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Rates

Checking & Savings Rates

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


Checking & Savings Rates

Prospective Dividend and Annual Percentage Yield

Dividends are compounded daily and credited quarterly except where notated.

Effective April 1, 2014

SAVINGS
ACCOUNTS
Minimum
Balance*
Dividend Rate / APY**
Main Share (1) $50.00 0.10% / 0.10%
Holiday Club (3) None 0.10% / 0.10%
Escrow Share (4) None 0.10% / 0.10%
Daily Savings (8) $0.01 0.10% / 0.10%
High Yield (7) $1,000.00 0.15% / 0.15%
Premium Yield (9) $75,000.00 0.25% / 0.25%
Ultimate Yield (17) $150,000 0.35% / 0.35%
You Name It (12-13) $0.01 0.10% / 0.10%
Non-Dividend Earning1
(Main 02, Daily 11, Checking 51)
$0.01 N/A / N/A

 

CHECKING
ACCOUNTS
Minimum
Balance*
Dividend Rate / APY**
Free Checking None 0.05% / 0.05%
Premier Checking None 0.05% / 0.05%
Primary Checking1 None N/A / N/A
Health Savings Checking None 0.15% / 0.15%

* 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.

Term Share Account (Certificate of Deposit)

  • Earn competitive rates on Term Share Accounts (Certificates of Deposit)

  • 6, 12, 24 and 36 month terms

  • $1,000; $50,000; and $99,000 minimum deposit


Youth Term Share Rates (Ages 0-17)

Current Dividend and Annual Percentage Yield Rates

Dividends are compounded daily and credited quarterly except where notated.

Effective April 1, 2014

TermMinimum
Balance*
Dividend Rate / APY**
6 month $100.00 0.15% / 0.15%
12 month $100.00 0.20% / 0.20%
24 month $100.00 0.45% / 0.45%
36 month $100.00 0.55% / 0.55%

*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 quarterly except where notated.

EFFECTIVE April 1, 2014

Term Share Account

TermMinimum
Balance*
Dividend Rate / APY**
6 month $1,000.00 0.20% / 0.20%
12 month $1,000.00 0.25% / 0.25%
24 month $1,000.00 0.50% / 0.50%
36 month $1,000.00 0.70% / 0.70%

Mini-Jumbo

TermMinimum
Balance*
Dividend Rate / APY**
6 month $50,000.00 0.25% / 0.25%
12 month $50,000.00 0.30% / 0.30%
24 month $50,000.00 0.60% / 0.60%
36 month $50,000.00 0.80% / 0.80%

Jumbo

TermMinimum
Balance*
Dividend Rate / APY**
6 month $99,000.00 0.30% / 0.30%
12 month $99,000.00 0.35% / 0.35%
24 month $99,000.00 0.70% / 0.70%
36 month $99,000.00 0.90% / 0.90%

*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.

Share Accounts Information and Disclosures Booklet


IRA Account Rates

IRA Account Prospective Dividend and Annual Percentage Yield Rates

Dividends are compounded daily and credited monthly.

Effective April 1, 2014

INDIVIDUAL RETIREMENT ACCOUNTMinimum
Balance*
Dividend Rate / APY**
(20) Contributory IRA $100.00 0.25% / 0.25%
(21) Spousal IRA $100.00 0.25% / 0.25%
(22) SEP IRA $100.00 0.25% / 0.25%
(23) Rollover IRA $100.00 0.25% / 0.25%
(24) ROTH IRA Accumulative $100.00 0.25% / 0.25%
(25) ROTH IRA Rollover $100.00 0.25% / 0.25%

*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 April 1, 2014

IRA Term Share Account

TermMinimum
Balance*
Dividend Rate / APY**
12 month $1,000.00 0.35% / 0.35%
24 month $1,000.00 0.65% / 0.65%
36 month $1,000.00 0.90% / 0.90%

Mini-Jumbo

TermMinimum
Balance*
Dividend Rate / APY**
12 month $50,000.00 0.40% / 0.40%
24 month $50,000.00 0.70% / 0.70%
36 month $50,000.00 0.95% / 0.96%

Jumbo

TermMinimum
Balance*
Dividend Rate / APY**
12 month $99,000.00 0.45% / 0.45%
24 month $99,000.00 0.85% / 0.85%
36 month $99,000.00 1.00% / 1.01%

View IRA contribution limits for 2013

* 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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