Certificate Rates

In observance of the Thanksgiving holiday, all HRCCU branches will be closed on Thursday, November 26 and Friday, November 27. All locations with the exception of the Troy branch will reopen for normal business hours on Saturday, November 28.

Special

Special Rates

TermsMinimum to open and obtain APYIRA OfferedRateAPY Special
Share Certificates

Share Certificates Rates

TermsMinimum to open and obtain APYIRA OfferedRateAPY Share Certificates
6 Months$500 Deposit0.15%0.15%
12 Months$500 Deposit0.20%0.20%
18 Months$500 Deposit0.20%0.20%
24 Months$500 Deposit0.30%0.30%
36 Months$500 Deposit0.35%0.35%
48 Months$500 Deposit0.40%0.40%
60 Months$500 Deposit0.50%0.50%
Traditional IRA Certificate

Traditional IRA Certificate Rates

TermsMinimum to open and obtain APYIRA OfferedRateAPY Traditional IRA Certificate
6 Months$500 Deposit0.15%0.15%
12 Months$500 Deposit0.20%0.20%
18 Months$500 Deposit0.20%0.20%
24 Months$500 Deposit0.30%0.30%
36 Months$500 Deposit0.35%0.35%
48 Months$500 Deposit0.40%0.40%
60 Months$500 Deposit0.50%0.50%
Roth IRA Certificate

Roth IRA Certificate Rates

TermsMinimum to open and obtain APYIRA OfferedRateAPY Roth IRA Certificate
6 Months$500 Deposit0.15%0.15%
12 Months$500 Deposit0.20%0.20%
18 Months$500 Deposit0.20%0.20%
24 Months$500 Deposit0.30%0.30%
36 Months$500 Deposit0.35%0.35%
48 Months$500 Deposit0.40%0.40%
60 Months$500 Deposit0.50%0.50%
Coverdell IRA Certificate

Coverdell IRA Certificate Rates

TermsMinimum to open and obtain APYIRA OfferedRateAPY Coverdell IRA Certificate
6 Months$500 Deposit0.15%0.15%
12 Months$500 Deposit0.20%0.20%
18 Months$500 Deposit0.20%0.20%
24 Months$500 Deposit0.30%0.30%
36 Months$500 Deposit0.35%0.35%
48 Months$500 Deposit0.40%0.40%
60 Months$500 Deposit0.50%0.50%

Current Rates

Auto Loans
APR as low as
1.99%
Fixed Rate 36 Month
Mortgages
APR as low as
2.50%
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
2.875%
Fixed Rate 5-year fixed
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
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