It's our 40th Anniversary
Super Savings Rate!
Open a new CD, IRA, or ESA for
40 months and earn 4.0% APY* when you
open with new money from another financial institution only!
This super rate won't last super long so tally up your funds and bring them to HACU to maximize your super savings!
OPEN A CD
What's a CD? CDs are similar to savings accounts in that they are insured "money in the bank" and thus virtually risk-free. In the USA, CDs are insured by the National Credit Union Administration (NCUA) for credit unions. They differ from savings accounts in that the CD has a specific, fixed term and, usually, a fixed interest rate. The bank intends that the customer hold the CD until maturity, at which time they can withdraw the money and accrued interest.
Want to learn more about our CD offerings? Click here
OPEN AN IRA
What's an IRA? An Individual Retirement Account (IRA) is an account designed for building retirement savings. Unlike an ordinary savings account, it allows you to purchase investments, such as mutual funds and stocks and offers tax breaks that can save you thousands of dollars over the life of the account.
Want to learn more about our IRA offerings and eligibility? Click here
OPEN AN ESA
What's an ESA? A Coverdell Education Savings Account is a tax-advantaged investment account in the United States designed to encourage savings to cover future education expenses (elementary, secondary, or college), such as tuition, books, and uniforms (for the same year as the distribution). Like a 529 plan, Coverdell ESAs allow money to grow tax deferred and proceeds to be withdrawn tax-free for qualified education expenses at a qualified institution. However, the definition of qualified expenses in an ESA includes primary and secondary school, not just college and university.
Want to learn more about our offerings? Click here
APY=Annual Percentage Yield reflects the effective rate earned due to compounding of interest. Compounded monthly; paid monthly. Penalties apply for early withdrawal, penalty may reduce earnings. $500 minimum to open, new money only, and does not apply to existing HACU deposits. Rate quoted of 4.00% is for a 40-month term of new money up to a maximum of $25,000 by member social security number. At maturity, CD renews into a 36 month CD. Rate is based on the balance tier from your balance at the time of renewal and the rate in effect at the time of renewal. Available on CDs, IRAs and ESAs. Rates subject to change without notice. Terms and conditions may apply. Limited time offer. No Institutional CDs. Please contact a member services representative for details.