Invest In HHCU's Short-Term Savings Solutions

Maximize Your Savings: Choose What’s Right for You

Flexibility or Fixed Returns? Discover the Best Savings Solution for Your Needs

Money Market Accounts

Term Length: Flexible access

Minimum Balance: No minimum to open

Dividend Rates: Earn dividends with balances of $2,500+

Withdrawal Flexibility: Withdraw anytime without penalties

Monthly Service Fee: $2 on balances less than $1,000*

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Certificates

Term Length: 3 months to 5 years

Minimum Balance: Starts at $500 for opening

Dividend Rates: Higher fixed dividend rate for the term

Withdrawal Flexibility: Early withdrawals incur a dividend penalty

Monthly Service Fee: None, but early withdrawal penalties apply

Start Your Certificate Application

Don’t let commitment fears hold you back from earning on your savings. Whether you’re seeking the flexibility of a Money Market Account or the assured returns of a Certificate, Hoosier Hills Credit Union has a short-term savings solution tailored for you. Invest smartly with us and watch your savings grow.

Compare Rates

Savings Rates

Certificates

Term	Minimum Deposit	Dividend Rate	APY
60 month	$10,000	3.50	3.56
60 month	$500	3.25	3.30
48 month	$10,000	3.50	3.56
48 month	$500	3.25	3.30
36 month	$10,000	3.50	3.56
36 month	$500	3.25	3.30
30 month	$10,000	3.50	3.56
30 month	$500	3.25	3.30
24 month	$10,000	3.50	3.56
24 month	$500	3.25	3.30
18 month	$10,000	2.35	2.38
18 month	$500	2.10	2.12
12 month	$10,000	2.35	2.38
12 month	$500	2.10	2.12
12 month Save to Win	$25	2.10	2.12
10 month special*	$5,000	3.69	3.75
6 month	$10,000	2.50	2.53
6 month	$500	2.25	2.27
5 month special**	$5,000	4.03	4.10
3 month	$10,000	1.20	1.21
3 month	$500	1.00	1.00

Deposits encouraged with the Save to Win certificate. Monthly and quarterly drawings held for cash prizes. Full terms and conditions available at hoosierhills.com/save-to-win/.

Penalties for early withdrawals may apply and fees may reduce earnings. Rate and terms are subject to change based on market conditions, borrower eligibility, collateral and other criteria.

*10 Month Certificate Special: APY=Annual Percentage Yield. Minimum balance of $5,000. Certificate will renew on maturity date for a 12-month term at then current rate. Early withdrawal penalties may apply. Not available for Public Funds. Federally insured by NCUA up to $250,000. Hoosier Hills Credit Union provides an additional $250,000 in coverage through ESI (Excess Share Insurance). Subject to cancellation at any time. Rates are effective as of 01/02/2025.

**5 Month Certificate Special: APY=Annual Percentage Yield. Minimum balance of $5,000. Certificate will renew on maturity date for a 6-month term at then current rate. Early withdrawal penalties may apply. Not available for Public Funds. Federally insured by NCUA up to $250,000. Hoosier Hills Credit Union provides an additional $250,000 in coverage through ESI (Excess Share Insurance). Subject to cancellation at any time. Rates are effective as of 01/02/2025.

Rates updated on 3-25-25.

Money Market

	Dividend Rate	APY
$250,000 - Above	2.60	2.63
$100,000 - $249,999	2.10	2.12
$50,000 - $99,999	1.95	1.97
$25,000 - $49,999	1.50	1.51
$10,000 - $24,999	1.30	1.31
$2,500 - $9,999	1.10	1.11
$0 - $2,499	0	0

* Rates may change after the account is opened.

* Fees may reduce earnings on the account.

* No minimum balance is due to open an account.

* $2,500 minimum balance required to earn dividend

* A $2.00 monthly service fee applies if month end balance falls below $1000.

Rates effective as of 12-1-24

Fraudulent Text Message Alert

Please be aware that fraudulent text messages are being sent by an unknown entity portraying themselves as HHCU. This scam seeks to verify a charge, and prompts the recipient to click a link to decline or cancel. Upon clicking the link, recipients are asked for their confidential login credentials.

To report this scam, verify the legitimacy of a text message alert, or if you have provided your confidential card or banking credentials to a fraudulent entity, please contact our Hoosier Hills Contact Center experts at 800.865.2612 or 812.279.6644, email us at info@hoosierhills.com, or notify your local Service Center.

Maximize Your Savings: Choose What’s Right for You

Money Market Accounts

Certificates

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Rates

Savings Rates

Certificates

Money Market

Fraudulent Text Message Alert

Maximize Your Savings: Choose What’s Right for You

Money Market Accounts

Certificates

Fraudulent Text Message Alert

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