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 |
0.90% |
0.90% |
$50,000 to $74,999 |
Gold-1 |
1.10% |
1.10% |
$75,000 to $99,999 |
Gold-1 |
1.25% |
1.25% |
$100,000 to $249,999 |
Gold-1 |
2.25% |
2.25% |
$250,000 and up |
IRA Accumulator |
0.35% |
0.35% |
No Minimum |
*Annual Percentage Yield. Dividends on Share and Holiday and Vacation Accounts are paid quarterly; Gold 1 and IRAs are paid monthly. Earnings on Holiday accounts could be reduced for early withdrawal. Rates subject to change without prior notice. Federally Insured by NCUA.
Certificate and IRA Certificate Rates
Term |
Dividend Rate |
APY* |
3 Months |
1.00% |
1.00% |
6 Months |
2.50% |
2.50% |
1 Year |
2.25% |
2.25% |
1.5 Year |
2.00% |
2.00% |
2 Year |
2.00% |
2.00% |
2.5 Year |
2.75% |
2.75% |
3 Year |
2.75% |
2.75% |
5 Year |
2.50% |
2.50% |
*Annual Percentage Yield. A $2,500 minimum deposit is required to earn stated dividend rates and yields on certificates. Penalty for early withdrawal from certificates varies according to maturity. Please contact a Member Service Representative for details. Rates subject to change without prior notice. Federally Insured by NCUA.
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.