Savings & IRA Rates
|
Type of Account |
Dividend Rate |
APY* |
Minimum Balance |
|
Share |
0.01% |
0.01% |
$100 to earn dividends |
|
Holiday & Vacation |
0.05% |
0.05% |
$100 to earn dividends |
|
Gold-1 |
0.20% |
0.20% |
$2,500 to $9,999 |
|
Gold-1 |
0.25% |
0.25% |
$10,000 to $24,999 |
|
Gold-1 |
0.75% |
0.75% |
$25,000 to $49,999 |
|
Gold-1 |
1.00% |
1.01% |
$50,000 to $74,999 |
|
Gold-1 |
1.50% |
1.51% |
$75,000 to $99,999 |
|
Gold-1 |
2.00% |
2.02% |
$100,000 to $249,999 |
|
Gold-1 |
3.00% |
3.05% |
$250,000 and up |
|
IRA Accumulator |
0.35% |
0.35% |
No Minimum |
Certificate and IRA Certificate Rates
|
Term |
Dividend Rate |
APY* |
|
3 Months |
1.00% |
1.00% |
|
6 Months |
2.50% |
2.53% |
|
7 Month Special** |
4.02% |
4.10% |
|
1 Year |
2.25% |
2.27% |
|
1.5 Year |
2.00% |
2.02% |
|
2 Year |
2.00% |
2.02% |
|
2.5 Year |
2.75% |
2.78% |
|
3 Year |
2.75% |
2.78% |
|
5 Year |
2.50% |
2.53% |
Jumbo Certificate rates are available for amounts over $100,000. Please call us at 860•527•6663 for rates and additional information.
A $25,000 minimum deposit is required to earn stated yield. At maturity, the 7-month promotional certificate will roll into a 6-month non-promotional certificate at the then-current rate. Early withdrawal penalties apply. This promotional offer cannot be combined with any other offers. All rates and offers are subject to change or end at any time without notice. Other conditions may apply.
Schedule of Fees
|
September 1, 2024 |
|
ACCOUNT FEES |
|
|
Main share below $50 |
$ 5.00 per month |
|
Inactive fee (1 yr. no activity) |
$ 10.00 per month |
Prestige Account
(if combined non-certificate share balances are below $5,000) |
$ 15.00 per month |
Business Checking Accounts
(if checking balance is below $5,000) |
$ 10.00 per month |
|
Premature withdrawal or closure of Holiday Account |
$ 1.00 |
|
2nd Chance Checking |
$ 5.00 per month |
|
Reopening of a main share account within a 12 month period from closure |
$ 10.00 |
|
Closing a main share account within 3 months of opening |
$ 20.00 |
|
Returned deposited check |
$ 20.00 |
|
Insufficient funds or Courtesy Pay |
$ 35.00 |
|
Student Checking Insufficient Funds |
$10.00 |
|
IRA Minimum Balance Fee (if IRA balance is below $500) |
$2.00 per month |
|
EFT FEES |
|
|
Non-HFCU ATM withdrawal or transfer |
$ 1.00 |
|
Non-HFCU ATM balance inquiry |
$ .50 |
|
Card replacement: Debit or ATM Card replacement |
$ 15.00 |
|
SERVICE FEES |
|
|
Money order |
$ 3.00 |
|
Official check |
$ 5.00 |
|
Certified check |
$ 15.00 |
|
Wire transfer – outgoing domestic |
$ 25.00 |
|
Wire transfer – outgoing international |
$ 40.00 |
|
Wire transfer - incoming |
$ 10.00 |
|
Inactive Bill Payer fee (no activity during month) |
$ 5.00 per month |
|
IRA Transfer fee |
$ 50.00 |
|
Photocopy of statement or check |
$ 5.00 |
|
Undeliverable statement |
$ 5.00 |
|
e-Statement fee |
FREE |
|
Paper statement fee |
$ 2.00 each |
|
Stop payment |
$ 25.00 |
|
Automatic transfer (savings overdraft protection) |
$ 5.00 |
|
Check handling fee |
$ 5.00 |
|
Duplicate release fee |
$ 50.00 |
|
Research or account reconciliation |
$ 50.00 per hour |
|
Processing levies, garnishments, executions & subpoenas |
$ 75.00 |
|
Processing subordinations |
$175.00 |
|
Major account reconstruction |
$ 50.00 per hour |
|
Non-member check cashing fee |
$10.00 |
All fees subject to change.