Business Savings Rates
Rates effective as of Feb 1, 2015.
† Minimum account requirements do not apply to Special Share Accounts.
|Share Account||Min. Amount||Max. Amount||APY*||Rate|
Fees may reduce earning on Premier Accounts.
|Draft Account||Min. Amount||Max. Amount||APY*||Rate|
|Business Basic Checking||0.10%||0.10%|
|Business High Yield Checking||$0||$24,999||0.00%||0.00%|
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|
Add On Certificates
An Add-on Certificate is the perfect solution to help save for your next car, a down payment on a home, or to simply start a nest egg for the future. Earn up to 1.51% APY^ with our 30-month Add-on Certificate. Plus, you get the ability to add money to your account during the entire term of the certificate.
*Limited time offer. Membership required. Fixed *Annual 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 checking with payroll direct deposit. 1.51% APY assumes member has HCU checking account with payroll direct deposit; 1.26% APY without these items. Penalty for early withdrawal. Rates accurate as of 9/1/2016.
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.