Certificates

HTIFCU

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 Type
				Dividend Rate/Annual Percentage Yield (APY)
				Minimum Opening Deposit
				Minimum Balance Required to Earn Stated APY
				Dividends Compounded/ Credited
			

		
				1-Year
				4.00%*
				$5,000
				$5,000
				Quarterly
(New Monies)
			

				2-Year
				0.75%
				$2,500
				$2,500
				Quarterly
			

				3-Year
				0.80%
				$2,500
				$2,500
				Quarterly
			

				4-Year
				0.85%
				$2,500
				$2,500
				Quarterly
			

				5-Year
				1.00%
				$2,500
				$2,500
				Quarterly
			

	

IRA Certificates (Traditional, Roth & Education)

	
		
				Term
				Dividend Rate/Annual Percentage Yield (APY)
				Minimum Opening Deposit
				Minimum Balance Required to Earn Stated APY
				Dividends Compounded/ Credited
			

		
				1-Year
				2.50%**
				$5,000*
				$5,000
				Quarterly
(New Monies)
			

				2-Year
				0.75%**
				$1,000
				$1,000
				Quarterly
			

				3-Year
				0.80%**
				$1,000
				$1,000
				Quarterly
			

				4-Year
				0.85%**
				$1,000
				$1,000
				Quarterly
			

				5-Year
				1.00%**
				$1,000
				$1,000
				Quarterly
			

	

Credit Builder Certificate

	
				Term
				Dividend Rate/Annual Percentage Yield (APY)
				Minimum Opening Deposit
				Minimum Balance Required to Earn Stated APY
				Dividends Compounded/ Credited
			
				1-5 Year
				2.00%**
				$1,000
				$1,000
				Quarterly

*Federally insured by NCUA.