Deposit Rates

Rates effective September 1, 2020

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/ iSAVE Free Checking³)0.797%0.800%
iSAVE Savings²0.598%0.600%
iSAVE Checking0.150%0.150%
Youth iSAVE Savings⁴
0.598%0.600%
iSAVE Money Market⁵ with active iSAVE Checking³0.648%0.650%

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 0.100%0.100%
$100,000.00 to $249,999.99 0.150%0.150%
$250,000.00 and over.0.200%0.200%

IRA’s

IRAClassicPremier
Most Recent Quarter Dividend (adjusted quarterly at the end of the quarter)DividendAPY¹DividendAPY¹
$100.00 to $99,999.99 0.300%0.300%0.449%0.450%
$100,000.00 to $499,999.99 0.500%0.501%0.748%0.750%
$500,000.00 and above 0.500%0.501%0.847%0.850%

Certificates

Share Term Certificates and IRA Share Term Certificates

Share Term Certificates and IRA Share Term CertificatesRegularJumbo
 $500 - $99,999.99$100,000 and over
 DividendAPY¹DividendAPY¹
3 Months0.150%0.150%0.150%0.150%
8 Months0.250%0.250%0.250%0.250%
14 Months0.449%0.450%0.449%0.450%
26 Months0.549%0.550%0.549%0.550%
38 Months0.648%0.650%0.648%0.650%
50 Months0.748%0.750%0.748%0.750%
62 Months0.847%0.850%0.847%0.850%
74 Months0.897%0.900%0.897%0.900%
86 Months0.897%0.900%0.897%0.900%
98 Months0.897%0.900%0.897%0.900%

Money Market Accounts

Money MarketClassic Premier
 DividendAPY¹DividendAPY¹
$2,500.00 to $99,999.99 0.200%0.200%0.250%0.250%
$100,000.00 to $499,999.99 0.250%0.250%0.399%0.400%
$500,000.00 and over 0.349%0.350%0.499%0.500%

Share Draft

Share DraftDividendAPY¹
$0 - $2,499.990.000%0.000%
$2,500 and over0.100%0.100%

Vacation & Christmas Club

Vacation & Christmas ClubDividendAPY¹
$0 and over.500%.500%

¹APY is Annual Percentage Yield.  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.  For Share Certificates and IRA Share Certificates, a penalty will be imposed for early withdrawal.

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 0.499%, 0.500% APY, will be applied if you do not have an active iSAVE checking³.