CDs & IRAs

Special Certificate Rates

3-Month CD with a 4.30% APY*

11-Month CD with a 5.35% 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.

Features

Minimum deposit required $1,000.00
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.

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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.

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 Deposit	Dividend Rate	APY*	Minimum Required to Earn APY
3 Month - Special Offer	$1000	4.22%	4.30%	$1000	How To Open
6 Month	$500	1.09%	1.10%	$500	How To Open
11 Month - Special Offer	$1000	5.22%	5.35%	$1000	How To Open
12 Month	$500	1.98%	2.00%	$500	How To Open
i$ave: 12 Month (Ages 18 & Under Only)	$100 ($10,000 maximum)	2.08%	2.10%	$100	How To Open
17 Month - is no longer available***	$500	3.69%	3.75%	$500	How To Open
18 Month	$500	2.23%	2.25%	$500	How To Open
24 Month	$500	2.23%	2.25%	$500	How To Open
36 Month	$500	2.23%	2.25%	$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

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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.

Features

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

Rates

Individual Retirement Accounts
	Minimum Deposit	Dividend Rate	APY*	Minimum Required to Earn APY
Individual Retirement Accounts	$500	.15%	.15%	$500	How To Open
	$25,000	.25%	.25%	$25,000	How To Open
	$50,000	.30%	.30%	$50,000	How To Open
	$100,000	.35%	.35%	$100,000	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

How To Open

My Account Login

CDs & IRAs

Special Certificate Rates

3-Month CD with a 4.30% APY*

11-Month CD with a 5.35% APY*

Certificates of Deposit

Why choose our CDs?

Certificates of Deposit**

Certificates of Deposit**

Individual Retirement Accounts

Individual Retirement Accounts

Online & Mobile Banking