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Savings Rates

AccountDVR1APY2
Share (Savings)30.10%0.10%
Holiday Club0.10%0.10%
Vacation Club0.10%0.10%
Special Savings0.10%0.10%
Experience Checking40.10%0.10%
HD Checking52.50%2.53%
1 Dividend Rate 2Annual Percentage Yield 3 The minimum opening deposit amount is $10. Minimum $25 to earn dividends. Dividends paid quarterly. The minimum daily balance to earn posted dividends on a savings for an account with the primary account holder over the age of 25 is $500 4Experience Checking is for members age 50+ and a $1000 minimum balance is required to earn dividends. Certificates held by Experience Members earn 10 basis points over the current certificate rate upon renewal 5No minimum balance requirement. Account will earn this APY if the following requirements are met during the statement cycle: a minimum Avg. Daily Balance of $1,000, $250 or more signature-based Debit Card transactions posted to your account within the calendar month, one electronic (ACH) deposit, Online Banking, eStatements, and BillPayer. No dividends will be paid on any portion of the Avg. Daily Balance above $25,000. APY is accurate as of 09/01/2018. All services must be on the same account as the HD Checking Account. Fees may reduce earnings. Rates and terms subject to change without notice, contact the Credit Union for details.

Money Market Rates

Money MarketDVR1APY2
< $25,0000.40%0.40%
$25,000-$49,999.990.60%0.60%
$50,000-$99,999.990.80%0.80%
$100,000+1.00%1.00%
1Dividend Rate. Rates subject to change without notice and fees may reduce earnings. Dividend rates are variable and may change after an account is opened. Dividends are calculated on the average daily balance of $2,000 or more and credited monthly. 2Annual Percentage Yield. Note: $2,000 minimum deposit required to earn dividends. Rate applies to the portion of your balance within tier. Minimum draws are $500. If there is a draw below $500, a fee may apply.

Share Certificate Rates

Minimum Deposit $1,000

TermDVR1APY2
6 Month1.40%1.41%
7 Month1.45%1.46%
8 Month1.50%1.51%
9 Month1.55%1.56%
10 Month1.60%1.61%
11 Month1.65%1.66%
12 Month1.70%1.71%
13 Month1.80%1.82%
15 Month1.90%1.92%
18 Month2.00%2.02%
24 Month2.10%2.12%
30 Month2.20%2.22%
36 Month2.50%2.53%
48 Month2.70%2.73%
60 Month2.75%2.78%
Share Certificates may be opened with $1,000 minimum deposit. 2APY= Annual Percentage Yield. 1DVR = Dividend Rate. All rates subject to change without notice. Penalty may be applied for early withdrawals. Federally Insured by the NCUA.

Minimum Deposit $75,000

TermDVR1APY2
6 Month1.50%1.51%
7 Month1.55%1.56%
8 Month1.60%1.61%
9 Month1.65%1.66%
10 Month1.70%1.71%
11 Month1.75%1.76%
12 Month1.80%1.81%
13 Month1.90%1.92%
15 Month2.00%2.02%
18 Month2.10%2.12%
24 Month2.20%2.22%
30 Month2.30%2.32%
36 Month2.60%2.63%
48 Month2.80%2.84%
60 Month2.85%2.89%
Share Certificates may be opened with $1,000 minimum deposit. 2APY= Annual Percentage Yield. 1DVR = Dividend Rate. All rates subject to change without notice. Penalty may be applied for early withdrawals. Federally Insured by the NCUA.

Minimum Deposit $125,000

TermDVR1APY2
6 Month1.55%1.56%
7 Month1.60%1.61%
8 Month1.65%1.66%
9 Month1.70%1.71%
10 Month1.75%1.76%
11 Month1.80%1.81%
12 Month1.85%1.87%
13 Month1.95%1.97%
15 Month2.05%2.07%
18 Month2.15%2.17%
24 Month2.25%2.27%
30 Month2.35%2.38%
36 Month2.65%2.68%
48 Month2.85%2.89%
60 Month2.90%2.94%
Share Certificates may be opened with $1,000 minimum deposit. 2APY= Annual Percentage Yield. 1DVR = Dividend Rate. All rates subject to change without notice. Penalty may be applied for early withdrawals. Federally Insured by the NCUA.

 

IRA Rates

Minimum Deposit $5

TermDVR1APY2
6 Month1.40%1.41%
7 Month1.45%1.46%
8 Month1.50%1.51%
9 Month1.55%1.56%
10 Month1.60%1.61%
11 Month1.65%1.66%
12 Month1.70%1.71%
13 Month1.80%1.82%
15 Month1.90%1.92%
18 Month2.00%2.02%
24 Month2.10%2.12%
30 Month2.20%2.22%
36 Month2.50%2.53%
48 Month2.70%2.73%
60 Month2.75%2.78%
IRA Certificate may be opened with $5 minimum deposit. 2APY= Annual Percentage Yield. 1DVR = Dividend Rate. All rates subject to change without notice. Penalty may be applied for early withdrawals. Federally Insured by the NCUA.

Minimum Deposit $75,000

TermDVR1APY2
6 Month1.50%1.51%
7 Month1.55%1.56%
8 Month1.60%1.61%
9 Month1.65%1.66%
10 Month1.70%1.71%
11 Month1.75%1.76%
12 Month1.80%1.81%
13 Month1.90%1.92%
15 Month2.00%2.02%
18 Month2.10%2.12%
24 Month2.20%2.22%
30 Month2.30%2.32%
36 Month2.60%2.63%
48 Month2.80%2.84%
60 Month2.85%2.89%
IRA Certificate may be opened with $5 minimum deposit. 2APY= Annual Percentage Yield. 1DVR = Dividend Rate. All rates subject to change without notice. Penalty may be applied for early withdrawals. Federally Insured by the NCUA.

Minimum Deposit $125,000

TermDVR1APY2
6 Month1.55%1.56%
7 Month1.60%1.61%
8 Month1.65%1.66%
9 Month1.70%1.71%
10 Month1.75%1.76%
11 Month1.80%1.81%
12 Month1.85%1.87%
13 Month1.95%1.97%
15 Month2.05%2.07%
18 Month2.15%2.17%
24 Month2.25%2.27%
30 Month2.35%2.38%
36 Month2.65%2.68%
48 Month2.85%2.89%
60 Month2.90%2.94%
IRA Certificate may be opened with $5 minimum deposit. 2APY= Annual Percentage Yield. 1DVR = Dividend Rate. All rates subject to change without notice. Penalty may be applied for early withdrawals. Federally Insured by the NCUA.

*Be advised: Rates and fees advertised on third-party websites may not be accurate. The Credit Union does not have control over any third party site that attempts to replicate our rate and fee charts and we do not honor rates posted on such websites.