APY

(1)

EARN

When you open a 7 Month Certificate

SHORT TERM. BIG STACK.

Open a 7 Month Certificate today and watch your savings grow! 

What is a Certificate?

A certificate is a savings product that earns interest on a lump sum for a set period of time. 

At HFCU, terms range from 6 to 60 months. Unlike a regular savings account, your funds must stay in the certificate for the entire term. Early withdrawals may result in penalties or lost interest.

When your term ends, you’ll have 10 days to withdraw your money or roll it into a new certificate. Certificates typically offer higher interest rates than standard savings accounts, helping your money grow faster.

Check out our current rates! Submit the form above for more information or call us at 845.561.5607 to speak with a team member today.

^{1APY is the Annual Percentage Yield. The 7 month certificate at 4.00% fixed APY is based on a dividend rate of 3.94%. The minimum to open the account and earn the stated APY is $500. Withdrawals, maintenance or activity fees will reduce stated earnings. Withdrawals of principal will result in a penalty equal to 90 days of dividends for certificates with maturities of 11 months or less. 180 days dividends for a 12 to 23 month certificate and a penalty equal to 365 days dividends for the 24 month and 36 month certificates. Certificates with maturities of 48 months to 60 months are subject to a penalty equal to 540 days. This penalty is applied whether or not the dividends have been accrued. For accounts that automatically renew for another term, you have a grace period of 10 days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. The rates are subject to change at any time. This is a limited-time offer and may be withdrawn at any time. This offer is available for personal or business purposes, IRA, and Coverdell Education Savings accounts.}

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