Savings Rates


Share Rates & Yields
 
Account Type
Dividend Rate
APY*
Min. Initial Deposit
Min. Balance¤

Share Account
0.15%
0.15%
$5.00
$100.00

Kids Club Savings
0.15%
0.15%
$25.00
$25.00

Christmas Savings
0.15%
0.15%
$5.00
--

Traditional IRA Share
0.50%
0.50%
$5.00
--

Roth IRA Share
0.50%
0.50%
$5.00
--

Education IRA Share
0.50%
0.50%
$5.00
--

VIP Money Market
0.15%
0.15%
$5.00 - $4,999.99
$500.00
 
 
0.25%
0.25%
$5,000.00 - $49,999.99
$500.00
 
 
0.30%
0.30%
$50,000.00 - $99,999.99
$500.00
 
 
0.35%
0.35%
$100,000.00+
$500.00

Value Checking
--
--
$5.00
--

Preferred Checking
0.10%
0.10%
$5.00
**

Advantage Checking
--
--
$5.00
--

 
Share Certificates
 
Account Type
Dividend Rate
APY*
Min. Initial Deposit
Min. Balance¤

06 - 11 Months
0.35%
0.35%
$500.00
$500.00
 
12 - 35 Months
0.60%
0.60%
$500.00
$500.00
 
36 - 47 Months
1.00%
1.00%
$500.00
$500.00
 
48 - 59 Months
1.25%
1.25%
$500.00
$500.00
 
60 Months
1.50%
1.50%
$500.00
$500.00

 
IRA Certificates
 
Account Type
Dividend Rate
APY*
Min. Initial Deposit
Min. Balance¤

06 - 11 Months
0.35%
0.35%
$500.00
$500.00
 
12 - 35 Months
0.60%
0.60%
$500.00
$500.00

* Annual Percentage Yeild
** There is a $400 average daily balance, however there is no minimum balance, no service fees, free HiTel FCU custom checks with direct deposit, age 55+, or $50,000+ on deposit at the Credit Union.
¤ Minimum average monthly daily balance to avoid service fees.
All rates are subject to change without notice and are effective as of January 01, 2015.

Regular share certificate rates are simple interest paid monthly.
IRA certificate rates are compounded and paid monthly.
HiTel FCU may have rate specials not listed. Please ask for more details.

If you need more information about any of our accounts, please email New Accounts at newaccounts@hitelfcu.com or call 1-808-832-8700.