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Bump Certificates

The Bump Certificate from HCU is a great way to take advantage of potential rate increases.  222bumpYou are allowed to "bump" up your rate one time during the life of the certificate, allowing you to increase your rate of return.  For example, if your rate today is 1.56% APY and the APY increases to 1.71%, then you can "bump" up your rate and earn 1.71% APY from the date that you increased it!

Plus, the Bump Certificate is available in 29-month and 61-month terms, allowing you the freedom to choose the length that is right for you.  Right now, the 29-month Bump Certificate features rates up to 1.71% APY*, and the 61-month rates top out at 2.22% APY*, depending on deposit level.

To get started, call our Phone Center at 800.428.8472, open your Bump Certificate in HCU Online Banking, or stop by any branch.

 Looking for a shorter term investment? Click here to learn more about our 17-Month Certificate!

 


Limited time offer, membership required, *Annual percentage Yield (APY), penalty for early withdrawal. Minimum $500 opening deposit, $100 for youth accounts, on a 61-month certificate. Bump-Up allows for one rate increase to the current 60 month rate over the term of the certificate. The new rate will remain in effect until the certificate maturity date. Tiers range from $500-24,999 at 1.81% APY, $25,000-99,999 at 1.86% APY, $100,000-249,999 at 2.02% APY, and $250,000+ at 2.12% APY. Rates accurate as of August 22, 2017.

Limited time offer, membership required, *Annual percentage Yield (APY), penalty for early withdrawal. Minimum $500 opening deposit, $100 for youth accounts, on a 29-month certificate. Bump-Up allows for one rate increase to the current 24 month rate over the term of the certificate. The new rate will remain in effect until the certificate maturity date. Tiers range from $500-24,999 at 1.50% APY, $25,000-99,999 at 1.56% APY, $100,000-249,999 at 1.66% APY, and $250,000+ at 1.71% APY.  APY's are  accurate as of August 22, 2017.