Savings Accounts

Earn More with Tiered-Rate Prime Savings

HRCCU’s Prime Savings Account helps you grow higher balances with a tiered-rate structure, no monthly fees, and full digital access.

What is a Prime Savings Account?

A Prime Savings Account from HRCCU is a flexible account designed for members who keep higher balances and want to earn more interest. With a tiered-rate structure, your savings grow faster as your balance increases, making it a great fit for long-term savers and goal-setters.

There are no monthly maintenance fees, and you can access your funds anytime via online banking, mobile app, or at a local branch. Interest is compounded and paid monthly, helping you build momentum as your account grows.

Prime Savings is ideal if you’re working toward a financial goal, maintaining a rainy-day fund, or simply want to get more value out of your idle cash. You can also link it to a Choice Checking Account for convenient transfers or use it alongside a share certificate for better diversification.

Tiered Interest Structure

No Monthly Maintenance Fees

Easy Access to Funds Anytime

man on phone and laptop opening bank account

How to Open a Prime Savings Account

Start earning more on your savings with a simple and secure online or in-branch application.

Confirm eligibility for HRCCU membership
Apply online or at a branch with ID and personal info
Fund your account — minimum $1 deposit
Set up digital access through online and mobile banking
Grow your savings with tiered interest rates

Average Monthly Balance	Interest Rate	APY
$0.01-499.99	0.00%	0.00%
$500.00-4,999.99	0.00%	0.00%
$5,000 and up	0.05%	0.05%

Rate and APY are variable and are subject to change after the account is opened. APY is accurate as of today’s date. Minimum to open a regular account is $1.00. Fees may reduce earnings. APY=Annual Percentage Yield

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Frequently Asked Questions

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

HRCCU’s Prime Savings Account uses a tiered-rate structure, meaning the more you save, the higher the rate you may earn.

Each tier has a different rate, and your entire balance may qualify for the higher rate once you pass a threshold. This helps reward long-term saving.

You can view the current rate tiers on the Savings Accounts page or by speaking with an HRCCU team member.

There is a $1 minimum deposit to open the account, and the minimum balance to earn interest varies based on a variety of factors, but no ongoing minimum balance to keep the account active. To earn the tiered interest, your balance must meet the minimum threshold set for the rate tiers. You can view the current rate tiers on the Savings Account page or by speaking with an HRCCU team member.

Accounts with lower balances may still earn a base rate, but the highest yields are reserved for higher tiers.

This makes the account well-suited for people building long-term savings.

Yes, Prime Savings gives you full access to your funds through online banking, mobile app, and a debit card. You can make withdrawals, transfers, or set up recurring savings.

Interest is credited monthly to your Prime Savings Account. You’ll see earnings posted as a transaction on your statement each month.

This structure allows your savings to grow faster over time with consistent deposits.

The more regularly you contribute, the more powerful the compounding effect becomes.

Yes. HRCCU Prime Savings Accounts are federally insured up to $250,000 per depositor by the NCUA. This includes both your principal and interest.

Your funds are safe, secure, and protected from financial institution risk.

This makes Prime Savings a great long-term holding place for growing wealth.

Yes, you can link your Prime Savings to any HRCCU checking account for easy transfers. This makes it simple to move money between accounts for budgeting or emergencies.

You can also set up automatic transfers to build your savings consistently.

Linking the account helps create a seamless experience between everyday spending and long-term saving.