Certificates

At HTIFCU, we know that saving for the future is important.  We offer a range of certificates so you can choose the term and rate that fits your needs best.  The types of certificates we offer, are:

 

 

Share Certificate Rates

Share TypeDividend Rate/Annual Percentage Yield (APY)Minimum Opening DepositMinimum Balance Required to Earn Stated APYDividends Compounded/ Credited
Share Certificates
1 year4.00%* $5,000.00 $5,000.00Quarterly
(New Monies)
2 years0.75% $2,500.00 $2,500.00 Quarterly
3 years0.80% $2,500.00 $2,500.00 Quarterly
4 years0.85% $2,500.00 $2,500.00 Quarterly
5 years1.00% $2,500.00 $2,500.00 Quarterly

IRA Certificates (Traditional, Roth & Education)

Term Dividend Rate/Annual Percentage Yield (APY)Minimum Opening DepositMinimum Balance Required to Earn Stated (APY)Dividends Compounded/Credited
1 years2.50% $5,000.00* $5,000.00 Quarterly
(New Monies)
2 years0.75% $1,000.00 $1,000.00 Quarterly
3 years0.80% $1,000.00 $1,000.00 Quarterly
4 years0.85% $1,000.00 $1,000.00 Quarterly
5 years1.00% $1,000.00 $1,000.00 Quarterly

Credit Builder Certificate

TermDividend Rate/Annual Percentage Yield (APY)Minimum Opening DepositMinimum Balance Required to Earn Stated (APY)Dividends Compounded/Credited
1 - 5 years2.00% $1,000.00 $1,000.00 Quarterly

*Federally insured by NCUA.