Savings Account

We’re here to help you build a stronger financial future.

At HHCU, we believe saving should be simple, stress free, and rewarding. Every decision we make is designed to help you keep more of what is yours. Your Savings Account comes with no monthly fees or hidden costs, so you can focus on what truly matters most—growing your money and your peace of mind. All it takes is a five dollar deposit to secure your membership and start building your future today.

Payroll Deduction
No minimum balance requirement (other than their $5 membership share)
Online transfers
Automatic transfers

Savings Rates

Checking Rates

Type	Balance	Dividend Rate	APY*
FREE Checking	Average balance of less than $1,000	0.00	0.00
FREE Checking	Average balance of $1,000 or more	0.05	0.05
Smart Spending (Teen Checking)	Average balance of less than $1,000	0.00	0.00
Smart Spending (Teen Checking)	Average balance of $1,000 or more	0.05	0.05
Rates may change after account is opened. Rates effective as of 9/12/2026 $1,000 minimum balance required to earn APY. (APY = Annual Percentage Yield.)

Savings

Type	APY	Dividend Rate
Regular Savings	0.10%	0.10
Club Accounts**	0.10%	0.10
Goal-Based Savings	0.00%	0.00
Fees may reduce earnings on the account. Rates may change after the account is opened. $5 minimum balance required to open account. $0.01 minimum balance required to earn APY. Dividends are calculated quarterly and paid quarterly. *Club Account rates apply to all Club Accounts, including our retired “Christmas Club” and “Vacation Club” accounts, unless otherwise stated. Rates effective as of 9/12/2026

Certificates

Term	Minimum Deposit	Dividend Rate	APY
60 month	$10,000.00	3.50	3.56%
60 month	$500.00	3.25	3.30%
48 month	$10,000.00	3.50	3.56%
48 month	$500.00	3.25	3.30%
36 month	$10,000.00	3.25	3.56%
36 month	$500.00	3.25	3.30%
30 month	$10,000.00	3.50	3.56%
30 month	$500.00	3.25	3.30%
24 month	$10,000.00	3.50	3.56%
24 month	$500.00	3.25	3.30%
18 month	$10,000.00	3.25	3.30%
18 month	$500.00	3.00	3.04%
12 month	$10,000.00	3.25	3.30%
12 month	$500.00	3.00	3.04%
12 month Save to Win	$25.00	3.00	3.04%
6 month	$10,000.00	3.25	3.30%
6 month	$500.00	3.00	3.04%
5 month special**	$5,000.00	3.69	3.75%
3 month	$10,000.00	1.20	1.21%
3 month	$500.00	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. Dividends are calculated monthly and paid monthly. **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 05/29/2025. Rates updated on 9/12/2026.

Money Market

Balance	Dividend Rate	APY
$250,000 - Above	2.15	2.17%
$100,000 - $249,999	1.80	1.81%
$50,000 - $99,999	1.50	1.51%
$25,000 - $49,999	1.05	1.06%
$10,000 - $24,999	0.85	0.85%
$2,500 - $9,999	0.65	0.65%
$0 - $2,499	0	0.00%
* 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. *Dividends are calculated monthly and paid monthly. Rates effective as of 9/12/2026

High Yield Money Market

Balance	Dividend Rate	APY*
$3,000,000 - Above	3.98	4.05
$1,000,000 - $2,999,999	3.78	3.85
$500,000 - $999,999	3.49	3.55
$250,000 - $499,999	3.11	3.15
$5,000 - $249,999	0.05	0.05
APY = Annual Percentage Yield. Rates are effective as of 9/12/2026. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply. Dividends are calculated monthly and paid monthly. Rates effective as of 9/12/2026

IRA Money Market

Balance	Dividend Rate	APY*
$250,000 - Above	2.15	2.17
$100,000 - $249,999	1.80	1.81
$50,000 - $99,999	1.50	1.51
$25,000 - $49,999	1.05	1.06
$10,000 - $24,999	0.85	0.85
$2,500 - $9,999	0.65	0.65
$0 - $2,499	0	0
APR = Annual Percentage Rate. APY= Annual Percentage Yield. Dividends are calculated monthly and paid monthly. Rates effective as of 9/12/2026

HSA

Type	APY	Dividend Rate
Type APY Dividend Rates Health Savings Account	0.60%	0.60
* Rates may change after the account is opened. * $5 minimum balance required to open account. * $0.01 minimum balance required to earn APY. *Dividends are calculated monthly and paid monthly. Rates effective as of 9/12/2026

Type

APY

Dividend Rate

Type APY Dividend Rates Health Savings Account

0.60%

0.60

* Rates may change after the account is opened.

* $5 minimum balance required to open account.

* $0.01 minimum balance required to earn APY.

*Dividends are calculated monthly and paid monthly.

Rates effective as of 9/12/2026

Save To Win Certificate

Term	Minimum Deposit	Dividend Rate	APY
12 month Save to Win	$25.00	2.10	2.12%
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. Dividends are calculated monthly and paid monthly. Rates updated on 9/12/2026.

Term

Minimum Deposit

Dividend Rate

APY

12 month Save to Win

$25.00

2.10

2.12%

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.

Dividends are calculated monthly and paid monthly.

Rates updated on 9/12/2026.