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 year0.45% $2,500.00 $2,500.00 Quarterly
2 years0.50% $2,500.00 $2,500.00 Quarterly
3 years0.55% $2,500.00 $2,500.00 Quarterly
4 years0.65% $2,500.00 $2,500.00 Quarterly
5 years0.70% $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 years0.45% $1,000.00 $1,000.00 Quarterly
2 years0.50% $1,000.00 $1,000.00 Quarterly
3 years0.55% $1,000.00 $1,000.00 Quarterly
4 years0.65% $1,000.00 $1,000.00 Quarterly
5 years0.70% $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.