DEPOSIT RATES

iSAVE Accounts

Share Savings

IRA

Certificates

Money Market Accounts

Share Draft

Vacation & Christmas Club

Rates effective March 1, 2024

BHCU offers a variety of savings products at competitive rates. All deposits are insured up to $250,000.00 by the National Credit Union Association (NCUA) and $250,000.00 by Excess Share Insurance (ESI), for a total of $500,000.00.

iSAVE/Youth iSAVE accounts

AccountDividendAPY¹
iSAVE Savings² (w/ active iSAVE Free Checking³)3.69%3.75%
iSAVE Savings²2.72%2.75%
iSAVE Checking0.10%0.10%
Student & Youth iSAVE Savings⁴
3.69%3.75%
iSAVE Money Market⁵ with active iSAVE Checking³1.24%1.25%
iSAVE IRA with active iSAVE Checking⁶2.96%3.00%

Share Savings

Share SavingsClassic
Most Recent Quarter Dividend (adjusted quarterly at the end of the quarter)DividendAPY¹
Fourth Quarter Dividend (Adjusted Quarterly at the end of the quarter) $5.00 to $99,999.99 0.10%0.10%
$100,000.00 to $249,999.99 0.10%0.10%
$250,000.00 and over.0.15%0.15%

IRA’s

IRA⁷ClassicPremier
Most Recent Quarter Dividend (adjusted quarterly at the end of the quarter)DividendAPY¹DividendAPY¹
$100.00 to $99,999.99 0.85%0.85%1.00%1.00%
$100,000.00 to $499,999.99 0.90%0.90%1.15%1.15%
$500,000.00 and above 1.00%1.00%1.20%1.20%

Certificates

Share Term Certificates and IRA Share Term CertificatesRegular
 DividendAPY¹
3 Months4.00%4.00%
8 Months4.75%4.75%
14 Months4.67%4.75%
26 Months3.70%3.75%
38 Months3.46%3.50%
50 Months3.46%3.50%
62 Months3.46%3.50%
74 Months2.97%3.00%
86 Months2.97%3.00%
98 Months2.97%3.00%

Money Market Accounts

Money MarketClassic Premier
 DividendAPY¹DividendAPY¹
$2,500.00 to $99,999.99 0.70%0.70%0.85%0.85%
$100,000.00 to $499,999.99 0.80%0.80%1.00%1.00%
$500,000.00 and over 0.80%0.80%1.05%1.05%

Share Draft

Share DraftDividendAPY¹
$0 - $2,499.990.00%0.00%
$2,500 and over0.05%0.05%

Vacation & Christmas Club

Vacation & Christmas ClubDividendAPY¹
$0 and over.50%.50%

¹APY is Annual Percentage Yield. Fees may reduce earnings.  Contact a member service representative for further information about applicable fees and terms.  For variable rate accounts, the rate may change after the account is opened. Early withdrawals on Share Term Certificates are subject to a penalty.  If you withdraw any funds before the maturity date, BHCU will impose a penalty equal to 90 days of dividends on you Share Term Certificate.  We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date.  If your account has not earned enough dividends to cover the early withdrawal penalty, all dividends will be forfeited.

²Must be new money.  New money is money not currently on deposit at BHCU.  To obtain APY you cannot exceed one (1) withdrawal in the month, must have at least one automatic deposit funding (ACH), and must be enrolled in online banking and E-statements.  If any of the account conditions are not met for the month, the dividend and APY for the month is adjusted to the lowest Classic Share Savings rate.

³To be considered an active iSAVE checking you must at complete at least one qualifying transaction in the month.  A qualifying transaction is an ACH into your iSAVE checking, make a payment using bill pay from your iSAVE checking, or make a debit card purchase from your iSAVE checking.

⁴ Must be new money.  New money is money not currently on deposit at BHCU.  To obtain APY you cannot exceed one (1) withdrawal in the month.  If more than one (1) withdrawal occurs in the month the dividend and APY for the month is adjusted to the lowest Classic Share Savings rate.  Account exclusive to BHCU members under the age of 18.  Initial deposit cannot exceed $5,000.  Monthly deposits cannot exceed $1,000.

⁵iSAVE Money Market must be opened with new money not currently on deposit at BHCU. Individual Retirement Accounts are not eligible. Limit of one iSAVE Money Market account per member. To obtain dividend and APY you must have an active iSAVE checking³. A base dividend of 0.300% APY, will be applied if you do not have an active iSAVE checking³.

*CD’s with iSAVE Boost must be opened with new money (money currently on deposit at BHCU will be considered eligible if the balance to be transferred is increased by 20%) and required an active iSAVE Savings account. An active iSAVE Savings account is funded with new money only (not currently on deposit at BHCU), has a monthly automatic monthly deposit (ACH), does not exceed one (1) withdrawal in a month, and is enrolled in online banking and E-statements. Program is subject to change or cancellation at any time. Federally Insured by NCUA

⁶APY is Annual Percentage Yield effective March 1, 2024 and is subject to change. ¹Advertised APY is for new accounts guaranteed for 12 months and subject to change after the introductory period. Fees may reduce earnings. Account must be opened and funded with new money only (not currently on deposit at BHCU). Limit of one iSAVE IRA account per member. Promotional introductory rate and terms are subject to change or cancellation at any time, contact BHCU for details. ²After the introductory period to obtain dividend and APY, you must be the primary owner of an active iSAVE Checking account. To be considered an active iSAVE Checking, you must complete at least one qualifying transaction in the month. A qualifying transaction is an ACH into your iSAVE Checking, make a payment using bill pay from your iSAVE Checking, or make a debit card purchase from your iSAVE Checking. To open or contribute to a traditional IRA, you and/or your spouse if you file a joint return, must have taxable compensation, such as wages, salaries, commissions, tips, bonuses, or net income from self-employment. The limit on annual contributions to an IRA increased to $7,000 for 2024.  Contributions for IRA owners over 50 years of age depend upon many factors, please consult your tax advisor or accountant for additional information.

⁷To open or contribute to a traditional IRA, you and/or your spouse if you file a joint return, must have taxable compensation, such as wages, salaries, commissions, tips, bonuses, or net income from self-employment. The limit on annual contributions to an IRA increased to $7,000 for 2024.  Contributions for IRA owners over 50 years of age depend upon many factors, please consult your tax advisor or accountant for additional information.

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