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Savings Plans and Rates
As of May 9, 2008
(The APY and dividend rates are subject to change)
Click
here for our SAVINGS CALCULATOR
Click
here for on-line U.S. GOVERNMENT SAVINGS BOND PURCHASES AND INFO
|
SAVINGS PLANS |
ANNUAL |
ANNUAL |
| Regular Share Savings Account(1) |
|
|
|
$100 - $9,999.99 |
.50 %
|
.50 %
|
|
$10,000 - $49,999.99 |
.59 %
|
.60 %
|
|
$50,000 - and over |
.69 %
|
.70 %
|
| Christmas Club Share Savings Account(2) |
|
|
|
$0 - $9,999.99 |
.50 %
|
.50 %
|
|
$10,000 - $49,999.99 |
.59 %
|
.60 %
|
|
$50,000 - and over |
.69 %
|
.70 %
|
|
Money
Market Share Savings Account(3)
rates effectiveApril 1, 2008 |
||
|
$1,000 - $9,999.99 |
1.24
%
|
1.25
%
|
|
$10,000 - $24,999.99 |
1.74
%
|
1.75
%
|
|
$25,000 - $49,999.99 |
2.37
%
|
2.40
%
|
|
$50,000 and over |
2.42
%
|
2.45
%
|
| Share Draft Checking Account(4) |
|
|
|
$500 - $2,499.99 |
.24 %
|
.25 %
|
|
$2,500 - $9,999.99 |
.45 %
|
.45 %
|
|
$10,000 - and over |
.59 %
|
.60 %
|
|
IRA
Savings Account(1)
rate effectiveJanuary 25, 2008 |
||
|
$100 - and over |
2.47 %
|
2.50 %
|
|
IRA
Certificates(5)
|
||
|
6
month certificate
|
2.62
%
|
2.65
%
|
|
12
month certificate
|
2.71
%
|
2.75
%
|
|
18
month certificate
|
2.86
%
|
2.90
%
|
|
24
month certificate
|
3.15
%
|
3.20
%
|
|
30
month certificate
|
3.25
%
|
3.30
%
|
|
36
month certificate
|
3.44
%
|
3.50
%
|
|
48
month certificate
|
3.59
%
|
3.65
%
|
|
60
month certificate
|
3.78
%
|
3.85
%
|
|
Share
Certificates(5)
|
||
|
3
month certificate
|
2.42 %
|
2.45
%
|
|
6
month certificate
|
2.62
%
|
2.65
%
|
|
12
month certificate
|
2.71
%
|
2.75
%
|
|
18
month certificate
|
2.86
%
|
2.90
%
|
|
24
month certificate
|
3.15
%
|
3.20
%
|
|
30
month certificate
|
3.25
%
|
3.30
%
|
|
36
month certificate
|
3.44
%
|
3.50
%
|
|
48
month certificate
|
3.59
%
|
3.65
%
|
|
60
month certificate
|
3.78
%
|
3.85
%
|
|
7 month certificate (Special, Non-Renewable).
Certificates $25,000 or more, add .15% APY |
2.96 %
|
3.00 %
|
|
13 month certificate (Special, Non-Renewable).
Certificates $25,000 or more, add .15% APY |
3.34
%
|
3.40
%
|
|
25 month certificate (Special, Non-Renewable).
Certificates $25,000 or more, add .15% APY |
3.44 %
|
3.50 %
|
FUNDS AVAILABILITY DISCLOSURE
Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit.
In some cases, we may delay your ability to withdraw funds. Then, the funds will be available by the seventh business day after the day of deposit.
|
SAVINGS PLANS - ADDITIONAL INFORMATION |
|
1Regular Share Savings Account - Minimum balance of $100 to earn dividends. Dividends compounded daily and paid monthly. Dividend rate and APY may change monthly as determined by the Board of Directors. Withdrawals and/or transfers exceeding 5 per month are charged $1.00 each. ATM withdrawals and/or transfers after 10 transactions per month are charged $1.00 each. Accounts under $100 having no member transactions on either savings or loan for a six-month period are assessed a fee of $5.00 each month. Fees or other conditions may reduce earnings. Accounts with aggregate balances less than $100 and no IHECU loans are assessed a fee of $1.00 each month. |
|
2Christmas Club Share Savings Account - No minimum balance to earn dividends. Dividends compounded daily and paid monthly. Minimum deposit - $2 per deposit. Dividend rate and APY may change monthly as determined by the Board of Directors. Balance transferred to Regular Shares on or about November 1st of each year. Fees or other conditions may reduce earnings. |
|
3Money Market Share Savings Account - Minimum balance of $1000 to earn dividends. Dividends compounded daily and paid monthly. Dividend rate and APY may change monthly as determined by the Board of Directors. Minimum withdrawal amount is $200. Fees or other conditions may reduce earnings. |
|
4Share Draft Checking Account - Minimum balance of $500 to earn dividends. Dividends compounded daily and paid monthly. Dividend rate and APY may change monthly as determined by the Board of Directors. There is a $5 fee for each month the balance falls below $100 unless combined IHECU accounts, excluding share draft checking total $1,500 or more. Withdrawals and/or transfers exceeding 5 per month are charged $1.00 each. ATM withdrawals and/or transfers after 10 transactions per month are charged $1.00 each. Accounts under $100 having no member transactions on either savings or loan for a six-month period are assessed a fee of $5.00 each month. Fees or other conditions may reduce earnings. |
|
5Share Certificates - Minimum deposit $1000. Dividends compounded daily and paid monthly and at maturity on a 365 day basis. APY based on annual capitalization of interest. APY subject to change daily. Various options for periodic payment of interest available. A withdrawal of dividends will reduce earnings. Automatically renewable at the current rate in effect at the time. A penalty will be imposed for early withdrawal. |