Human Services Employees Credit Union
 
 
Share Rates $25 minimum investment

Annual Percentage Yield is accurate as of 1st Quarter 2008. Rates and other terms may change at any time without prior notice. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.

  • If you close your share account before dividends are paid, you will not receive the accrued dividends.

    Account Type Minimum Opening
    Deposit    		 Minimum Balance
    to Earn APY    		 Limitations* Dividend Rate Annual
    Percentage
    Yield
    Dividends will be compounded monthly and paid quarterly based on Average Daily Balance.
    Regular Share Account $25.00 $100.00 Transfer* 1.00% 1.26%
    Christmas Club Share Account $25.00 $100.00 Transfer & Withdrawal* 1.00% 1.26%
    Vacation Club Share Account $25.00 $100.00 Transfer & Withdrawal* 1.00% 1.26%
    Special Organization Club Share Savings Account $25.00 $100.00 Transfer* 1.00% 1.26%
    Money Market Account $2500.00 $2500.00 Limitations* 1.50%  
    IRA Savings Account
      Traditional
      Coverdell Education
      Roth
     
    $100.00
    $100.00
    $100.00
     
    $100.00
    $100.00
    $100.00
     
    Transfer*
    Transfer*
    Transfer*
     
    2.23%
    2.30%
    2.30%
     
    2.25%
    2.25%
    2.25%
    Dividends will be paid monthly based on Average Daily Balance.
    Regular Checking Account $25.00 $0.01 Transfer* 0.50% 0.50%
    * For additional information regarding the above accounts, please refer to the Truth-In-Savings Fee Schedule.


    Regular & IRA Certificates

    Annual Percentage Yield is accurate as of February 1, 2008. Rates and other terms may change at any time without prior notice. *$1000.00 minimum required to open Share or IRA Certificate. After your certificate is opened, the dividend rate is fixed for the term. A penalty equal to half of the interest that would be earned upon maturity is imposed for early withdrawal. Fees could reduce earnings on the account.

  • Dividends will be compounded and paid quarterly.
    • Regular Certificates
    Terms Dividend Rate Annual Percentage Yield
    6 months 2.23% 2.25%
    1 year 2.475% 2.50%
    2 year 2.720% 2.75%
    IRA Certificates
    Terms Dividend Rate Annual Percentage Yield
    6 months Call for Rates.
    1 year
    2 year
    * For additional information regarding the above accounts, please refer to the Truth-In-Savings Fee Schedule.
    The above rates are for the minimum balance of $1000, higher rates are available with larger depsoit balances.
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