.30%$2,500
$10,0000.55%0.55%$10,000

*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. Penalty for early withdrawal applies to Certificates of Deposit. 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.Maintenance or activity fees could reduce the earnings on the account.

To be eligible for HSA, owner must have a qualified, high deductible health insurance plan.

Annual contribution limits are determined by the Internal Revenue Service (IRS). 

Funds withdrawn for non-qualified expenses will be taxed at your income-tax rate, plus a 20% tax penalty if under the age of 65.

The IRS states that a negative balance in your HSA account is prohibited by federal law. This means that you cannot have any transaction, fee or charge that causes your HSA account to have a negative balance. It is extremely important that you do not overdraw your HSA account.

We encourage you to set up an account balance alert on your HSA account to help effectively manage your account and avoid a negative balance. By opening an HRCU HSA, you agree to immediately deposit sufficient funds to eliminate any negative balance should that situation occur, and also authorize HRCU to transfer funds from any other HRCU account in which you have an interest, to create a non-negative balance in the HSA checking account.

If you do not correct a negative account balance immediately, The IRS will consider your account in a prohibited state and by law HRCU must close your account. According to the Internal Revenue Code, if an HSA account results in a negative balance, the HSA will cease to be an HSA on the first day of the year in which the prohibited transaction occurred, thus becoming taxable.