Calculators
As you make plans to pursue your goals, these calculators can help you get your finances in order.
*uChoose Rewards is now available within the Card Management feature of your Online account.
Effective Date: Monday, December 9, 2024
Minimum Deposit | Dividend Rate | APY* | Minimum Required to Earn APY | |
---|---|---|---|---|
Regular Checking | $100 | .05% | .05% | $100 |
Health Savings Checking Account | $0 | 0.10% | 0.10% | $5 |
$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.
Effective Date: Monday, December 9, 2024
Minimum Deposit | Dividend Rate | APY* | Minimum Required to Earn APY | ||
---|---|---|---|---|---|
Savings & Shares | $5 | .05% | .05% | $5 | Become A Member |
$5 | 1.98% | 2.00% | $5 | Learn More | |
$1,000 | .05% | .05% | $1,000 | Learn More | |
$5 | 1.98% | 2.00% | $5 | Learn More | |
$1,000 | .05% | .05% | $1,000 | Learn 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.
Effective Date: Monday, December 9, 2024
Minimum Deposit | Dividend Rate | APY* | Minimum Required to Earn APY | ||
---|---|---|---|---|---|
Create-A-Club | $0 | .05% | .05% | $5 | How To Open |
Christmas Club | $0 | .05% | .05% | $5 | How To Open |
Home Heating Club | $0 | 1.98% | 2.00% | $5 | How To Open |
$1,000 | .05% | .05% | $1,000 | How To Open | |
DREAM Club Share** | $0 | .50% | .50% | $5 | How To Open |
$10,000 | .05% | .05% | $10,000 | How 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.
Effective Date: Monday, December 9, 2024
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 |
*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.
Effective Date: Monday, December 9, 2024
Minimum Deposit | Dividend Rate | APY* | Minimum Required to Earn APY | |
---|---|---|---|---|
3 Month - Special Offer | $1000 | 3.445% | 3.500% | $1000 |
6 Month | $500 | 1.09% | 1.10% | $500 |
8 Month - Special Offer | $500 | 4.41% | 4.50% | $500 |
11 Month - Special Offer | $500 ($2,000 maximum) | 5.87% | 6.03% | $500 |
12 Month | $500 | 1.24% | 1.25% | $500 |
i$ave: 12 Month (Ages 18 & Under Only) | $100 ($10,000 maximum) | 1.34% | 1.35% | $100 |
13 Month - Special Offer | $500 | 4.17% | 4.25% | $500 |
18 Month | $500 | 1.49% | 1.50% | $500 |
24 Month | $500 | 1.74% | 1.75% | $500 |
36 Month | $500 | 1.98% | 2.00% | $500 |
48 Month | $500 | 2.47% | 2.50% | $500 |
60 Month | $500 | 2.72% | 2.75% | $500 |
*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 ***Product 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
Effective Date: Monday, December 9, 2024
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
As you make plans to pursue your goals, these calculators can help you get your finances in order.