Calculate payments and more with our Financial Calculators.

HRCU offers a wide variety of accounts with competitive rates and high yield returns.

Checking Accounts

Effective Date: Sunday, December 10, 2017

Minimum Deposit Rate APY* Minimum Required to Earn APY
Free Checking $0 0% 0% N/A How to Open
Regular Checking $100 .10% .10% $100 How to Open
Health Savings Checking Account $0 1.00% 1.00% $5 How to Open
$2,500 1.49% 1.50% $2,500 How to Open
$10,000 1.98% 2.00% $10,000 How to Open
Elements of Checking $0 0% 0% N/A How to Open
Free Business Checking $0 0% 0% N/A How to Open
Additional Business Checking $500 0% 0% $500 How to Open

*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. Penalty for early withdrawal applies to Certificates of Deposit. 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. Maintenance or activity fees could reduce the earnings on the account.

Savings Accounts

Effective Date: Sunday, December 10, 2017

Minimum Deposit Rate APY* Minimum Required to Earn APY
Regular Shares $5 .05% .05% $5 How to Open
Elements of Savings $5 1.98% 2.00% $5 How to Open
$1,000 .05% .05% $1,000 How to Open
M3 Money Club $5 1.98% 2.00% $5 How to Open
$1,000 .05% .05% $1,000 How to Open

*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. Penalty for early withdrawal applies to Certificates of Deposit. 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. Maintenance or activity fees could reduce the earnings on the account.

Club Accounts

Effective Date: Sunday, December 10, 2017

Minimum Deposit Rate APY * Minimum Required to Earn APY
Create-A-Club $0 .05% .05% $5 How to Open
Christmas Club $0 .05% .05% $5 How to Open
Home Heating Club $0 1.98% 2.00% $5 How to Open
$1,000 .05% .05% $1,000 How to Open

*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. 

Money Market Accounts

Effective Date: Sunday, December 10, 2017

Minimum Deposit Rate APY * Minimum Required to Earn APY
Personal Money Market $2,500 .10% .10% $2,500 How to Open
$10,000 .20% .20% $10,000 How to Open
$25,000 .30% .30% $25,000 How to Open
$50,000 .40% .40% $50,000 How to Open
$100,000 .50% .50% $100,000 How to Open
Business Money Market $25,000 .30% .30% $25,000 How to Open
$50,000 .40% .40% $50,000 How to Open
$100,000 .50% .50% $100,000 How to Open

*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. Penalty for early withdrawal applies to Certificates of Deposit. 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.Maintenance or activity fees could reduce the earnings on the account.

Certificates of Deposit

Effective Date: Sunday, December 10, 2017

Minimum Deposit Rate APY* Minimum Required to Earn APY
6 Month ** $500 .30% .30% $500 How to Open
12 Month ** $500 .60% .60% $500 How to Open
i$ave: 12 Month (Ages 18 & Under Only) $100 ($10,000 maximum) .70% .70% $100 How to Open
Special 15 Month ** $500 1.59% 1.60% $500 How to Open
18 Month ** $500 .65% .65% $500 How to Open
24 Month ** $500 1.00% 1.00% $500 How to Open
Special 30 Month ** $500 2.08% 2.10% $500 How to Open
36 Month ** $500 1.34% 1.35% $500 How to Open
48 Month ** $500 1.59% 1.60% $500 How to Open
60 Month ** $500 1.98% 2.00% $500 How to Open

*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. Penalty for early withdrawal applies to Certificates of Deposit. 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. Maintenance or activity fees could reduce the earnings on the account. **IRA Certificates also available by seeing a member services representative.

Individual Retirement Accounts

Effective Date: Sunday, December 10, 2017

Minimum DepositRateAPY *Minimum Required to Earn APY
Individual Retirement Accounts$500.50%.50%$500How to Open

*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. Penalty for early withdrawal applies to Certificates of Deposit. 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. Maintenance or activity fees could reduce the earnings on the account. **IRA Certificates also available.