Certificates

Earn More Over an 18-Month Term

With fixed rates and secure returns, HRCCU’s 18-month share certificate is ideal for members looking to grow their money over the medium term.

What is an 18-Month Share Certificate?

An 18-month share certificate from HRCCU offers a reliable savings option for those looking to grow their money over a longer term than a standard one-year share certificate. This account provides a fixed interest rate for the full 18-month term, allowing you to plan with confidence.

The rate you lock in at the time of opening will not change, even if market rates fluctuate. Your funds remain on deposit for 18 months and earn predictable interest throughout. There are no monthly maintenance fees, and your deposit is federally insured.

If you’re planning for a future expense or building a savings ladder, the 18-Month CD fits well between short and long-term commitments. Compare it with our 12-month share certificate or consider pairing it with a High-Yield Savings Account for more liquidity.

Fixed Rate for 18 Months

No Monthly Maintenance Fees

Mid-Term Option for Higher Yields

man on phone and laptop opening bank account

How to Open an 18-Month Share Certificate

Open your share certificate online or in person and lock in your rate for 18 months of guaranteed growth.

Choose your investment amount — starting at $500
Review current rates for the 18-month term
Apply online or at a branch
Fund your certificate by transfer, deposit, or check
Monitor your progress with online or mobile banking

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Frequently Asked Questions

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An 18-month share certificate gives you a middle-ground option between shorter and longer terms. It generally offers higher returns than 6- or 12-month share certificates, while providing earlier access than a 2-year share certificate.

This term is useful for people who are saving for specific events such as tuition, taxes, or large purchases that are occurring within the next year and a half.

It also works well in a share certificate ladder to help create a blend of accessibility and interest gains.

Interest on the 18-month share certificate is earned at a fixed rate and is compounded monthly. Your balance grows consistently, and you can view accrued interest in your online dashboard.

At the end of the 18 months, you receive your full principal plus interest. In some cases, interest can be transferred to a separate HRCCU account on a recurring basis.

This steady earning model makes the 18-month share certificate ideal for hands-off savers looking for reliable returns.

While you can withdraw early, it’s discouraged. Early withdrawals result in a penalty that reduces your earned interest.

The penalty is usually a few months’ worth of interest and varies depending on how early you withdraw and the amount in the account.

To maintain full returns, keep your funds in the share certificate until the 18-month period ends. If you may need access sooner, consider a shorter-term share certificate or savings account.

When the term ends, HRCCU will notify you of your share certificate’s maturity. You’ll have a window of time to withdraw, reinvest, or transfer your funds.

If you take no action, the share certificate may automatically roll over into a new share certificate with the same term and the current available rate.

To avoid automatic renewal, make sure to monitor your maturity date and contact HRCCU with instructions.

Yes, HRCCU’s share certificates are federally insured up to $250,000 through the NCUA. This coverage protects your funds regardless of market performance or institution status.

Share certificates are considered one of the safest investments available for conservative savers.

You can rest assured that your savings are earning a reliable return in a risk-free environment.

Absolutely. 18-month share certificates work well in laddering strategies or as part of a diversified savings approach. You can stagger share certificates of different lengths to gain both flexibility and higher returns.

Many members pair this with a high-yield savings account or other share certificates to meet their short- and long-term goals.

Speak with an HRCCU team member about customizing a savings strategy that matches your financial timeline.