Flexibility

HFCU’s wide range of Savings Accounts provides you with the flexibility you need to help you prepare for your future financial wants and needs.

Savings

Certificate Accounts

Our Certificate Account is an investment account for members who want to earn a higher dividend rate and do not need immediate access to their funds. Except in certain circumstances, a substantial penalty for early withdrawal will apply. Our rates are reviewed and set weekly to ensure that our members receive the best rates.

HFCU’s Certificate Accounts are built with flexibility in mind. With different minimum amounts and terms, our Certificate Accounts may be the perfect fit for your financial goals.

HFCU’s Certificate Account Types:

Flexible-term Certificate

Key Features
$500 Minimum per share, 6 – 60 Months
Dividends may be compounded quarterly or paid monthly (to a different Share Account).

IRA Flexible-term Certificate

Key Features
$500 Minimum per share, 6 – 60 Months
Dividends may be compounded quarterly or paid monthly (to a different Share Account). Dividend rate is 12 basis points higher than regular Flexible-term Share Certificate.

Jumbo Flexible-term Certificate

Key Features
$100,000 Minimum per share, 6 – 60 Months
Dividends may be compounded quarterly or paid monthly (to a different Share Account). Dividend rate is 12 basis points higher than regular Flexible-term Share Certificate.

Short-term Certificate

Key Features
$7,500 Minimum per share, 7 – 91 Days
Dividends are paid at maturity date.

Share Certificate Rates Below Effective: March 21, 2017 through March 27, 2017

Share Certificate Accounts

Term Share IRA & Jumbo
Dividend Rate APY Dividend Rate APY
7 – 91 Days 0.300% 0.30% N/A N/A
6 – <12 Months 0.499% 0.50% 0.619% 0.62%
12 – <18 Months 0.599% 0.60% 0.718% 0.72%
18 – <24 Months 0.698% 0.70% 0.817% 0.82%
24 – <30 Months 0.996% 1.00% 1.115% 1.12%
30 – <36 Months 1.046 1.05% 1.165% 1.17%
36 – <48 Months 1.343% 1.35% 1.462% 1.47%
48 – <60 Months 1.492% 1.50% 1.610% 1.62%
>60 Months 1.887% 1.90% 2.005% 2.02%

APY = Annual Percentage Yield.
Rates are subject to change weekly.
$7,500 minimum investment for 7-91 day regular certificates.
$500 minimum investment for 6-60 month regular & IRA certificates.
$100,000 minimum investment for jumbo certificates.
Fees and other conditions could reduce the earnings on the account.