Certificates

Rates are current as of January 1, 2018

 
Share/IRA Certificates
Certificate Type Annual Percentage Rate Annual Percentage Yield
3 month (90 days) 0.40% 0.40%
6 month (180 days) 0.60% 0.60%
1 year (365 days) 1.20% 1.20%
18 month (545 days) 1.25% 1.26%
2 year (730 days) 1.30% 1.31%
3 year (1095 days) 1.55% 1.56%
4 year ( 1460 days) 1.90% 1.91%
5 year (1825 days) 2.20% 2.22%
Jumbo Share & IRA Certificates (Above $75,000)
Certificate Type Annual Percentage Rate Annual Percentage Yield
3 month (90 days) 0.45% 0.45%
6 month (180 days) 0.65% 0.65%
1 year (365 days) 1.25% 1.25%
18 month (545 days) 1.30% 1.31%
2 year (730 days) 1.35% 1.36%
3 year (1095 days) 1.60% 1.61%
4 year ( 1460 days) 2.00% 2.01%
5 year (1825 days) 2.25% 2.27%

 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.