Our Savings Rates

Savings Accounts with HRCCU

HRCCU offers secure savings accounts to help you build your financial future without monthly fees.

Types of Saving Accounts

Prime Savings

  • Tiered interest rates reward higher balances with no monthly fees
  • Flexible access through online and mobile banking
  • Safe, federally insured option for long-term financial security
Learn More

UTMA Savings

  • A custodial account that earns interest with no monthly fees
  • The adult maintains oversight until the child reaches legal adulthood
  • Builds financial security for education, a first car, or future goals
Learn More

Youth Savings

  • Open with just $1 and get free online and mobile banking, audio response, and eStatements
  • Helps kids learn smart money habits with real account experience
  • HRCCU matches the first deposit up to $10 for new accounts
Learn More

Money Market Savings

  • Higher interest rates with tiered earnings and no monthly fees
  • Flexible access with easy transfers and check-writing privileges
  • Ideal for savers who want both growth and liquidity
Learn More

Holiday Club

  • Contribute year-round and access funds before the holidays
  • Earn interest with no monthly fees or minimum balance
  • Save for gifts, travel, and festivities without touching regular savings
Learn More

IRA Savings

  • Earn interest and enjoy potential tax advantages for retirement
  • Flexible, secure way to build long-term savings
  • No monthly maintenance fees, with accessible funds for future planning
Learn More

Get Started with Savings That Work for You

Opening a savings account with HRCCU is quick and easy.

  1. Choose your savings goal and account type
  2. Gather your ID and SSN
  3. Apply online or visit a branch
  4. Fund your account with your first deposit
  5. Track your savings with online and mobile banking
man on phone and laptop opening bank account

Savings Accounts to Fit All of Your Needs

Prime & Universal SavingsYouth SavingsHoliday ClubUTMA SavingsIRA Savings
Best ForEveryone 15 and older14 and YoungerSavings for Holiday GiftsGifting Money to Minors Under the age of 18Traditional IRA and Roth IRA
Minimum Balance to Earn Interest$500$1$1$1$250
Visa Debit Card Access
FREE ATM Transactions (foreign ATM fees apply)
FREE access to Online & Mobile Banking
FREE Audio Response
FREE eStatements

Featured Benefits

Grow Your Savings

Interest is compounded monthly, and dividends are credited to your account each month.

Mobile Banking

Enjoy free, secure online and mobile banking, giving you the flexibility to manage your accounts anytime, anywhere.

Shared Branching

Access a nationwide network of branch locations and Co-Op ATMs, conveniently located near you and across the U.S.

Want to Learn More? Connect With Us Today for Personalized Support.

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

Your Money. Your Way.

No Hidden Monthly Fees

Online and mobile banking access

Over 30,000 surcharge-free ATMs nationwide

Member Testimonials

Frequently Asked Questions

HRCCU offers a range of savings accounts designed to support your financial goals at any stage of life. Whether you’re just starting out or planning for the future, each account provides a secure place to grow your money with no monthly maintenance fees and competitive interest rates.

From Youth Savings with just a $1 minimum to IRAs for long-term retirement planning, HRCCU accounts offer flexible options with digital convenience. Enjoy features like FREE eStatements, Audio Response, ATM access, and 24/7 online and mobile banking. With low minimums to earn interest and accounts tailored to your needs, such as Holiday Club for seasonal spending or UTMA for gifting to minors, HRCCU makes it easy to save with confidence.

The Youth Savings account is designed for members under 14 who want to start learning about saving money. It requires a lower minimum opening deposit and encourages smart saving habits early on.

Parents or guardians can jointly own the account, making it easier to supervise and guide children’s financial growth.

It’s an excellent way to introduce kids and teens to responsible money management.

Holiday Club Accounts are specialized savings accounts created to help you save for specific goals like holidays, vacations, or big purchases. You can make regular deposits or schedule automatic transfers from your checking account.

Funds are typically disbursed once a year, helping you avoid the temptation to withdraw early. This structure makes it easier to stay disciplined and reach your savings goals on time.

Yes, HRCCU requires a small initial deposit of $1 to open most savings account. The minimum amount is affordable, making it easy to get started.

This deposit helps establish your membership with HRCCU and opens the door to additional financial services.

Exact amounts may vary by account type, so be sure to check the specific requirements before applying.

Yes, all HRCCU savings accounts come with online and mobile banking access. You can monitor balances, transfer funds, and set savings goals through our secure digital tools.

Mobile check deposit and eStatements are also available, giving you full control of your finances from your phone or computer.

It’s a convenient way to stay on top of your savings no matter where you are.

Setting up automatic savings is easy with HRCCU. Once your savings account is open, you can schedule recurring transfers from your checking account through online banking.

You choose the amount and frequency, making it simple to build your savings without thinking about it.

Automated savings help you stay consistent and reach your financial goals faster.

More HRCCU Financial Solutions

Checking Accounts

Choose the checking account that fits your lifestyle with no monthly fees and convenient digital access.

Learn More

Share Certificates

Our Share Certificates offer both short- and long-term savings options with higher yields than traditional savings accounts.

Learn More

Business Accounts

Explore business accounts that help your business grow with no monthly maintenance fees, online access, and personalized service.

Learn More

Current Rates

Auto Loans
APR as low as
3.99%
Fixed Rate 36 Month
View
Mortgages
APR as low as
5.50%
Fixed Rate 15-year fixed
View
Home Equity Line of Credit
APR as low as
2.99%
Adjustable 7/1 ARM (HELOC only)
View
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
View
View All Rates
logos of Bauer 5-star, America's Credit Union, Community Development Financial Institution, Equal Housing Opportunity, Marshall & Sterling Insurance, and National Credit Union Administration

You are now leaving this site:

By accessing this link, you will be leaving HRCCU’s website and entering a website hosted by another party. HRCCU has approved this website as a reliable partner site. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of HRCCU’s website. We encourage you to read the privacy and security policies of the site you are entering, which may differ from those practiced by the credit union.

Do you wish to continue?

Yes

Open a Savings Account Today!

Start the process today and start saving.

Already a member?

Sign in to your online account to open a new savings account.

Log In

Not a member?

Not a problem! Apply now and we’ll create your membership during this application.

Join Now
Federally Insured by NCUA. Equal Housing Lender © 2026 HRCCU