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Meet your savings goals and watch your business reach new heights with one of our many savings account options.
Establish your business membership and start saving toward financial goals of all sizes with our basic savings account option.
Your money will work harder for you with this account option. Earn a higher rate of return to help you achieve your financial goals.
| Minimum Deposit | Dividend Rate | APY* | Minimum Required to Earn APY | ||
|---|---|---|---|---|---|
| $0 | .05% | .05% | $0 | How To Open | |
| $2,500 | .50% | .50% | $2,500 | How To Open | |
| $10,000 | .50% | .50% | $10,000 | How To Open | |
| $25,000 | .60% | .60% | $25,000 | How To Open | |
| $50,000 | .75% | .75% | $50,000 | How To Open | |
| $100,000 | 1.49% | 1.50% | $100,000 | How To Open | |
| $250,000 | 1.74% | 1.75% | $250,000 | How To Open | |
| Business Money Market | $25,000 | .60% | .60% | $25,000 | How To Open |
| $50,000 | .75% | .75% | $50,000 | How To Open | |
| $100,000 | 1.49% | 1.50% | $100,000 | How To Open | |
| $250,000 | 1.74% | 1.75% | $250,000 | How To Open |
Trust your money will work overtime for your business' bottom line earning a competitive interest rate for the term of your choice.
| Minimum Deposit | Dividend Rate | APY* | Minimum Required to Earn APY | ||
|---|---|---|---|---|---|
| 6 Month | $500 | 1.09% | 1.10% | $500 | How To Open |
| 12 Month | $500 | 1.24% | 1.25% | $500 | How To Open |
| i$ave: 12 Month (Ages 18 & Under Only) | $100 ($10,000 maximum) | 1.34% | 1.35% | $100 | How To Open |
| 17 Month - is no longer available*** | $500 | 3.69% | 3.75% | $500 | How To Open |
| 18 Month | $500 | 1.49% | 1.50% | $500 | How To Open |
| 24 Month | $500 | 1.74% | 1.75% | $500 | How To Open |
| 36 Month | $500 | 1.98% | 2.00% | $500 | How To Open |
| 48 Month | $500 | 2.47% | 2.50% | $500 | How To Open |
| 60 Month | $500 | 2.96% | 3.00% | $500 | How To Open |
*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
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.
Qualified out-of-pocket medical expenses include:
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:
| Minimum Deposit | Dividend Rate | APY* | Minimum Required to Earn APY |
|---|---|---|---|
| $2,500 | 0.30% | 0.30% | $2,500 |
| $10,000 | 0.55% | 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.
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