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CDs & IRAs

Certificates of Deposits (CDs) are a great way to grow your savings at great rates and flexible terms. In return, you earn interest on the sum you deposited. It's that easy! 

Special Certificate Rates

Boost your savings with a limited-time special offer!

15-Month CD with a 4.15% APY!*

Enjoy guaranteed returns with HRCU's special certificate (CD) rates.

Start earning on your savings today by logging into your Online Account, Live Chatting with our Member Services, or calling Member Support at 603-332-6840.

Features
  • Minimum deposit required $500.00
  • 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

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

Features
  • Minimum deposits required range from $500.00 to $10,000.00
  • Flexible terms - from six 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
6 Month $5001.09%1.10%$500How To Open
12 Month $5001.49%1.50%$500How To Open
i$ave: 12 Month (Ages 18 & Under Only)$100 ($10,000 maximum) 1.59%1.60%$100How To Open
15 Month - Special Offer$5004.07%4.15%$500How To Open
17 Month - is no longer available***$5003.69%3.75%$500How To Open
18 Month$5001.74%1.75%$500How To Open
24 Month$5001.98%2.00%$500How To Open
36 Month$5002.23%2.25%$500How To Open
48 Month$5002.47%2.50%$500How To Open
60 Month$5003.20%3.25%$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 *** 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

 

How To Open

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 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

How To Open

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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