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Personal Savings Account Rates

For a limited time you can save big with our Flex 24 Certificate Account. Click the link to learn more about this account.


* APY=Annual Percentage Yield. FLEX 24 certificate accounts have a variable dividend rate and APY that may change quarterly, or four times per year. The APY is determined by
adding .75% to the Fed Funds Rate on the last day of each quarter. The dividend rate is subsequently calculated based on the indexed APY. The variable dividend rate and APY may be locked upon request any time during the first year of account opening. The locked dividend rate and APY remains a fixed rate for the duration of the term. One deposit up to a maximum of the original opening balance is permitted during the first year of account opening. APY is effective as of 04/01/2019. The minimum balance to open and earn the stated APY is $500. Fees or other conditions could reduce earnings on the account. Substantial penalty imposed for early withdrawal. FLEX 24 certificates will be offered for a limited time and may be withdrawn at any time.


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 0.05% 2 3 0.05% $5
HSA Checking 5 0.05% 2 3 0.05% $5

PaySmart Accounts

Account APY Dividend Rate Minimum to Open
PaySmart na 2 3 0% $25
Rates are accurate as of 05/23/2019 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 6
Preferred 0.25% 2 3 0.25% $20,000 6
Peak 0.35% 2 3 0.34% $50,000 6
Peak Plus 0.35% 2 3 0.34% $250,000 6
Rates are accurate as of 05/23/2019 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 0.25% 2 3 0.25% $500
6 Months 0.85% 2 3 0.84% $500
12 months 1.50% 2 3 1.48% $500
24 Months 1.75% 2 3 1.73% $500
36 Months 1.75% 2 3 1.73% $500
48 Months 1.80% 2 3 1.78% $500
60 months 2.05% 2 3 2.02% $500

Flex Certificate Accounts & Flex IRA Certificate Accounts

Account APY Dividend Rate Minimum to Open
12-Month Flex 2.72% 3 7 2.68% $750
FLEX 24 3.25% 8 3.19% $500

Save Smart Certificate Accounts

Account APY Dividend Rate Minimum to Open
8-Month 0.85% 2 3 0.84% $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 05/23/2019 and are subject to change without notice. APY = Annual Percentage Yield

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