|
Savings & Checking
Accounts
|
Dividend
Rate
|
Annual
Percentage Rate
|
Minimum
to Open
|
|
Regular Savings
$50 minimum balance required
to earn
a dividend
|
.60% | .60% | $50 |
| Special Savings | .90% | .90% | $1,000 |
|
Christmas, Vacation, Insurance
Club
|
.50% |
.50%
|
n/a |
| Money Market Checking | 1.05% | 1.05% | $1,000 |
|
IRA Accounts
|
Dividend
Rate
|
Annual
Percentage Rate
|
Minimum
to Open
|
| Traditional IRA | 1.29% | 1.30% | n/a |
| Roth IRA | 1.29% | 1.30% | n/a |
|
Coverdale IRA
|
1.29% |
1.30%
|
n/a |
|
Certifcate of Deposit
Accounts
|
Dividend
Rate
|
Annual
Percentage Rate
|
Minimum
to Open
|
| 6 Month Term* | 2.19% | 2.20% | $2,500 |
| 12 Month Term | 2.14% | 2.15% | $2,500 |
|
18
Month Term "Special"
Offer good on new money only..
existing money on deposit at
HSCU does not apply*
|
2.14% |
2.15%
|
$5,000 |
|
12 Month
Term
Buddy Bug Club Certificate
For Members 0-12 Yrs. of Age*
|
2.14% |
2.15%
|
$500 |
| Checking Accounts | Fee |
| Basic Checking | $4 per month |
|
Value Package
Only if your account does not have direct deposit of your net
payroll check or other monthly
recurring check such as
disability, social security, etc.
|
$0 with direct deposit,
otherwise $8 per month
|
|
Money Market
If balance falls
below $1,000 at any time during the month
|
$7 per month |
|
Money Market
Withdrawals in excess of six (6) per month
|
$5 per withdrawal |
|
Rebuilder
$10 savings deposit bi-weekly with no access by member
for 18 months
|
$7 per month |
| Non-sufficient funds / if electronic deposit made and drafts posts | $28 / $14 |
| Off-line Transfer | $1 |
| Stop Pay / Series of Drafts | $6.50 / $15 |
| Corporate Check Stop Pay | $10 |
| Draft Copy | $5 |
| Member purchases own drafts | Prices Vary |
| One page of counter checks upon opening account | No Charge |
| Each additional page of counter checks | $5 |
| Debit Check/ATM (Automated Teller Machine) Cards | Fee |
|
Unlimited use with your HSCU debit check card/ATM card
at machines owned by HSCU
|
No Charge |
|
Per
transaction: withdrawal, transfer, inquiries, etc.
5 transactions at no charge with the Value Package, E-Advantage
and DoubleNickel Accounts
|
$1 |
| Overdraft Fee | $28 |
| Card Replacement Fee | $5 |
|
Visa Gift Card
|
$2.50each |
| Miscellaneous | Fee |
| Deposited Item Returned Unpaid | $6 |
|
Corporate drafts made payable to someone other than the
member
|
$3 |
| Cashier's Draft | $5 |
| Money Order | $1.25 |
| Account History or Printouts | $5 |
| Special Handling of Account | $10 per hour |
| Check Cashing Fee | $5 |
| Balance Inquiry call when audio response is working | $2 |
|
VISA TravelMoney Card
*Ask a member service representative fordetails
|
$9.95 per card |
| Bill Pay- unlimited use, $2 one time set-up fee |
$4.99 per month
|
| Courtesy Pay | $28 |
| Notary Service | No charge |