IRA Share Savings

Protect your future with an IRA

Save for the long-term. Whether you’re looking for a Traditional IRA to defer taxes until you’re retired, or the benefit of a Roth IRA for a tax-deferred return on investment. We have the solution to fit your needs. As long as you are under 70 ½ and earning income, you can establish and contribute to an IRA. You can even use the money for education needs through a Coverdell Education Savings Account. Your contributions are automatic when you use payroll deduction.


Product Annual Percentage Yield
(APY) *
Balance to Earn Minimum APY Minimum to Open Account Dividend Rate Open Account
IRA Savings 10.15%$500$5.000.15%
Grow Your Savings Automatically!

Direct Deposit makes saving easy! Make automatic payroll deductions in any amount so your savings grow automatically over time. When your share savings account balance reaches $500, your account will earn quarterly dividends.

Click here to have your money deposited into your HHFCU account.

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Get Free Checking & Save Even More!

Add a free Checking Account and you get no per-check fees, no monthly service fees, no minimum balance requirement, unlimited check writing and a free VISA® Check Card.

With Overdraft Protection, you’ll never worry about returned check fees due to the occasional error.

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Bank Anytime, Anywhere

Manage your accounts anytime with Online and Mobile Banking. Pay bills, check your balance, manage your finances and send money to friends and family. You can even deposit checks right through your phone.





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Join Today and Save!

All you need to start and maintain a lifetime membership with Hudson Heritage Federal Credit Union is a $5 Share Savings Account balance.

Grow your savings faster by leaving your earned dividends in your account. That way, your dividends will earn dividends. That’s the Power of Compounding!

*Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year for accounts with terms.  A withdrawal will reduce earnings.  A substantial penalty will be assessed for early withdrawal.  Fixed rates for accounts with specific maturities are in effect until maturity.  Rates are determined at the discretion of the Board of Directors of the Credit Union.  Dividends are paid from current income and available earnings.  These rates are accurate as of the date indicated above.  Dividends are compounded quarterly and credited quarterly.  You may contact the Credit Union at (845) 561-5607 for current rate information.  See your account disclosures for additional information about your account.  

Rates effective 7/15/2015.

1 No early withdrawals are allowed on any IRA account or the member will be charged a penalty.