APY = Annual Percentage Yield. Rates effective as of October 7, 2024. Fees may reduce earnings.
Kasasa Cash* Learn More
Balance | APY | Dividend Rate |
---|---|---|
0 - $25,000 | 4.000% | 3.922% |
$25,000+ | 0.250% | 0.250% |
All balances if qualifications not met | 0.010% | 0.010% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least one (1) ACH DEBIT Payment or Bill Pay transaction(s)
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
We understand life gets busy. If you don’t meet the qualifications one month, your account is still free and you can try again the following month.
Kasasa Saver‡ Back to Top Learn More
Balance | APY | Dividend Rate |
---|---|---|
0 - $25,000 | 3.000% | 2.956% |
$25,000+ | 0.250% | 0.250% |
All balances if qualifications not met | 0.010% | 0.010% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least one (1) ACH DEBIT Payment or Bill Pay transaction(s)
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
We understand life gets busy. If you don’t meet the qualifications one month, your account is still free and you can try again the following month.
Share Savings - Primary and Secondary Back to Top Learn More
Minimum Balance | APY | Dividend Rate |
---|---|---|
$0 - $499.99 | 0.00% | 0.00% |
$500.00 - $1,999.99 | 0.050% | 0.050% |
$2,000.00 - $4,999.99 | 0.050% | 0.050% |
$5,000.00 - $19,999.99 | 0.050% | 0.050% |
$20,000 or greater | 0.050% | 0.050% |
Polar Bear Kids Club and Teen Vision Club accounts automatically earn highest rate.
IRA Share Accounts Back to Top Learn More
Minimum Balance | APY | Dividend Rate |
---|---|---|
$25 | 0.200% | 0.200% |
Interest-Bearing Checking Back to Top Learn More
Minimum Balance | APY | Dividend Rate |
---|---|---|
$0 - $499.99 | 0.00% | 0.00% |
$500.00- $2,499.99 | 0.050% | 0.050% |
$2,500 or greater | 0.050% | 0.050% |
Minimum balance to earn dividends is $500. $10.00 monthly fee charge when balance below $500.
Club Accounts Back to Top Learn More
Account | Minimum Balance | APY | Dividend Rate |
---|---|---|---|
Holiday | No minimum balance | 0.050% | 0.050% |
Vacation | No minimum balance | 0.050% | 0.050% |
Summer | No minimum balance | 0.050% | 0.050% |
Youth Accounts Back to Top Learn More
Account | Minimum Balance | APY | Dividend Rate |
---|---|---|---|
Polar Bear | No minimum balance | 0.050% | 0.050% |
Teen Vision | No minimum balance | 0.050% | 0.050% |
Horizons Account Back to Top
Minimum Balance $25,000 | APY | Dividend Rate |
---|---|---|
$25,000 - $99,999.99 | 1.000% | 0.995% |
$100,000+ | 2.000% | 1.982% |
$10 monthly fee if account falls below the minimum balance of $25,000. No dividends are earned on the days that the account balance falls below the minimum balance.
Cash Management Account Back to Top
Minimum Balance | APY | Dividend Rate |
---|---|---|
$2,500.00 - $9,999.99 | 0.250% | 0.250% |
$10,000.00 or greater | 0.500% | 0.500% |
No dividends will be earned on the days that the minimum balance falls below $2,500.
Promotional Certificates Back to Top Learn More
Term | APY | Dividend Rate |
---|---|---|
|
4.65% | 4.549% |
APY offered as of 9/27/24
The Credit Union may discontinue this offer at any time.
Share Certificates $500 to $9,999.99 Back to Top Learn More
Term | APY | Dividend Rate |
---|---|---|
3 Month | 3.25% | 3.198% |
6 Month | 4.25% | 4.162% |
12 Month | 4.00% | 3.922% |
24 Month | 3.25% | 3.198% |
36 Month | 3.00% | 2.956% |
60 Month | 3.00% | 2.956% |
The minimum opening deposit for all share certificates is $500.
Share Certificates $10,000 to $24,999.99 Back to Top Learn More
Term | APY | Dividend Rate |
---|---|---|
3 Month | 3.25% | 3.198% |
6 Month | 4.25% | 4.162% |
12 Month | 4.00% | 3.922% |
24 Month | 3.25% | 3.198% |
36 Month | 3.00% | 2.956% |
60 Month | 3.00% | 2.956% |
The minimum opening deposit for all share certificates is $500.
Share Certificates $25,000 to $49,999.99 Back to Top Learn More
Term | APY | Dividend Rate |
---|---|---|
3 Month | 3.25% | 3.198% |
6 Month | 4.25% | 4.162% |
12 Month | 4.00% | 3.922% |
24 Month | 3.25% | 3.198% |
36 Month | 3.00% | 2.956% |
60 Month | 3.00% | 2.956% |
The minimum opening deposit for all share certificates is $500.
