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Rates

Checking & Savings Rates

Savings Rates
Checking Rates
Youth Term Share Rates
Term Share Rates
IRA Account Rates and IRA Term Share Rates


Checking & Savings Rates

Prospective Dividend and Annual Percentage YieldDatatrac Seal

Savings dividends are compounded daily and credited quarterly except where notated.

Effective July 1, 2018

SAVINGS
ACCOUNTS
Minimum
Balance*
Dividend Rate / APY**
Main Share  $50.00 0.20% / 0.20%
Holiday Club  None 0.20% / 0.20%
Escrow Share  None 0.15% / 0.15%
Daily Savings $0.01 0.20% / 0.20%
High Yield Money Market $1,000.00 0.35% / 0.35%

Estimate Your Earnings   ➤

Premium Yield Money Market  $75,000.00 0.60% / 0.60%

Estimate Your Earnings   ➤

Ultimate Yield Money Market  $150,000.00 0.85% / 0.85%

Estimate Your Earnings   ➤

You Name It  $0.01 0.20% / 0.20%
Non-Dividend Earning1 $0.01 N/A / N/A

Checking dividends are compounded daily and credited monthly except where notated.

EFFECTIVE July 1, 2018

CHECKING
ACCOUNTS
Minimum
Balance*
Dividend Rate / APY**
Checking PLUS None 0.15% / 0.15%
Checking None 0.15% / 0.15%
Checking Restart1 None N/A / N/A
Health Savings Checking None 0.25% / 0.25%

* This is the minimum balance to open an account and the minimum daily balance to earn the posted Annual Percentage Yield (APY). The Dividend Rates and Annual Percentage Yields (APY) are variable rates. Dividends are based on the Credit Union's earnings at the end of a dividend period and thus cannot be declared in advance. Rates and terms are subject to change at any time. Please contact the Credit Union for further information. Non-Dividend earning accounts are available for Main Share, Daily Savings and Checking Accounts.

** Annual Percentage Yield

1Non-dividend earning accounts are available for Main Share, Daily Savings and Checking accounts.


Youth Term Share Rates (Ages 0-17)

Current Dividend and Annual Percentage Yield Rates

Dividends are compounded daily and credited monthly except where notated.

Effective July 1, 2018

TermMinimum
Balance*
Dividend Rate / APY**
6 month $100.00 0.40% / 0.40%
12 month $100.00 0.50% / 0.50%
24 month $100.00 0.70% / 0.70%
36 month $100.00 0.80% / 0.80%

*This is the minimum balance to open an account or Youth Term Share Account (formerly called Certificate of Deposit) and the minimum daily balance to earn the posted Annual Percentage Yield (APY). Term Share Accounts offered by Hughes Federal Credit Union are 6 Month Term - having 122 to 243 days to maturity; 12 Month Term - having 244 to 729 days to maturity; 24 Month Term - maturing two (2) calendar years from purchase date: 36 Month Term - maturing three (3) calendar years from the purchase date.  Partial withdrawals are not allowed.  Youth Term Share Accounts are for youth ages 0-17.  There is a substantial penalty for early withdrawal of Term Share Account (formerly called Certificate of Deposit) funds.  **Dividend Rates and Annual Percentage Yields (APY) are accurate as of the date of publication and are subject to change. Please contact the Credit Union for current rates or more information.

Children's Online Privacy Protection Act (COPPA)


Term Share Account Rates

Term Share Account Current Dividend and Annual Percentage Yield Rates

Dividends are compounded daily and credited monthly except where notated.

EFFECTIVE July 1, 2018

Term Share Account

TermMinimum
Balance*
Dividend Rate / APY**
6 month $1,000.00 0.70% / 0.70%
12 month $1,000.00 0.95% / 0.95%
24 month $1,000.00 1.25% / 1.26%
29 month $1,000.00 1.60% / 1.61%
36 month $1,000.00 1.75% / 1.77%

Mini-Jumbo

TermMinimum
Balance*
Dividend Rate / APY**
6 month $50,000.00 0.80% / 0.80%
12 month $50,000.00 1.05% / 1.06%
24 month $50,000.00 1.35% / 1.36%
29 month $50,000.00 1.70% / 1.71%
36 month $50,000.00 1.85% / 1.87%

