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.