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Savings/Certificate Rates

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Rates effective as of Nov 1, 2016.

 

Share Accounts

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

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 0.20% 0.20%
Life Savings Account** 0.00% 0.00%
Money Market** and Investment Shares $2,500 $4,999 0.20% 0.20%
$5,000 $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 $249,999 0.30% 0.30%
$250,000 0.30% 0.30%

Draft Accounts

Fees may reduce earning on Premier Accounts.

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%

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% 0.25% 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 0.60% 0.60% 0.65% 0.65% 0.70% 0.70% 0.75% 0.75%
24 Month 0.90% 0.90% 0.95% 0.95% 1.00% 1.00% 1.05% 1.05%
36 Month 1.31% 1.30% 1.36% 1.35% 1.41% 1.40% 1.46% 1.45%
48 Month 1.61% 1.60% 1.66% 1.65% 1.71% 1.70% 1.76% 1.75%
60 Month 1.91% 1.90% 1.96% 1.95% 2.02% 2.00% 2.07% 2.05%

Add On Certificates

*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. 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 0.90% 0.90% 0.95% 0.95% 1.00% 1.00% 1.05% 1.05%

* 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