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Business Savings & CDs
Checking that fits your business so you can focus on what you do best.
*Fees may apply.
Business Savings
Start building your business savings with a simple, flexible account designed to support your financial goals.
Money Market
Put your business funds to work with a higher rate of return and easy access when you need it.
Certificates of Deposit
Lock in a great rate and grow your business savings with confidence.
Deposit Insurance
Your money is safe with HRCU, backed by both federal and private insurance.
Health Savings Account (HSA)
Choose a smarter way to manage healthcare spending. Earn tax-free interest on your Health Savings Checking Account (HSA) to cover qualified medical expenses. With no opening or monthly fees and a high-interest rate, it’s a great choice. Available to those with a high-deductible health plan.
Qualified out-of-pocket medical expenses include:
2025 HSA Annual Contribution Limits:
To be eligible for HSA, owner must have a qualified, high deductible health insurance plan.
Annual contribution limits are determined by the Internal Revenue Service (IRS).
Funds withdrawn for non-qualified expenses will be taxed at your income-tax rate, plus a 20% tax penalty if under the age of 65.
The IRS states that a negative balance in your HSA account is prohibited by federal law. This means that you cannot have any transaction, fee or charge that causes your HSA account to have a negative balance. It is extremely important that you do not overdraw your HSA account.
We encourage you to set up an account balance alert on your HSA account to help effectively manage your account and avoid a negative balance. By opening an HRCU HSA, you agree to immediately deposit sufficient funds to eliminate any negative balance should that situation occur, and also authorize HRCU to transfer funds from any other HRCU account in which you have an interest, to create a non-negative balance in the HSA checking account.
If you do not correct a negative account balance immediately, The IRS will consider your account in a prohibited state and by law HRCU must close your account. According to the Internal Revenue Code, if an HSA account results in a negative balance, the HSA will cease to be an HSA on the first day of the year in which the prohibited transaction occurred, thus becoming taxable.
Effective Date: 10/7/2025
| Type | Minimum Deposit | Dividend Rate | APY* | Minimum Required to Earn APY |
|---|---|---|---|---|
| Business Savings | $5 | 0.05% | 0.05% | $15 |
*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: 6/20/2025
| Type | Minimum Deposit | Dividend Rate | APY* | Minimum Required to Earn APY |
|---|---|---|---|---|
| Business Money Market | $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: 8/25/2025
| Type | Minimum Deposit | Dividend Rate | APY* | Minimum Required to Earn APY |
|---|---|---|---|---|
| 3 Month - Special Offer | $1,000 | 3.20% | 3.25% | $1,000 |
| 6 Month | $500 | 1.09% | 1.10% | $500 |
| 11 Month - Special Offer | $500 | 3.93% | 4.00% | $500 |
| 12 Month | $500 | 1.24% | 1.25% | $500 |
| 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. Withdrawals, 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.
Everything a Business Expects from a Credit Union...and More!
Your smart solution for everyday business expenses.
From real estate to equipment, we've got you covered.
Build your financial cushion with competitive business savings.
Support your employees with smart health savings options.
When life gets busy, bank on your own schedule with HRCU's mobile and online banking.
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