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.

View Our Rates & Specials Here

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.