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Savings & Shares

Take another step closer to your financial goals the moment your membership begins. This interest-earning primary share (savings account) provides a great way to save while giving you access to the benefits of being a part of the HRCU family.

Features
  • Begin your HRCU membership by opening and maintaining this account
  • $5.00 minimum balance required
  • No monthly maintenance charge
  • Maximum of six electronic withdrawals per month
  • Interest is paid at the end of each month
  • Access your funds through Co-Op Network ATMs, our 24-hour ATMs, as well as Online Banking and Mobile Banking
Rates

Savings Accounts

Minimum DepositDividend RateAPY*Minimum Required to Earn APY
Savings & Shares$5.05%.05%$5Become A Member

Teen Savings

$51.98%2.00%$5Learn More
$1,000.05%.05%$1,000Learn More

Kids Savings

$51.98%2.00%$5Learn More
$1,000.05%.05%$1,000Learn More

*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.

Club Accounts

This account is ideal for the member who is looking to set aside a few extra dollars for the their next home, the holidays, a vacation, taxes or even just a fun rainy day!

Features
  • No monthly maintenance charge
  • Interest paid at the end of each month
  • Nickname your account according to your purpose
Rates

Club Accounts

Minimum DepositDividend RateAPY*Minimum Required to Earn APY
Create-A-Club$0.05%.05%$5How To Open
Christmas Club$0.05%.05%$5How To Open
Home Heating Club$01.98%2.00%$5How To Open
$1,000.05%.05%$1,000How To Open
DREAM Club Share**$0.50%.50%$5How To Open
$10,000.05%.05%$10,000How To Open

*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. Home Heating Club requires 1 withdrawal per year, or a fee of $25 will be incurred; if the account is closed within 1 year of opening a $25 fee will also be incurred. Christmas Club has a $5 penalty for early withdrawal. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.

**DREAM account assists account holder(s) with saving toward the purchase of a home. Must be 18 or older to establish account. Rate is subject to change without notice. Interest is paid monthly. Funds must be on deposit for a minimum of 6 months. A fee of $25.00 will be incurred if funds are withdrawn for purposes other than to pay fees associated with an HRCU mortgage application process. Qualifying form(s) required to waive fee. Qualifying forms: appraisal or inspection invoice. Lender credit limited to one credit per mortgage and borrower may only receive the credit once. Lender credit applied at time of loan closing with HRCU. To qualify for the lender credit the following eligibility requirements must be met: •Loan closed with HRCU (standard underwriting guidelines apply). •Home is primary residence. •Loan qualifies to be maintained in portfolio at HRCU; loans sold to the secondary market may not apply.

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 six withdrawals per month
  • $0 minimum balance required in order to earn interest
Rates

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

*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.

Mortgages

Allow our Mortgage Loan Officers to help you find the right financing and help you purchase the home of your dreams.

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