HFCU PRIME SAVINGS ACCOUNT
(Dividend bearing savings)
Accounts Feature:
- Minimum balance required to open account
- No monthly service fee
- No annual fee ATM card
- 24-hour access to your account by using Touch Tone Teller
- 24-hour access to your account by using HFCU's online banking
- Deposits may be made by Direct Deposit
- Deposits may be made by Payroll Deduction
HFCU SPECIAL SAVINGS ACCOUNTS
(Dividend bearing savings)
Accounts Feature:
- No mimum balance
- No monthly service fee
- No penalty for early withdrawal
- No annual fee ATM card
- 24-hour access to your account by using Touch Tone Teller
- Deposits may be made by Direct Deposit
| Account Type | Minimum Balance (to earn dividends) |
Annual Percentage Yield (APY) |
Annual Percentage Yield Earned(APYE) |
| Primary Savings, Club & Special Savings Accounts |
$100 | .40% | .40% |
| IRA Savings Account | $100 – $9,999.99 $10,000. – $24,999.99 $25,000 & up |
.45% .60% .95% |
.451% .601% .953% |
|
Health Savings Account (HSA) Any adult who is covered by a deductable health plan (and has no other first-dollar) coverage may establish an HSA |
$100 | .45% | .451 |
| Prime Checking* | $1500.00 | .25% | 0.25% |
| Prime Share Plus ** | $2,500 - $14,999.99 $15,000 –$24,999.99 $25,000 –& over |
.75% 1.00% 1.50% |
.753% 1.01% 1.51% |
Rates are subject to change. Your savings is federally insured to at least $250,000 by NCUA and backed by the full faith and credit of the United States Government.
Membership eligibility required. Members may forfeit dividends if they close an account before accrued dividends are credited. Fees may reduce earnings on the accounts.
*A monthly fee of $10.00 is charged for the month if balance falls below $1500 anytime during the month.
** A monthly fee of $15.00 is charged for the month if balance falls below $2500 anytime during the month.
APY=Annual Percentage Yield. Membership eligibility required. Federal regulations require a dividend penalty for early withdrawal.
Members may forfeit dividends if they close an account before accrued dividends are credited.
Fees may reduce earnings on the accounts.
Hancock FCU Share Certificate Rates Rates are effective as of 1/05/2010
| Share Certificate Term | Minimum Balance | Annual Percentage Yield (APY) |
Annual Percentage Yield Earned (APYE) |
| 6 Month Share Certificate | $500 | 1.00% | 1.00% |
| 12 Month Share Certificate | $500 | 1.24% | 1.25% |
| 18 Month Share Certificate | $500 | 1.54% | 1.55% |
| 24 Month Share Certificate | $500 | 1.74% | 1.75% |
| 36 Month Share Certificate | $500 | 2.33% | 2.35% |
| 48 Month Share Certificate | $500 | 2.48% | 2.50% |
| 60 Month Share Certificate | $500 | 2.77% | 2.80% |
| Certificate of Deposit rates are fixed for the duration of term. Federal regulations require a dividend penalty for early withdrawal, which may reduce earnings. |
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Rates are subject to change. Your savings is federally insured to at least $250,000 by NCUA and backed by the full faith and credit of the United States Government.
APY=Annual Percentage Yield. Membership eligibility required. Federal regulations require a dividend penalty for early withdrawal.
Members may forfeit dividends if they close an account before accrued dividends are credited.
Fees may reduce earnings on the accounts.
Hancock FCU Savings Rates Rates are effective as of 1/05/10
