Special 36-Month Certificate Account
Take advantage of our unique 36-month certificate account, which includes two potential APY increases** in April 2018 and April 2019. Save with confidence in a rising interest rate environment. Lock in a great rate – and it may automatically increase later so you can earn even more. Additionally, our 36-month certificate account has a minimum opening balance of just $500.
Other Certificate Account Options Available
If you have additional funds or prefer a shorter term, check out our 12 and 24-month certificate accounts. Like the 36-month certificate account, they also have a minimum opening balance of $500.
Open a Certificate Account
There’s no reason to wait – open your certificate account online, at any branch, or call 845.463.3011.
- Existing Internet Banking users can open their account by selecting the "Open Account/Apply for Loan" link from the "Additional Services" menu.
- Non-Internet Banking users can apply through our online account opening system. You'll need to create a username and password the first time you use the system.
Submit Your Certificate Account Instructions Online
Have a certificate account that is renewing? You can submit your renewal instructions online
in just a few minutes.
* APY = Annual Percentage Yield. Substantial penalty for early withdrawal. Fees may reduce earnings. Rate effective beginning 4/6/17 and is subject to withdrawal at any time. Higher rate for balances of $50,000 and higher not available with this offer. 2.25% APY valid for 36-month Certificate Account. $500 minimum opening balance.
** There are two potential APY increases during the life of the 36-month certificate account. If on 4/1/18, the Fed Funds rate is 1.50% or higher, HVFCU will automatically initiate an APY rate increase to your certificate account of .25%. If on 4/1/19, the Fed Funds rate is 2.00% or higher, HVFCU will automatically initiate an additional APY increase to your certificate account of .25%. If on either date, 4/1/18 or 4/1/19, the Fed Funds rate is not higher than 1.50% or 2.00% respectively, your original rate will not decrease. Your maturity date will remain the same. All other certificate account terms are excluded from the potential APY increases.