Savings/Certificate Rates

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Rates effective as of Feb 1, 2019.

 

Share Accounts

$100 minimum balance to earn dividends on Prime Share accounts. $25 minimum to earn dividends on Gateway Savings and Scottie Savers.

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 0.25% 0.25%
Life Savings Account** 0.00% 0.00%

Draft Accounts

Fees may reduce earnings.

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%

Money Market** and Investment Share

Tier APY** Rate
Investment Shares 0.30% 0.30%
Investment Shares 0.35% 0.35%
Investment Shares 0.45% 0.45%
Investment Shares 0.45% 0.45%
Money Market 0.00% 0.00%
Money Market 0.15% 0.15%
Money Market 0.15% 0.15%
Money Market 1.56% 1.55%
Money Market 1.66% 1.65%
Money Market 1.71% 1.70%
Money Market 1.76% 1.75%
Money Market 1.76% 1.75%

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. The APY* assumes funds will remain on deposit for a full year at the disclosed rate. A penalty for early withdrawal applies. 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 0.50% 0.50% 0.60% 0.60% 0.60% 0.60% 0.70% 0.70%
12 Month 1.26% 1.25% 1.36% 1.35% 1.41% 1.40% 1.51% 1.50%
24 Month 1.76% 1.75% 1.86% 1.85% 1.96% 1.95% 2.02% 2.00%
36 Month 1.91% 1.90% 2.02% 2.00% 2.12% 2.10% 2.17% 2.15%
48 Month 2.02% 2.00% 2.12% 2.10% 2.22% 2.20% 2.27% 2.25%
60 Month 2.22% 2.20% 2.32% 2.30% 2.42% 2.40% 2.47% 2.45%

Add On Certificates

*Annual Percentage Yield, $500 minimum investment, $100 for youth accounts on 30-month certificate. Add on anytime during the entire term. $500 minimum add-on in person or over the phone, $100 youth. No minimum for add-ons done through online banking, payroll direct deposit or automatic transfer from existing accounts. Maturity date will not advance. Penalty for early withdrawal.

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
30 Month Add-on 1.76% 1.75% 1.86% 1.85% 1.96% 1.95% 2.02% 2.00%

Bump Certificate

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
29 Month 1.51% 1.50% 1.56% 1.55% 1.66% 1.65% 1.71% 1.70%
61 Month 2.02% 2.00% 2.07% 2.05% 2.17% 2.15% 2.22% 2.20%

Certificate Special

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
17 Month 0.70% 0.70% 0.70% 0.70% 0.85% 0.85% 0.85% 0.85%

Certificate Special

Minimum investment for a Save-to-Win certificate is $25.00. Additional deposits are allowed during the term of this certificate. For every $25.00 increase in month over month balance, the certificate owner will earn one entry (up to 10 entries per month/30 entries per quarter) into the savings raffle. The Savings Promotion Raffle begins on January 1, 2019 and ends December 31, 2019, however, certificates will mature 12 months after account opening. for official rules visit hcu.coop/savetowin. Rates may change weekly as determined solely by the board of directors. 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.

Tier APY** Rate
Save to Win Certificate 1.26% 1.25%

Certificate Special

It's time to move your money and take advantage of our limited-time, 13-month certificate featuring APYs* ranging from 1.65% - 1.80%, depending on deposit level. The 13-month Certificate won't be around for long, so take advantage and start moving today!

Maturity $2,500 to $24,999 $25,000 & up
APY* Rate APY* Rate
13 Month 1.65% 1.64% 1.80% 1.79%

* Annual percentage yield,   ** No longer offered

All accounts Federally Insured to at least $250,000 by NCUA. To obtain current rate information, phone 669.0177 or 800.428.8472. See your 'Important Account Information' brochure and 'Fee Schedule' for other disclosures, terms and conditions.

Additional Rates