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Savings 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 0.15% 2 3 0.15% $5

Holiday Club Accounts

Account APY Dividend Rate Minimum to Open
Holiday Club 4 0.15% 2 3 0.15% $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 11/15/2018 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 0.20% 2 3 0.20% $20,000 6
Peak 0.25% 2 3 0.25% $50,000 6
Peak Plus 0.35% 2 3 0.34% $250,000 6
Rates are accurate as of 11/15/2018 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 0.70% 2 3 0.69% $500
12 months 1.25% 2 3 1.24% $500
24 Months 1.60% 2 3 1.58% $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 2.47% 3 7 2.44% $750

Save Smart Certificate Accounts

Account APY Dividend Rate Minimum to Open
8-Month 0.70% 2 3 0.69% $250

IRA Savings

Account APY Dividend Rate Minimum to Open
Traditional, Roth, & Coverdell Education Savings 0.15% 2 3 0.15% $5
Rates are accurate as of 11/15/2018 and are subject to change without notice. APY = Annual Percentage Yield

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