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Personal Savings Account Rates

Jumbo Certificate Accounts and Jumbo IRA Certificate Accounts are available for amounts of $50,000 or more. Jumbo Certificate Accounts and Jumbo IRA Certificate Accounts with a minimum balance of $50,000 or more earn the stated APYs below plus .05%. Jumbo Certificate Accounts and Jumbo IRA Certificate Accounts with a minimum balance of $100,000 or more earn the stated APY plus .10%.

You can open savings, checking, tiered money market, and certificate accounts online via transfer from an account at another financial institution or an existing HVFCU savings or checking account.

Savings & Checking

Savings Accounts

Account APY Dividend Rate Minimum to Open
Savings 1 0.10% 2 3 0.10% $5

College Savings

Account APY Dividend Rate Minimum to Open
College Savings 0.10% 2 3 0.10% $5

Mortgage Savings

Account APY Dividend Rate Minimum to Open
Mortgage Savings 0.10% 2 3 0.10% $100

Holiday Club Accounts

Account APY Dividend Rate Minimum to Open
Holiday Club 4 0.10% 2 3 0.10% $5

Checking Accounts

Account APY Dividend Rate Minimum to Open
Checking, Teen Checking, & HSA Checking Accounts 0.05% 2 3 0.05% $0

PaySmart Accounts

Account APY Dividend Rate Minimum to Open
PaySmart na 2 3 0% $25
Rates are accurate as of 09/12/2019 and are subject to change without notice. APY = Annual Percentage Yield

Tiered Money Market

Tiered Money Market Accounts

Account APY Dividend Rate Minimum to Open
Regular 0.11% 2 3 0.11% $1,000 5
Preferred 0.25% 2 3 0.25% $20,000 5
Peak 0.35% 2 3 0.34% $50,000 5
Peak Plus 0.35% 2 3 0.34% $250,000 5
Rates are accurate as of 09/12/2019 and are subject to change without notice. APY = Annual Percentage Yield

Certificate Accounts & IRAs

Certificate Accounts & IRA Certificate Accounts

Account APY Dividend Rate Minimum to Open
3 Months 0.20% 2 3 0.20% $500
6 Months 0.65% 2 3 0.64% $500
12 months 1.30% 2 3 1.29% $500
24 Months 1.45% 2 3 1.44% $500
36 Months 1.55% 2 3 1.53% $500
48 Months 1.65% 2 3 1.63% $500
60 months 1.85% 2 3 1.83% $500

Flex Certificate Accounts & Flex IRA Certificate Accounts

Account APY Dividend Rate Minimum to Open
12-Month Flex 2.38% 3 6 2.35% $750

Save Smart Certificate Accounts

Account APY Dividend Rate Minimum to Open
8-Month 0.65% 2 3 0.64% $250

IRA Savings

Account APY Dividend Rate Minimum to Open
Traditional, Roth, & Coverdell Education Savings 0.10% 2 3 0.10% $5
Rates are accurate as of 09/12/2019 and are subject to change without notice. APY = Annual Percentage Yield
RATES DISCLOSURES
1  Primary Savings Account requires $5 minimum balance.
2  Rates are accurate as of 09/12/2019 and are subject to change without notice.

APY=Annual Percentage Yield. HSA=Health Savings Account. Above are the Dividend Rate and APY for all savings, IRA savings, checking, tiered money market, and certificate accounts. The minimum balance to open a savings or IRA savings is $5.00. The minimum balance to open a Mortgage Savings account is $100. The minimum balance to open a PaySmart account is $25.00. The minimum balance to open a tiered money market account is $1,000. The minimum balance to open a certificate account or an IRA certificate account is $500. The minimum balance to open a jumbo certificate account or a jumbo IRA certificate account and earn the stated APY plus .05% is $50,000, or $100,000 to earn stated APY plus .10%. The minimum balance to open a Save Smart certificate account is $250. For savings, College Savings, Mortgage Savings, Holiday Club, IRA savings, checking, and tiered money market account Regular tier, there is no minimum balance required in order to earn the disclosed APY. A minimum daily balance of $20,000 for the Preferred money market tier, $50,000 for the Peak money market tier, and $250,000 for the Peak Plus money market tier must be maintained to earn the respective APYs. Please refer to the Truth in Savings Disclosure and Account Agreement to learn how a bonus can be paid on College Savings and Mortgage Savings accounts.
3  For all accounts, dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Fees or other conditions could reduce earnings on any of the listed accounts. A substantial penalty will be imposed for early withdrawals of certificate accounts. For purposes of this disclosure, these Dividend Rates and APYs are offered within the most recent seven calendar days and are accurate as of the date set forth in this page. All accounts are subject to the applicable terms and conditions set forth in the Truth in Savings Disclosure and Account Agreement, Disclosure and Account Agreement for Certificates and IRA Certificates, the Fee Schedule, and any agreement to which the Truth in Savings Disclosure and Account Agreement references.
4  Maturity date of Holiday Club Account is October 1.
5  A monthly fee of $10 is imposed if the daily balance on your money market account falls below $1,000.
6  APY=Annual Percentage Yield. Above is the Dividend Rate and variable APY for Flex Certificate Accounts and IRA Flex Certificate Accounts. The variable Dividend Rate and APY are effective 7/1/19 through 9/30/19. The minimum to open a 12-month term Flex Certificate Account or IRA Flex Certificate Account and earn the stated APY is $750. The APY is determined by adding .25% to the 3-month Treasury Bill auction investment rate on the last Thursday of each quarter. The dividend rate is subsequently calculated based on the indexed APY. Rate is subject to change after account opening. IRA and Jumbo Flex Certificate Accounts earn the same Dividend Rate and APY as regular Flex Certificate Accounts.
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