High-Yield Savings Accounts

Premier Savings Account

The HRCCU Premier Savings Account rewards you with higher yields while keeping your money safe and accessible. Whether you’re saving for a major purchase, building an emergency fund, or growing long-term wealth, this account gives you competitive dividends and local support.

What is a Premier Savings Account?

A Premier Savings Account is a high-yield savings option designed for members who want to earn more interest without locking funds away in long-term investments. You’ll enjoy higher dividend rates, no annual fees, and the security of federally insured deposits. With online and mobile access, it’s easy to track your balance, make transfers, and watch your savings grow.

Tiered Interest for Higher Balances

No Monthly Maintenance Fees

Access Via Mobile Banking and eStatements

man on phone and laptop opening bank account

How to Start Saving with a Premier Account

Set aside funds in your Premier Savings to take advantage of higher dividend rates. Automate transfers from your checking account and let compounding grow your balance faster.

Apply online or visit a branch
Provide ID and membership details
Fund your new Premier Savings with an initial deposit
Set up recurring contributions for steady growth
Manage your account through HRCCU’s mobile app or online banking

Average Monthly Balance	Interest Rate	APY
$25,000.00-49,999.99	1.24%	1.25%
$50,000.00-99,999.99	1.49%	1.50%
$100,000.00-249,999.99	1.74%	1.75%
$250,000.00 and up	1.99%	2.00%

APY = Annual Percentage Yield

Member Testimonials

Ready to Get Started? Apply Online or Visit a Branch to Open Your Account Today!

Call or Visit Today

"*" indicates required fields

Frequently Asked Questions

Can’t find the answer you are looking for? Contact us or visit one of our branches.

A Premier Savings Account offers higher dividend rates than a standard savings account, helping your balance grow faster. Unlike regular savings, which typically serve as a membership requirement or starter account, Premier Savings is ideal for building larger balances with competitive returns. You still maintain flexibility, with no annual fees and the ability to access your funds when you need them.

The Premier Savings Account combines safety, flexibility, and growth potential. You earn more on every dollar saved, while enjoying 24/7 digital banking access and the peace of mind of federally insured deposits. It’s a smart option for members who want stronger returns without the restrictions of long-term investments like share certificates.

Yes, a minimum balance may be required to earn the highest dividend rate. This ensures members maximize their return while maintaining account accessibility. An HRCCU representative will review exact thresholds with you during account opening, and you’ll always have transparent information about balances and dividends.

Absolutely. A Premier Savings Account provides easy access through online banking, the HRCCU mobile app, and branch services. While it encourages long-term saving, you are not locked in, and you can transfer funds to your checking account or withdraw when needed without penalty.

Yes. Your deposits are federally insured by the NCUA up to $250,000, offering the same protection as other HRCCU accounts. This ensures your money remains safe while earning competitive returns.

Premier Savings is ideal for members who maintain higher balances and want to earn more interest while keeping funds liquid. It’s a strong choice for families building an emergency fund, individuals saving toward a major purchase, or anyone who wants their savings to work harder without sacrificing accessibility.