All HRCCU Branch Lobbies are Now Open! We encourage you to continue to use the drive-thru and online banking to reduce the spread of COVID-19. Learn More
Use this chart to compare information for our six savings accounts.
Prime & Universal Savings | Youth Savings | Holiday Club | UTMA Savings | IRA Savings | |
---|---|---|---|---|---|
Best For | Everyone 15 and older | 15 and Younger | Savings for Holiday Gifts | Gifting Money to Minors Under the age of 18 | Traditional IRA and Roth IRA |
Minimum Balance to Earn Interest | $500 | $5 | $5 | $5 to age 18, $500 for 18+ | $250 |
Visa Debit Card Access | – | – | – | ||
FREE ATM Transactions* *Foreign ATM fees apply. |
– | – | – | ||
FREE access to Online & Mobile Banking | |||||
FREE Audio Response | |||||
FREE eStatements |
Free savings account that requires just $5 minimum balance to open.
Apply TodayAverage Monthly Balance | Interest Rate | APY |
---|---|---|
$0.01 - $499.99 | 0.00% | 0.00% |
$500.00 - $4,999.99 | 0.05% | 0.05% |
$5,000 and up | 0.05% | 0.05% |
Save for any purpose with the Universal Savings account.
Apply TodayAverage Monthly Balance | Interest Rate | APY |
---|---|---|
$0.01 - $499.99 | 0.00% | 0.00% |
$500.00 - $4,999.99 | 0.05% | 0.05% |
$5,000 and up | 0.05% | 0.05% |
Start saving with a free youth savings account. Earn quarterly dividends with just a $5 minimum deposit for kids ages 15 and under.
Apply TodayAverage Monthly Balance | Interest Rate | APY |
---|---|---|
$5.00 and up | 0.05% | 0.05% |
Join our holiday club to save for next year's holiday gifts. Our holiday club runs from October 1st to December 30th with no minimum deposit requirement to open an account.
Apply TodayAverage Monthly Balance | Interest Rate | APY |
---|---|---|
$1.00 or more | 0.05% | 0.05% |
A custodial account established under the Uniform Transfers to Minors or Gifts to Minors Act (UTMA). Earn compounded quarterly dividends on an average daily balance of $5.00 or more.
Apply TodayAverage Monthly Balance | Interest Rate | APY |
---|---|---|
$5.00 and up | 0.05% | 0.05% |
Save for your future with an IRA Savings Account. Open an account with $250 minimum balance.
Call or Visit TodayAverage Monthly Balance | Interest Rate | APY |
---|---|---|
$250 - $999.99 | 0.00% | 0.00% |
$1000.00 - $9,999.99 | 0.05% | 0.05% |
$10,000 - $24,999.99 | 0.05% | 0.05% |
$25,000 and up | 0.05% | 0.05% |