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Savings
Explore our savings accounts and watch your money grow.
Savings & Shares
You're on your way to meeting your savings goals the moment you open your HRCU membership. This interest-earning primary share savings account is a great way to save while giving you access to HRCU's exclusive membership benefits.
Club Account
Saving for something special, like a dream vacation or your future home? Or perhaps something less thrilling, like taxes or an emergency fund? A Club Account is the perfect solution to help you keep these savings separate from your everyday funds.
Money Market
With Money Market savings, your money works harder for you.
Effective Date: 10/7/2025
| Minimum Deposit | Dividend Rate | APY* | Minimum Balance to Earn APY |
|---|---|---|---|
| $5.00 | 0.05% | 0.05% | $5.00 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.
Effective Date: 10/7/2025
| Type | Minimum Deposit | Dividend Rate | APY* | Minimum Balance to Earn APY |
|---|---|---|---|---|
| Create-a-Club | $0.00 | 0.05% | 0.05% | $5 |
| Holiday Club | $0.00 | 0.05% | 0.05% | $5 |
| Home Heating Club | $0.00 | 1.98% | 2.00% | $5 |
| $1,000 | 0.05% | 0.05% | $1,000 | |
| DREAM Club Share** | $0.00 | 0.50% | 0.50% | $5 |
| $10,000 | 0.05% | 0.05% | $10,000 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Home Heating Club requires 1 withdrawal per year, or a fee of $25 will be incurred; if the account is closed within 1 year of opening a $25 fee will also be incurred. Christmas Club has a $5 penalty for early withdrawal. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.
**DREAM account assists account holder(s) with saving toward the purchase of a home. Must be 18 or older to establish account. Rate is subject to change without notice. Interest is paid monthly. Funds must be on deposit for a minimum of 6 months. A fee of $25.00 will be incurred if funds are withdrawn for purposes other than to pay fees associated with an HRCU mortgage application process. Qualifying form(s) required to waive fee. Qualifying forms: appraisal or inspection invoice. Lender credit limited to one credit per mortgage and borrower may only receive the credit once. Lender credit applied at time of loan closing with HRCU. To qualify for the lender credit the following eligibility requirements must be met: •Loan closed with HRCU (standard underwriting guidelines apply). •Home is primary residence. •Loan qualifies to be maintained in portfolio at HRCU; loans sold to the secondary market may not apply.
Effective Date: 10/7/2025
| Minimum Deposit | Dividend Rate | APY* | Minimum Balance to Earn APY |
|---|---|---|---|
| $0 | 0.05% | 0.05% | $0 |
| $2,500 | 0.50% | 0.50% | $2,500 |
| $10,000 | 0.50% | 0.50% | $10,000 |
| $25,000 | 0.60% | 0.60% | $25,000 |
| $50,000 | 0.75% | 0.75% | $50,000 |
| $100,000 | 1.49% | 1.50% | $100,000 |
| $250,000 | 1.74% | 1.75% | $250,000 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.
Effective Date: 10/7/2025
| Minimum Deposit | Dividend Rate | APY* | Minimum Balance to Earn APY |
|---|---|---|---|
| $0 | 0.10% | 0.10% | $5 |
| $2,500 | 0.30% | 0.30% | $2,500 |
| $10,000 | 0.55% | 0.55% | $10,000 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.
Honest advice and sound solutions
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