Invest in your own heritage

Hudson Heritage has the experience and tools to uncover new avenues for your financial well-being and growth, now and into the future. To explore your investment opportunities with HHFCU, visit us at your nearest branch location, which can be found here.

Which type of investments interest you?

Enjoy the convenience of a money market account

All the convenience of a savings or checking account, with higher yields. Your funds are always available and you earn more in dividends.

ProductAnnual Percentage Yield (APY)*Balance to Earn Minimum APYMinimum to Open AccountDividend Rate
Money Market - Tier 10.15%$2,500.00$2,500.000.15%
Money Market - Tier 20.20%$20,000.00$20,000.000.20%
Money Market - Tier 30.25%$50,000.00$50,000.000.25%
Money Market - Tier 40.30%$100,000.00$100,000.000.30%

Money Market Accounts Disclosure

* 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. 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/below. Dividends are compounded monthly and credited monthly. You may contact the Credit Union at (845) 561-5607 for current rate information. All accounts are subject to the applicable terms and conditions set forth in the Membership Agreement & Disclosures, the Fee Schedule, and any agreement to which the Truth in Savings Disclosure and Membership Agreement references.

Rates effective 7/15/2015

Certificates tailored to meet your goals

Earn a guaranteed interest rate on your investment. HHFCU has competitive dividends, which means you earn more. We offer short and long-term certificates, each tailored to meet your financial goals. Plus, you can save time with automatic renewal at maturity.

TermAnnual Percentage Yield (APY)*Balance to Earn Minimum APYMinimum to Open AccountDividend Rate
Share/IRA Certificate - 6 months0.40%$2,500.00$2,500.000.40%
Share/IRA Certificate - 12 months0.55%$500.00$500.000.55%
Share/IRA Certificate - 24 months0.95%$500.00$500.000.95%
1.05%$10,000.00$10,000.001.05%
Share/IRA Certificate - 36 months1.20%$500.00$500.001.19%
1.30%$10,000.00$10,000.001.29%
Share/IRA Certificate - 48 months1.50%$500.00$500.001.49%
1.60%$10,000.00$10,000.001.59%
Share/IRA Certificate - 60 months1.90%$500.00$500.001.89%
2.00%$10,000.00$10,000.001.99%

Certificate Accounts Disclosure

* 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. All accounts are subject to the applicable terms and conditions set forth in the Membership Agreement & Disclosures, the Fee Schedule, and any agreement to which the Truth in Savings Disclosure and Membership Agreement references.

Rates effective 8/1/2016

Hudson Heritage Investment & Wealth Options

To help you manage your wealth and plan for your future, Hudson Heritage Investment and Wealth Solutions has recently partnered with Ameriprise Financial to provide you with access to a full range of financial planning services and products. Through this partnership, we can now provide you access to a wide range of wealth management tools to help you take control of your finances, and save for your future. Ameriprise Financial is a leader in the financial advisory market and a valued part of our community with an office located in Goshen, N.Y.

Click below for more details on how Ameriprise Financial can help manage your wealth and plan for your future.

  • Financial Planning
  • Investment Management Strategies
  • Retirement Planning
  • IRA’s
  • College Planning
  • Mutual Funds, Stocks & Bonds
  • Hedge Funds
  • Life Insurance
  • Long Term Care Insurance
  • Medicare Supplements
  • Fixed/Variable Annuities

Investment Disclosure

Not NCUA/NCUSIF Insured | No Credit Union Guarantee | Not a Credit Union Deposit | May Lose Value.
Ameriprise Financial and Hudson Heritage Federal Credit Union/Hudson Heritage Investment & Wealth Solutions not affiliated. HHFCU is not a registered broker/dealer. Advisory products and services are made available through Ameriprise Financial Services Inc., a registered investment advisor.
Financial Services, Inc. Member FINRA and SIPC
© 2015 Ameriprise Financial, Inc. All rights reserved.
Products offered are not obligations of the credit union, and are not guaranteed by the credit union or any affiliated entity. These products involve investment risks, including loss of principal.

Money Market FAQ

To open a money market account with HHFCU, visit us at your nearest branch location, or get started with one of our jumpstart forms.

HHFCU offers a variety of money market accounts to best fit your needs. Please refer to the money market accounts table for more information.

The Annual Percentage Yield on a money market account varies depending on the level of the account, ranging from 0.15% to 0.30%.

The minimum balance to earn APY depends on the type of money market account. Please refer to the money market accounts table for more information.

The minimum amount of money needed to open a money market account varies from $2,500 to $100,000 depending on the tier. However, you are required to have a savings account with a minimum $5 balance. Please refer to the money market accounts table for more information.

The dividend rate ranges from 0.15% to 0.30% depending on the type of money market account. Please refer to the money market accounts table for more information.

Certificates FAQ

To purchase a certificate, visit us at your nearest branch location, or get started with one of our jumpstart forms.

HHFCU offers a variety of certificates to best fit your needs. Please refer to the certificates table for more information.

The Annual Percentage Yield on a certificate varies. It can range anywhere from 0.40% to 2.00%.

The minimum balance to earn APY depends on the type of certificate and ranges from $500 to $10,000. Please refer to the certificates table for more information.

The minimum amount of money needed to purchase a certificate varies from $500 to $10,000, depending on the level of the account. However, you are required to have a savings account with a minimum $5 balance. Please refer to the certificates table for more information.

The dividend rate ranges from 0.40% to 1.99% depending on the type of certificate account. Please refer to the certificates table for more information.

Investment FAQ

We offer a variety of financial planning and wealth management services to help you save for your future. Please refer to the list of available services for more detail.

We offer a variety of financial planning and wealth management services to help you save for your future. Please refer to the list of available services for more detail.

We partner with Ameriprise Financial to provide you with access to a full range of financial planning services and products. Ameriprise Financial is a leader in the financial advisory market and a valued part of our community with an office located in Goshen, N.Y. Please refer to the list of available services for more detail.

Our offer a variety of investment option to fit your every need. Please refer to the list of available services for more detail.