Share Certificate Specials
18-month and 28-month Certificate Specials are available for a limited time and Annual Percentage Yield (APY) only applies to funds not curretly on deposit with HACU.
| Share Certificate Specials | ||||
| Effective Date: Wednesday, November 20th, 2019 | ||||
| Term | Annual Percentage Rate (APR) | Annual Percentage Yield (APY) | Dividends Compounded & Credited | Minimum Balance to Earn Dividends |
| 7 Month Youth CD1 | 4.000% | 4.000% | Monthly | $500 - $700 |
| 12 Month Save to Win2 | 1.657% | 1.670% | Monthly2 | $25 and over2 |
| 28 Month Special | 2.520% | 2.550% | Monthly | $500 and over |
| All certificates require a $500 minimum balance to open the account and earn the stated APY unless otherwise stated. 1For 7 Month Youth Certificate accounts, any accrued dividends will be transferred to your share account monthly; only the principal amount will renew. Upon maturity of the Youth Certificate (member reaches age 22 or older), principal amount will renew as a 6-month share certificate. 2CLICK HERE for complete details and Save to Win Certificate contest rules. Call the credit union for complete disclosures at 989-791-7070 ext. 3503. | ||||
Share Certificates & IRA Share Certificates
Certificate Accounts are available with various maturities and minimum deposits. Interest can be compounded, deposited to your savings account, checking account, or mailed to you. There is a penalty for early withdrawal from a certificate (Our Rates and Service Charges)
| Share Certificates & IRA Share Certificates | ||||
| Effective Date: Wednesday, November 20th, 2019 | ||||
| Term | Annual Percentage Rate (APR) | Annual Percentage Yield (APY) | Dividends Compounded & Credited | Minimum Balance to Earn Dividends |
| 6 Month | 1.302% | 1.310% | Monthly | $500 and over |
| 12 Month | 1.785% | 1.800% | Monthly | $500 and over |
| 24 Month | 2.178% | 2.200% | Monthly | $500 and over |
| 36 Month | 2.373% | 2.400% | Monthly | $500 and over |
| 48 Month | 2.569% | 2.600% | Monthly | $500 and over |
| 60 Month | 2.667% | 2.700% | Monthly | $500 and over |
| All certificates require a $500 minimum balance to open the account and earn the stated APY. Substantial penalty for early withdrawal. Call the credit union for complete disclosures at 989-791-7070 ext. 3503. | ||||
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