Deposit Rates

Money Market Savings
IRA Money Market Savings
Club Accounts
Term Share Certificates

 

Current Dividend Rates - Effective April 1, 2014

Current Savings Rates

Product

Minimum
Opening Balance

Dividend Rate

APY*

Minimum Balance
to obtain APY

Share Savings

$5.00

0.10%

0.10%

$10.00

Basic Checking

$5.00

n/a

n/a

n/a

Crimson Essentials Checking

$5.00

n/a

n/a

n/a

Crimson Advantage Checking

$5.00

n/a

n/a

n/a

Crimson  Elite Checking

$5.00

0.05%

0.05%

$1,500.00

Money Market
Savings Account

$1,500.00

Over $250k = 0.20%
$100k - $249,999.99 = 0.20%
$50k - $99,999.99 = 0.15%
$25k - $49,999.99 = 0.15%
$5k - $24,999.99 = 0.10%
$1,500 - $4,999.99 = 0.10%
Less than $1,500 = 0.10%

0.20%
0.20%
0.15%
0.15%
0.10%
0.10%
0.10%

$10.00

IRA Money Market

 n/a

Over $250k = 0.20%
$100k - $249,999.99 = 0.20%
$50k - $99,999.99 = 0.15%
$25k - $49,999.99 = 0.15%
$5k - $24,999.99 = 0.10%
$1,500 - $4,999.99 = 0.10%
Less than $1,500 = 0.10%

0.20%
0.20%
0.15%
0.15%
0.10%
0.10%
0.10%

$10.00

* Annual Percentage Yield. Rates on the above accounts may change after an account is opened. Fees may reduce earnings.

 

Fixed Terms
Special Occasion (Club) Accounts

Product

Minimum
Opening Balance

Dividend Rate
(based on a $10.00
minimum daily balance)

APY*

Holiday Club
From 11/1 to 10/31

$1.00

0.25%

0.25%

Vacation Club
From 5/1 to 4/30

$1.00

0.25%

0.25%

 

Term Share Certificates (Regular Term Certificates, IRA, Roth IRA, Coverdell ESA Certificates)

Product

Minimum
Opening Deposit

Regular Certificate Dividend Rate

APY*

IRA/ROTH/ESA Certificate Dividend Rate

APY*

3 Month Certificate

$1,000.00

0.20%

0.20%

term not available

n/a

6 Month Certificate

$1,000.00

0.25%

0.25%

0.25%

0.25%

9 Month Certificate

$1,000.00

0.30%

0.30%

term not available

n/a

12 Month Certificate

$1,000.00

0.35%

0.35%

0.35%

0.35%

18 Month Certificate

$1,000.00

0.50%

0.50%

0.50%

0.50%

24 Month Certificate

$1,000.00

0.65%

0.65%

0.65%

0.65%

36 Month Certificate

$1,000.00

0.80%

0.80%

0.80%

0.80%

60 Month Certificate

$1,000.00

1.15%

1.15%

1.15%

1.15%

* Annual Percentage Yield. Early withdrawal penalties will be imposed. The APY assumes principal and interest remain on deposit until maturity. Minimum daily balance of $1,000 must be maintained to earn posted APY on all certificates. Early withdrawal will reduce earnings.
The Crimson Elite bonus adds an additional 0.10% to the dividend rate and APY.


IMPORTANT NOTES:

Share Savings & Money Market Savings
Accounts

Check and cash withdrawals can be made at the same time. Regulatory limitations on third party transfers apply.

Checking Accounts

Cash can be withdrawn from a branch by presenting a valid identification. It is not necessary to use a check to make a cash withdrawal.

Club Accounts

Withdrawals are not permitted.

Term Share Certificates

Deposits are not permitted after the initial deposit. Withdrawals may be permitted but the early withdrawal penalty will be assessed.

I.R.A. Accounts

Deposits and withdrawals to an Individual Retirement Account (I.R.A.) are governed by the custodial agreement and I.R.S. regulations regarding I.R.A.s.

For more information, you can email us or call 617-495-4460.
HUECU is an equal opportunity lender. By state law, all applications for loans must be in writing. Other stipulations may apply. Subject to Credit Approval.
All rates are subject to change without notice.