Menu

Business Savings Rates

Print

Rates effective as of Dec 23, 2016.

 

Share Accounts

† Minimum account requirements do not apply to Special Share Accounts.

Share Account Min. Amount Max. Amount APY* Rate
Business Share 0.20% 0.20%

Draft Accounts

Fees may reduce earning on Premier Accounts.

Draft Account Min. Amount Max. Amount APY* Rate
Business eChecking 0.00% 0.00%
Business Basic Checking 0.10% 0.10%
Business Checking 0.10% 0.10%
Business High Yield Checking $0 $24,999 0.00% 0.00%
$25,000 $49,999 0.20% 0.20%
$50,000 $99,999 0.25% 0.25%
$100,000 $249,999 0.25% 0.25%
$250,000 0.25% 0.25%

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% 0.30% 0.30% 0.35% 0.35% 0.50% 0.50%
6 Month 0.50% 0.50% 0.50% 0.50% 0.55% 0.55% 0.60% 0.60%
12 Month 0.70% 0.70% 0.75% 0.75% 0.80% 0.80% 0.85% 0.85%
24 Month 1.10% 1.10% 1.15% 1.15% 1.21% 1.20% 1.26% 1.25%
36 Month 1.51% 1.50% 1.56% 1.55% 1.61% 1.60% 1.66% 1.65%
48 Month 1.76% 1.75% 1.81% 1.80% 1.86% 1.85% 1.91% 1.90%
60 Month 2.02% 2.00% 2.07% 2.05% 2.17% 2.15% 2.22% 2.20%

Add On Certificates

Certificate Special
Let your money grow faster with a special rate on our 30-month Add-on Certificate. Enjoy a rate up to 1.75% APY2 when you take advantage of this limited time offer.
Limited time offer. Membership required. Fixed 1Annual Percentage Yield (APY), $500 minimum investment, $100 for youth accounts, or $50/month automatic deposit 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 via online banking, payroll direct deposit or automatic transfer from existing accounts. Maturity date will not advance. Non-youth accounts must have HCU Premier checking with payroll direct deposit. 1.75% APY assumes member has HCU Premier checking account with payroll direct deposit; 1.50% APY without these items. Penalty for early withdrawal. Rates accurate as of 4/24/2017.

$500 minimum investment, $100 for youth accounts, or $50/month automatic deposit on 30-month certificate. You may 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 via online banking, payroll direct deposit or automatic transfer from existing accounts. Maturity date will not advance. Non-youth accounts must have HCU checking with payroll direct deposit. 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 1.10% 1.10% 1.15% 1.15% 1.21% 1.20% 1.26% 1.25%

Investment Shares and Certificates

Rates are equal to our consumer rates.

 

* 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