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Checking Accounts

Effective Date: Monday, December 9, 2024

Checking Accounts

Minimum DepositDividend RateAPY*Minimum Required to Earn APY
Regular Checking$100.05%.05%$100
Health Savings Checking Account$00.10%0.10%$5
$2,5000.30%0.30%$2,500
$10,0000.55%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.


Savings Accounts

Effective Date: Monday, December 9, 2024

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

Effective Date: Monday, December 9, 2024

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 Accounts

Effective Date: Monday, December 9, 2024

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.


Certificates of Deposit**

Effective Date: Monday, December 9, 2024

Certificates of Deposit**

Minimum DepositDividend RateAPY*Minimum Required to Earn APY
3 Month - Special Offer$10003.445%3.500%$1000
6 Month $5001.09%1.10%$500
8 Month - Special Offer$5004.41%4.50%$500
11 Month - Special Offer$500 ($2,000 maximum)5.87%6.03%$500
12 Month $5001.24%1.25%$500
i$ave: 12 Month (Ages 18 & Under Only)$100 ($10,000 maximum) 1.34%1.35%$100
13 Month - Special Offer$5004.17%4.25%$500
18 Month$5001.49%1.50%$500
24 Month$5001.74%1.75%$500
36 Month$5001.98%2.00%$500
48 Month$5002.47%2.50%$500
60 Month$5002.72%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


Individual Retirement Accounts

Effective Date: Monday, December 9, 2024

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

Calculators

As you make plans to pursue your goals, these calculators can help you get your finances in order.