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CDs and IRAs
Limited Time Offer
Save more with our special 6.03% CD rate.
With all the benefits of banking with a local credit union.
Start celebrating smarter savings today and see why more of your neighbors are choosing HRCU.
*APY = Annual Percentage Yield. Promotional term and rate valid for a limited time only. Minimum opening balance for the special 6.03% APY share certificate is $500, and maximum opening balance is $2,000. Maximum of one (1) 7-month special share certificate allowed per social security number. Promotional term is not available through HRCU’s Online or Mobile Banking platforms. Must qualify for membership at HRCU. APY is subject to change, however, will remain in effect for the term of the certificate once opened. Penalties may be incurred for early withdrawals. HRCU reserves the right to adjust or end the offering of this 7-month special share certificate at any time.
Certificates of Deposit
Whether you're saving for a big goal or strengthening your financial safety net, our CDs provide a dependable path to financial success. They combine security, competitive interest rates, and peace of mind. Lock your funds for a fixed term, then watch your savings grow steadily and consistently.
Individual Retirement Accounts (IRAs)
Save for the future with one of our dependable retirement accounts and be confident knowing your money will be waiting for you when you need it.
Not sure which option fits your needs? We're here to help you explore your choices and find what works best for you.
1The information provided here is for general informational purposes only and does not constitute financial or accounting advice. We recommend consulting with a qualified financial or accounting professional for guidance tailored to your individual circumstances.
Peace of mind for your deposits.
Rest easy knowing your deposits are fully insured with coverage up to $500,000.
HRCU members can feel confident knowing their deposits are protected by the National Credit Union Administration (NCUA), a U.S. government agency that insures funds at federally insured credit unions. On top of that, HRCU partners with Excess Share Insurance (ESI) to provide additional coverage, giving you extra peace of mind that your savings are safe and secure.
Effective Date: 6/12/2026
| Type | Minimum Deposit | Dividend Rate | APY* | Minimum Required to Earn APY |
|---|---|---|---|---|
| 3-Month Special | $1,000 | 3.20% | 3.25% | $1,000 |
| 6-Month | $500 | 1.09% | 1.10% | $500 |
| 7-Month Special** | $500 ($2,000 maximum) | 5.87% | 6.03% | $500 |
| 11-Month Special | $500 | 3.69% | 3.75% | $500 |
| 12-Month | $500 | 1.24% | 1.25% | $500 |
| i$ave: 12-Month (ages 18 & under only) | $100 ($10,000 maximum) | 1.34% | 1.35% | $100 |
| 18-Month | $500 | 1.49% | 1.50% | $500 |
| 24-Month | $500 | 1.74% | 1.75% | $500 |
| 36-Month | $500 | 1.98% | 2.00% | $500 |
| 48-Month | $500 | 2.47% | 2.50% | $500 |
| 60-Month | $500 | 2.72% | 2.75% | $500 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. Certificate Rates are subject to change without notice; however, the rate will remain in effect for the term of the certificate once opened. Penalties may be incurred for early withdrawals. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. IRA deposits are fully insured up to $500,000; $250,000 by the NCUA and $250,000 by Excess Share Insurance. Withdrawals, maintenance, or activity fees could reduce the earnings on the account.
**APY = Annual Percentage Yield. 6.03% APY 7-Month Certificate of Deposit promotional term and rate valid for a limited time only. Minimum opening balance for the special 6.03% APY share certificate is $500, and maximum opening balance is $2,000. Maximum of one (1) 7-month special share certificate allowed per social security number. Promotional term is not available through HRCU’s Online or Mobile Banking platforms. Must qualify for membership at HRCU. APY is subject to change, however, will remain in effect for the term of the certificate once opened. Penalties may be incurred for early withdrawals. HRCU reserves the right to adjust or end the offering of this 7-month special share certificate at any time.
Effective Date: 6/12/2026
| Minimum Deposit | Dividend Rate | APY* | Minimum Balance to Earn APY |
|---|---|---|---|
| $500 | 0.15% | 0.15% | $500 |
| $25,000 | 0.25% | 0.25% | $25,000 |
| $50,000 | 0.30% | 0.30% | $50,000 |
| $100,000 | 0.35% | 0.35% | $100,000 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. IRA deposits are fully insured up to $500,000; $250,000 by the NCUA and $250,000 by Excess Share Insurance. Withdrawals, maintenance, or activity fees could reduce the earnings on the account.
**IRA Certificates also available by contacting Member Support.
Everything You Expect from Your Credit Union...and More!
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