Certificates - Hudson River Community Credit Union

Share Certificates

Open a Share Certificates Account Today!

Start saving today with a higher dividend yield than traditional savings with an HRCCU Share Certificate. Choose a term that works for you!

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Share Certificates Rates

Terms	Minimum to open and obtain APY	Rate	APY Share Certificates
6 Months	$500 Deposit	0.60%	0.60%
12 Months	$500 Deposit	0.70%	0.70%
18 Months	$500 Deposit	0.80%	0.80%
24 Months	$500 Deposit	1.04%	1.05%
36 Months	$500 Deposit	1.29%	1.30%
48 Months	$500 Deposit	1.54%	1.55%
60 Months	$500 Deposit	1.74%	1.75%

Start saving today with a higher dividend yield than traditional savings with an HRCCU Share Certificate. Choose a term that works for you! Start saving today with a higher dividend yield than traditional savings with an HRCCU Share Certificate. Choose a term that works for you! 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 pen and obtain APY for Certificates is specified above. APY is accurate as of todays date.

Traditional IRA Certificate

Open a Traditional IRA Certificate Account Today!

Start saving today with a higher dividend yield than traditional savings with an HRCCU Traditional IRA Certificate. An Individual Retirement Account (IRA) is a tax deferred account that may offer tax advantages when the money is deposited for the purpose of saving toward retirement. Choose a term that works for you!

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Traditional IRA Certificate Rates

Terms	Minimum to open and obtain APY	Rate	APY Traditional IRA Certificate
6 Months	$500 Deposit	0.60%	0.60%
12 Months	$500 Deposit	0.70%	0.70%
18 Months	$500 Deposit	0.80%	0.80%
24 Months	$500 Deposit	1.04%	1.05%
36 Months	$500 Deposit	1.29%	1.30%
48 Months	$500 Deposit	1.54%	1.55%
60 Months	$500 Deposit	1.74%	1.75%

Roth IRA Certificate

Open a Roth IRA Certificate Account Today!

Start saving today with a higher dividend yield than traditional savings with an HRCCU Roth IRA Certificate. A Roth Individual Retirement Account (IRA) is a tax deferred account that may offer tax advantages when the money is deposited for the purpose of saving toward retirement. Choose a term that works for you!

Call or Visit a Branch

Roth IRA Certificate Rates

Terms	Minimum to open and obtain APY	Rate	APY Roth IRA Certificate
6 Months	$500 Deposit	0.60%	0.60%
12 Months	$500 Deposit	0.70%	0.70%
18 Months	$500 Deposit	0.80%	0.80%
24 Months	$500 Deposit	1.04%	1.05%
36 Months	$500 Deposit	1.29%	1.30%
48 Months	$500 Deposit	1.54%	1.55%
60 Months	$500 Deposit	1.74%	1.75%

Coverdell IRA Certificate

Open a Coverdell IRA Certificate Account Today!

Start saving today with a higher dividend yield than traditional savings with an HRCCU Coverdell IRA Certificate. A Coverdell IRA Certificate is a trust or custodial account designed to help families pay for education. Choose a term that works for you!

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Coverdell IRA Certificate Rates

Terms	Minimum to open and obtain APY	Rate	APY Coverdell IRA Certificate
6 Months	$500 Deposit	0.60%	0.60%
12 Months	$500 Deposit	0.70%	0.70%
18 Months	$500 Deposit	0.80%	0.80%
24 Months	$500 Deposit	1.04%	1.05%
36 Months	$500 Deposit	1.29%	1.30%
48 Months	$500 Deposit	1.54%	1.55%
60 Months	$500 Deposit	1.74%	1.75%