EARN MORE THAN EVER.

FOR LONGER THAN EVER.

Earn Up To

APY*

for 18 Months

OR

APY*

for 24 Months

Lock In a Great Rate!

Earn up to 4.30% APY when you open an 18 Month Certificate or earn up to 4.40% APY when you open a 24 Month Certificate. 

It’s an easy way to maximize your earnings! Start earning & saving today!

Why Pick a 18 or 24 Month Certificate?

Whether you’re saving for a big future purchase, or are trying to stay ahead of holidays, birthdays & festivities in the not so distant future, earn more than ever!

• Short-Term Flexibility
• Enjoy the benefit of a fixed return without locking up your money long term
• Competitive Earnings
• Take advantage of a strong promotional and competitive rate
• Simple Opening Process
• Get started with as little as $500

How to Qualify

Standard 18 or 24 Month Certificate Offer

• Open a 18 or 24 Month Certificate
• Minimum to open is $500
• Earn 4.30% or 4.40% APY depending on your desired term

Frequently Asked Questions

What is considered “new money”?

New money refers to funds not currently on deposit at HFCU.

What is the minimum opening deposit?

HFCU certificates have a standard minimum to open of $500. 

Are there penalties for early withdrawal?

Yes. Early withdrawal penalties may apply and could reduce earnings.

*APY means Annual Percentage Yield. Members may choose either a 18-month or 24-month certificate term. The 4.30% APY is based on a 4.23% dividend rate and applies to the 18-month term. The 4.40% APY is based on a 4.33% dividend rate and applies to the 24-month term. Minimum certificate opening deposit is $500. Additional deposits are not permitted after opening. Dividends may be withdrawn without penalty at quarter end. Principal withdrawals before maturity are subject to an early withdrawal penalty. IRA certificate withdrawals are not permitted and may be subject to penalty; IRA dividends may be withdrawn subject to penalty. Automatically renewing certificates have a 10-day grace period after maturity to withdraw funds or make changes without penalty. The special certificate renews into HFCU’s standard certificate product for the applicable term then offered, unless otherwise disclosed. Early withdrawal penalties are 90 days’ dividends for 1–12 month terms, 180 days’ dividends for 13–23 month terms, 365 days’ dividends for 24–36 month terms, and 540 days’ dividends for 37–60 month terms, whether or not dividends have been earned or accrued. Fees could reduce earnings. Rates may change before account opening. Limited-time offer; may be withdrawn at any time. Available for personal and business accounts, including IRA and Coverdell Education Savings accounts, subject to eligibility.

18 Month Effective 10/22/2026, 24 Month Effective 10/22/2026

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