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CDs & IRAs

You can relax knowing that your funds are safe, secure and growing with an interest rate you deserve.

Special Certificate Rates

3-Month CD with a 3.500% APY*

8-Month CD with a 4.90% APY*

Enjoy guaranteed returns with HRCU's special certificate (CD) rates. Perfect if you are looking to build your nest egg or get started in growing your wealth. 

Start earning today by logging into your Online Account, Live Chatting with our Member Services, or calling Member Support.

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Details
  • Minimum deposit required $1,000.00 for 3-month CD and $500.00 for 10-month CD.
  • Subject to early withdrawal penalty.
  • Funds are insured by NCUA up to $250,000.00 and ESI up to $250,000.00.
  • Also available for IRA Certificates! Talk to Member Support or visit us to learn more.

*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. 

Certificates of Deposit

Why choose our CDs?

They offer security, higher interest rates, and peace of mind. Your money is locked in for a fixed term, so you'll watch your savings steadily grow while enjoying competitive rates. Plus, with NCUA insurance, your investment is safeguarded. Whether you're saving for a major goal or building a financial safety net, our CDs are your key to financial success. 

Start earning today by logging into your Online Account and clicking "Quick Apply," Live Chatting with our Member Services, or calling Member Support.

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Features
  • Minimum deposits required range from $500.00 to $10,000.00
  • Flexible terms - from three months to five years
  • Subject to early withdrawal penalty
  • Funds are insured by NCUA up to $250,000.00 and ESI up to $250,000.00
Rates

Certificates of Deposit**

Certificates of Deposit**

Minimum DepositDividend RateAPY*Minimum Required to Earn APY
3 Month - Special Offer$10003.445%3.500%$1000How To Open
6 Month $5001.09%1.10%$500How To Open
8 Month - Special Offer$5004.79%4.90%$500How To Open
12 Month $5001.24%1.25%$500How To Open
i$ave: 12 Month (Ages 18 & Under Only)$100 ($10,000 maximum) 1.34%1.35%$100How To Open
18 Month$5001.49%1.50%$500How To Open
24 Month$5001.74%1.75%$500How To Open
36 Month$5001.98%2.00%$500How To Open
48 Month$5002.47%2.50%$500How To Open
60 Month$5002.72%2.75%$500How 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

 

Individual Retirement Accounts

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.

Start earning today by logging into your Online Account and clicking "Quick Apply," Live Chatting with our Member Services, or calling Member Support.

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Features
  • Choose an account that fits your financial plan
  • Educational, Traditional, SEP or Roth IRA options are available
Rates

Individual Retirement Accounts

Minimum DepositDividend RateAPY*Minimum Required to Earn APY
Individual Retirement Accounts$500.15%.15%$500How To Open
$25,000.25%.25%$25,000How To Open
$50,000.30%.30%$50,000How To Open
$100,000.35%.35%$100,000How 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

Online & Mobile Banking

Access your funds or make your Visa® payment with our safe and secure remote banking services anywhere, anytime.

Learn MoreAbout Online and Mobile Banking

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