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Deposit Rates
Savings Account Rates are effective 7/1/13
Money Market rates are effective 9/1/13
Super Saver rates are effective 3/1/14
Certificate Account Rates are effective 8/2/13

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DEPOSIT PRODUCTS** ANNUAL PERCENTAGE YIELD (APY)* BALANCE TO EARN MINIMUM APY MINIMUM TO OPEN ACCOUNT DIVIDEND RATE
Share Savings 0.05% $500.00 $5.00 0.05%
Holiday, Vacation, Escrow 0.05% $500.00 $5.00 0.05%
IRA Savings 0.15% $500.00 $5.00 0.15%
Checking 0.00% n/a $0.00 n/a
Money Market
Tier 1
0.15% $2,500.00 $2,500.00 0.15%
Money Market
Tier 2
0.20% $20,000.00 $20,000.00 0.20%
Money Market
Tier 3
0.25% $50,000.00 $50,000.00 0.25%
Money Market
Tier 4
0.30% $100,000.00 $100,000.00 0.30%
Super Saver
Tier 1
0.20% $25,000.00 $25,000.00 0.20%
Super Saver
Tier 2
0.25% $50,000.00 $50,000.00 0.25%
Super Saver
Tier 3
0.35% $100,000.00 $100,000.00 0.35%
** - All Deposit Products are Variable Rates        

 

Certificates/IRA Certificates

Term ANNUAL PERCENTAGE
YIELD (APY)*
BALANCE TO EARN MINIMUM APY MINIMUM TO OPEN ACCOUNT DIVIDEND RATE
6 Month 0.35% $2,500 $2,500 0.35%
12 Month 0.50% $500 $500 0.50%
24 Month (less than $10,000) .70% $500 $500 .70%
24 Month (more than $10,000) .80% $10,000 $10,000 .80%
36 Month (less than $10,000) 1.00% $500 $500 1.00%
36 Month (more than $10,000) 1.10% $10,000 $10,000 1.10%
48 Month (less than $10,000) 1.25% $500 $500 1.24%
48 Month (more than $10,000) 1.35% $10,000 $10,000 1.34%
60 Month (less than $10,000) 1.45% $500 $500 1.44%
60 Month (more than $10,000) 1.55% $10,000 $10,000 1.54%

 

*Annual Percentage Yield

Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year. A withdrawal will reduce earnings. Maintenance or activity fees may reduce earnings on the account. Fixed rates for accounts with specific maturities are in effect until maturity. For Variable rate accounts, the rate may change after opening. Rates are determined at the discretion of the Board of Directors of the Credit Union. The dividend rates and APY's disclosed for accounts, other than time accounts, are prospective. Dividends paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Withdrawals of credited interest are allowed without penalty. Withdrawals of principal are allowed with substantial penalty for early withdrawal. These rates are accurate as the date listed above. Rates are subject to change anytime without notice. You may contact the Credit Union at 845-561-5607 or visit us on the web at www.hhfcu.org for current rate information. See your Membership Disclosure Booklet for additional information about your account.

** Limited time offer, may be withdrawn at any time.