Certificates

Rates are current as of October 1, 2018

 
Share/IRA Certificates
Certificate Type Annual Percentage Rate Annual Percentage Yield
3 month (90 days) 0.50% 0.50%
6 month (180 days) 0.80% 0.80%
1 year (365 days) 1.90% 1.92%
18 month (545 days) 2.00% 2.02%
2 year (730 days) 2.10% 2.12%
3 year (1095 days) 2.45% 2.48%
4 year ( 1460 days) 2.70% 2.73%
5 year (1825 days) 2.95% 2.99%
Jumbo Share & IRA Certificates (Above $75,000)
Certificate Type Annual Percentage Rate Annual Percentage Yield
3 month (90 days) 0.60% 0.60%
6 month (180 days) 0.85% 0.85%
1 year (365 days) 1.95% 1.97%
18 month (545 days) 2.05% 2.07%
2 year (730 days) 2.10% 2.12%
3 year (1095 days) 2.55% 2.58%
4 year ( 1460 days) 2.75% 2.78%
5 year (1825 days) 3.00% 3.04%

 All accounts are insured. Minimum deposit of $500 is required to open a Certificate of Deposit (CD). You may not make additional deposits after the account is open. APY assumes the principal and dividends remain on deposit until maturity. A penalty is imposed for early withdrawal. Penalty fees could reduce earnings on account. Certificate renews automatically. HRCU is federally insured by the National Credit Union Administration.