Certificates
Share Certificates
At HTIFCU, we make saving for the future simple and rewarding. Our Share Certificates offer competitive rates and flexible terms, so you can choose the best fit for your financial goals. With a minimum deposit of just $2,500, you’ll earn steady dividends that are compounded and credited 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.