Share Certificates $50,000+ Back to Top Learn More
Term | APY | Dividend Rate |
---|---|---|
3 Month | 3.25% | 3.198% |
6 Month | 4.25% | 4.162% |
12 Month | 4.00% | 3.922% |
24 Month | 3.25% | 3.198% |
36 Month | 3.00% | 2.956% |
60 Month | 3.00% | 2.956% |
The minimum opening deposit for all share certificates is $500.
IRA Share Certificates $500 to $9,999.99 Back to Top Learn More
Term | APY | Dividend Rate |
---|---|---|
12 Month | 4.00% | 3.922% |
18 Month | 3.50% | 3.440% |
36 Month | 3.00% | 2.956% |
60 Month | 3.00% | 2.956% |
Minimum balance for IRA Share Certificates is $500.
IRA Share Certificates $10,000 to $24,999.99 Back to Top Learn More
Term | APY | Dividend Rate |
---|---|---|
12 Month | 4.00% | 3.922% |
18 Month | 3.50% | 3.440% |
36 Month | 3.00% | 2.956% |
60 Month | 3.00% | 2.956% |
Minimum balance for IRA Share Certificates is $500.
IRA Share Certificates $25,000 to $49,999.99 Back to Top Learn More
Term | APY | Dividend Rate |
---|---|---|
12 Month | 4.00% | 3.922% |
18 Month | 3.50% | 3.440% |
36 Month | 3.00% | 2.956% |
60 Month | 3.00% | 2.956% |
Minimum balance for IRA Share Certificates is $500.
IRA Share Certificates $50,000+ Back to Top Learn More
Term | APY | Dividend Rate |
---|---|---|
12 Month | 4.00% | 3.922% |
18 Month | 3.50% | 3.440% |
36 Month | 3.00% | 2.956% |
60 Month | 3.00% | 2.956% |
Minimum balance for IRA Share Certificates is $500.
Vehicle Loans - Rates current as of October 1, 2024 Back to Top Learn More
Loan Type | APR* | Term |
---|---|---|
Auto Loans - New, used and refi | As low as 6.390% | Up to 72 months |
Recreational Vehicle - New and used | As low as 6.390% | Up to 120 months |
Motorcycle - New, used and refi | As low as 6.990% | Up to 60 months |
*APR = Annual Percentage rate, 6.39% available on refinances from other institutions or new loans only. Subject to credit qualifications. HNCU makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.
For new car terms of 60 months estimated monthly payment of $720.02 per $40,000 borrowed. Minimum auto loan is $1,000. Payment is based on new car rate of 6.39% APR. Rate assumes LTV of 125% or less. Program subject to change without notice. Member conditions apply. 84-month used auto stipulations: Minimum loan amount is $25,000 and cannot be more than 2 years older than the current year, with FICO score of 760+.
Home Equity Loan - Rates current as of October 1, 2024 Back to Top Learn More
Loan Type | APR* | Max Term |
---|---|---|
Fixed Rate Home Equity | 7.750% | 5-year |
Fixed Rate Home Equity | 8.250% | 10-year |
*APR = Annual Percentage Rate. Rates and terms accurate as of 10/1/24. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For home equity line of credit terms of 60 months estimated monthly payment of $708.81 per $35,000 borrowed. Payment is based on home equity line of credit rate of 7.750%. Rate assumes LTV of 90% or less. Program subject to change without notice. Member conditions apply. All loans require a completed loan application and approved credit. Please refer to the Membership & Account Agreement, Truth-in-Savings Disclosures, Loan Agreements and Fee Schedule for specific account requirements and restrictions.
Second Mortgage - Rates current as of October 1, 2024 Back to Top Learn More
Loan Type | APR* | Max Term |
---|---|---|
Fixed Rate 2nd Mortgage | 7.750% | 5-year |
Fixed Rate 2nd Mortgage | 8.250% | 10-year |
Fixed Rate 2nd Mortgage | 8.750% | 15-year |
*APR = Annual Percentage Rate. Rates and terms accurate as of 10/1/24. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For a fixed rate 2nd mortgage terms of 60 months estimated monthly payment of $708.81 per $35,000 borrowed. Payment is based on fixed rate 2nd mortgage rate of 7.750%. Rate assumes LTV of 90% or less. Program subject to change without notice. Member conditions apply. All loans require a completed loan application and approved credit. Please refer to the Membership & Account Agreement, Truth-in-Savings Disclosures, Loan Agreements and Fee Schedule for specific account requirements and restrictions.
Annual Percentage Yields are accurate as of publication date and are subject to change without notice. Dividends are compounded daily and credited monthly on all accounts. The dividend period for all accounts is the calendar month. Additional deposits are not allowed on Share Certificates and IRA Share Certificates. Penalties apply for early withdrawal. Penalty may decrease principal. No monthly maintenance fee for Share Certificates and IRA Share Certificates. Please see Truth-in-Savings or Certificates disclosures for specific account requirements and restrictions.