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IRA and HSA Rates

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Rates effective as of Mar 16, 2015.

Grand Certificate: Celebrate the opening of our 29th & Main branch with our 29-month bump-up, add-on certificate! This new certificate features a 1.29% APY* and the ability to raise your rate if interest rates go up. You can also add-on anytime in the first year!

Limited time offer, membership required, *Annual percentage Yield (APY), , penalty for early withdrawal. Minimum $1,000 opening deposit, $100 for youth accounts. 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. Add-on anytime during the first 12 months of the term. $500 minimum add-on in person or over the phone, any amount online Maturity date will not advance. Rate of 1.28% assumes HCU Checking with Payroll Direct Deposit or opening deposit of $100,000 or greater; 1.14% APY (Rate of 1.13%) without either one.

 

IRA and HSA Shares

Share Account APY* Rate
HSA balances over $100. 0.20% 0.20%
IRA Shares incl. Traditional, Roth, Coverdell & SEP accounts 0.20% 0.20%

IRA and HSA Certificates

Includes Traditional, Roth, Coverdell, and SEP accounts. The minimum investment for an IRA certificate is $500.00. 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 and 6 month IRA's.) SEP Certificates not available in 3 month terms.

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

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