A CD is a safe, secure account that pays a higher rate of dividends than a savings account. Now, with only a $500 minimum deposit, you will receive HCCU's competitive dividend yields based on the CD terms (three to 60 months) thats right for you!

Dividend earnings are paid quarterly and can be distributed several ways:

• Deposited back into the CD account
• Deposited into the primary or secondary account
• Check issued on request

Youth CD

We now offer a Youth CD to our members ages 17 and under. This is a great way to start learning how to save at a young age.

Advantages of a Youth CD Include:

• $100 Minimum Opening Deposit
• Deposits will be accepted during the CD Term, which will also include Payroll Deduction Deposits
• Term of 12 months
• Automatic Renewal
• Same penalties as a regular CD will apply

Certificate of Deposit & IRA Certificate of Deposit Rates

*Annual Percentage Yield is accurate as of 12/30/2011.  These rates are subject to change at any time without prior notice.  After your certificate is opened, the dividend rate is fixed for the term.  A penalty is imposed for early withdrawals.  Fees could reduce the account earnings.

HCCU also offers Money Market accounts, Traditional and Roth Individual Retirement accounts.

Important Information About Opening a New Account:
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and any other information that will allow us to identify you. We may also retain a copy of your driver's license number or other identifying objects.