Jumbo

TermMinimum
Balance*
Dividend Rate / APY**
6 month $99,000.00 0.90% / 0.90%
12 month $99,000.00 1.15% / 1.16%
24 month $99,000.00 1.45% / 1.46%
29 month $99,000.00 1.80% / 1.82%
36 month $99,000.00 1.95% / 1.97%

*This is the minimum balance to open a Term Share Account (formerly called Certificate of Deposit) and the minimum daily balance to earn the posted Annual Percentage Yield (APY). Term Share Accounts offered by Hughes Federal Credit Union are 6 Month Term - having 122 to 243 days to maturity; 12 Month Term - having 244 to 729 days to maturity; 24 Month Term - maturing two (2) calendar years from purchase date: 36 Month Term - maturing three (3) calendar years from the purchase date.  Partial withdrawals are not allowed.  There is a substantial penalty for early (premature) withdrawal of Term Share Account (formerly called Certificate of Deposit) funds.  **Dividend Rates and Annual Percentage Yields (APY) are accurate as of the date of publication and are subject to change.  Please contact the Credit Union for current rates or more information.

29 month Term Shares featured on DepositAccounts.com >

Share Accounts Information and Disclosures Booklet


IRA Account Rates

IRA Account Prospective Dividend and Annual Percentage Yield Rates

Dividends are compounded daily and credited quarterly.

Effective july 1, 2018

INDIVIDUAL
RETIREMENT ACCOUNT
Minimum
Balance*
Dividend Rate / APY**
Traditional IRA $100.00 0.60% / 0.60%
Traditional IRA Inherited $100.00 0.60% / 0.60%
SEP IRA $100.00 0.60% / 0.60%
ROTH IRA $100.00 0.60% / 0.60%
ROTH IRA Inherited $100.00 0.60% / 0.60%

*This is the minimum balance to open an account and the minimum balance to earn the posted Annual Percentage Yield (APY).  The Dividend Rates and Annual Percentage Yields (APY) are variable rates.  Dividends are based on the Credit Union's earnings at the end of a dividend period and thus cannot be declared in advance. Rates and terms are subject to change at any time.  There may be a government penalty for early withdrawal of IRA funds. **Dividend Rates and Annual Percentage Yields (APY) are accurate as of the date of publication and are subject to change.  Please contact the Credit Union for current rates or more information.


IRA Term Share Account Rates

IRA Term Share Account Current Dividend and Annual Percentage Yield Rates

Dividends are compounded daily and credited monthly.

Effective July 1, 2018

IRA Term Share Account

TermMinimum
Balance*
Dividend Rate / APY**
12 month $1,000.00 1.05% / 1.06%
24 month $1,000.00 1.40% / 1.41%
36 month $1,000.00 1.95% / 1.97%

Mini-Jumbo

TermMinimum
Balance*
Dividend Rate / APY**
12 month $50,000.00 1.10% / 1.11%
24 month $50,000.00 1.45% / 1.46%
36 month $50,000.00 2.00% / 2.02%

Jumbo

TermMinimum
Balance*
Dividend Rate / APY**
12 month $99,000.00 1.15% / 1.16%
24 month $99,000.00 1.50% / 1.51%
36 month $99,000.00 2.05% / 2.07%

* This is the minimum balance to open an IRA Term Share Account (or Certificate of Deposit) and the minimum daily balance to earn the posted Annual Percentage Yield (APY).  There is a substantial penalty for early (premature) withdrawal of IRA Term Share Account (formerly called Certificate of Deposit) funds. IRA Term Share Account Dividend Rates and Annual Percentage Yields (APY) are accurate as of the date of publication.  Please contact the Credit Union for current rates or more information.  There may be a government penalty for early withdrawal of IRA funds. IRA Term Share Accounts offered by Hughes Federal Credit Union are 12 Month Term - having 244 to 729 days to maturity; 24 Month Term - maturing two (2) calendar years from purchase date; 36 Month Term - maturing three calendar years from the purchase date. **Dividend Rates and Annual Percentage Yields (APY) are accurate as of the date of publication and are subject to change. Please contact the Credit Union for current rates or more information.

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