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Savings/Certificate Rates
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Rates effective as of Aug 1, 2013.

 

Certificate Special

Limited time offer. Membership required. *Annual Percentage Yield (APY), $500 minimum investment, $100 for youth accounts. Non-youth accounts must also have an active checking account, funded loan, credit card, or mortgage with HCU, includes MMS mortgages. Penalty for early withdrawal. Not available to other Financial Institutions. Rates accurate as of 8/1/13.

Maturity $500 to $24,999 $25,000 to $99,999 $100,000 to $249,999 $250,000 & Up
APY* Rate APY* Rate APY* Rate APY* Rate
72 Month 2.25% 2.23% 2.30% 2.28% 2.40% 2.38% 2.50% 2.48%

Certificate Special

Limited time offer. Membership required. *Annual Percentage Yield (APY), $500 minimum investment on 72-month certificate. $5,000 minimum investment, $500 for youth accounts on 120-month certificate. Non-youth accounts must also have an active checking account, funded loan, credit card, mortgage with HCU, includes MMS mortgages, or deposit $100,000 or more in a 10-year certificate. Penalty for early withdrawal. Not available to other Financial Institutions. Rates accurate as of 8/1/13.

Maturity $5,000 to $24,999 $25,000 to $99,999 $100,000 to $249,999 $250,000 & Up
APY* Rate APY* Rate APY* Rate APY* Rate
120 Month 3.00% 2.97% 3.05% 3.02% 3.10% 3.06% 3.15% 3.11%

Share Accounts

Share Account Min. Amount Max. Amount APY* Rate
Savings Accounts: Share, Special Share, Scottie Savers, Gateway, Christmas Club & Club Share, Conservator/Rep Payee, Save@School 0.20% 0.20%
Life Savings Account** 0.00% 0.00%
Money Market** and Investment Shares $2,500 $4,999 0.20% 0.20%
$5,000 $9,999 0.25% 0.25%
$10,000 $24,999 0.25% 0.25%
$25,000 $49,999 0.25% 0.25%
$50,000 $99,999 0.30% 0.30%
$100,000 $249,999 0.30% 0.30%
$250,000 0.30% 0.30%

Draft Accounts

Draft Account Min. Amount Max. Amount APY* Rate
eChecking & Gateway Checking 0.00% 0.00%
Classic Checking** 0.10% 0.10%
Premier Checking $0 $2,499 0.10% 0.10%
$2,500 $9,999 0.25% 0.25%
$10,000 $24,999 0.25% 0.25%
$25,000 $49,999 0.25% 0.25%
$50,000 $99,999 0.30% 0.30%
$100,000 0.30% 0.30%

Standard Certificates

Minimum investment for a certificate is $500.00. The minimum investment for Scottie Saver or Gateway certificates is $100.00. Rates may change weekly as determined solely by the board of directors. These are rates and APY's* that were offered within the most recent seven calendar days. The APY* assumes funds will remain on deposit for a full year at the disclosed rate. Unless otherwise paid, dividends will be compounded and paid every quarter. You may apply dividends to a separate account quarterly, instead of compounding, however this will change your APY to equal your rate. On certificates of $25,000 and up you may apply dividends to a separate account monthly, instead of compounding, however this will change your APY* to equal your rate. (Monthly payouts not available on 3 month certificates.)

Maturity $500 to $24,999 $25,000 to $99,999 $100,000 to $249,999 $250,000 & Up
APY* Rate APY* Rate APY* Rate APY* Rate
3 Month 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
6 Month 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35%
12 Month 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40%
24 Month 0.65% 0.65% 0.65% 0.65% 0.70% 0.70% 0.75% 0.75%
36 Month 0.95% 0.95% 1.00% 1.00% 1.05% 1.05% 1.05% 1.05%
48 Month 1.21% 1.20% 1.26% 1.25% 1.31% 1.30% 1.36% 1.35%
60 Month 1.76% 1.75% 1.81% 1.80% 1.86% 1.85% 1.91% 1.90%

* Annual percentage yield,   ** No longer offered

All accounts Federally Insured to at least $250,000 by NCUA. To obtain current rate information, phone 620.669.0177 or 800.428.8472. See your 'Important Account Information' brochure and 'Fee Schedule' for other disclosures, terms and conditions.

Additional Rates