Certificates

Share Certificates

Maximize savings with a fixed-rate Share Certificate offering guaranteed returns and flexible terms.

Types of Share Certificates

6-Month Share Certificate

Short 6-month term for flexible savings
Guaranteed returns with a low $500 minimum
Earn more than a traditional savings account

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12-Month Share Certificate

One-year term with higher returns than savings
Lock in your rate and grow money securely
Great for mid-term goals like travel or tuition

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18-Month Share Certificate

Balanced 18-month term for steady growth
Fixed interest, steady returns, and no fees
Ideal for planning expenses a year or two ahead

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2-Year Share Certificate

24-month term with guaranteed, fixed returns
A strong fit for future expenses and big purchases
Watch savings build stress-free over two years

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Long Term Share Certificate

Maximize earnings with multi-year growth
Smart option for major goals like a home or retirement
Best for savers who don’t need immediate access

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Start Growing Your Savings Today

Opening a Share Certificate at HRCCU is simple and secure.

Choose your certificate term to match your goals
Apply online or visit a branch to open your account
Fund your certificate with the required minimum deposit
Earn guaranteed returns with fixed interest until maturity

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Share Certificates Rates

Terms	Minimum to open and obtain APY	Rate	APY Share Certificates
6 Months	$500 Deposit	3.21%	3.25%
12 Months	$500 Deposit	3.06%	3.10%
18 Months	$500 Deposit	2.97%	3.00%
24 Months	$500 Deposit	2.48%	2.50%
36 Months	$500 Deposit	2.48%	2.50%
48 Months	$500 Deposit	2.48%	2.50%
60 Months	$500 Deposit	2.48%	2.50%

APY = Annual Percentage Yield. Dividends are compounded quarterly and paid on the last day of the quarter. Fees may reduce earnings. Penalties may apply for early withdrawal. Minimum to open and obtain APY for Certificates is specified above. APY is accurate as of 2026.

Share Certificate Special Rates

*APY = Annual Percentage Yield. Certificates available as traditional share or IRA certificate. No limit on new money. New Money is defined as deposits and investments not previously held in any HRCCU account. Penalties may apply for early withdrawal. Restrictions apply. Offer is for a limited time only.

Featured Benefits

Higher Rates

Our Certificates offer a higher dividend yield than traditional savings.

Greater Flexibility

A variety of terms and rates so you can invest your savings how you choose.

Set Terms

Limited access to funds until the maturity date helps prevent early withdrawals.

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Frequently Asked Questions

A Share Certificate is a savings account with a fixed interest rate and maturity date. Unlike regular savings accounts, share certificates require you to keep your money locked in for a set term. In return, you receive a higher interest rate.

HRCCU offers multiple term options and competitive rates. Once your share certificate reaches maturity, you can withdraw your funds or roll them into a new term.

It’s a great way to save if you don’t need immediate access to your money and want to earn more over time.

Yes. HRCCU Share Certificates are federally insured by the NCUA up to $250,000. This provides peace of mind knowing your savings are secure.

In addition to insurance, your money earns predictable interest over time. There are no market risks, making share certificates a lower-risk investment.

If security and guaranteed returns are important to you, a share certificate may be the right choice.

If you withdraw funds before the share certificate matures, you may be subject to an early withdrawal penalty. This usually involves forfeiting a portion of the interest earned.

The amount depends on the term of the share certificate. For example, a 12-month Share Certificate may carry a 90-day interest penalty.

Always review the terms carefully before withdrawing early, and consider aligning your share certificate term with your financial goals.

Yes, you can open multiple share certificates to create a certificate ladder. This strategy involves staggering maturity dates, allowing you to access funds periodically while still earning higher rates.

For example, you might open share certificates with 1-year, 2-year, and 3-year terms. As each one matures, you can reinvest or use the funds as needed. It’s a smart way to maintain liquidity while maximizing earnings.

Yes, share certificates may automatically renew if no action is taken at maturity. You’ll receive a notice when your share certificate is nearing its end date and have a grace period to withdraw, reinvest, or transfer your funds. If you don’t provide instructions during that time, the share certificate may roll over into a new term at the current available rate.

Opening a share certificate is quick and easy. Visit the HRCCU website or stop by any branch to begin the process. You’ll need your ID, Social Security Number, and funding method.

Once you select your share certificate term and type, deposit your funds, and start earning interest immediately.

You’ll receive regular updates and can view your account through online or mobile banking.

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