Special Certificates

These Special Certificates are available for members and non-members.

New Money

Term

Dividend Rate

Annual Percentage Yield (APY)

15 Month 1.39% APR* 1.40% APY
30 Month 1.69% APR* 1.70% APY
60 Month 2.05% APR* 2.07% APY


*Offer applies to new & existing HRCCU members who open a CD with a minimum of $5,000 of new money (funds not currently on deposit at HRCCU).

Existing HRCCU Funds and New Money Under $5,000

Term

Dividend Rate

Annual Percentage Yield (APY)

15 Month 1.34% APR** 1.35% APY
30 Month 1.64% APR** 1.65% APY
48 Month 2.00% APR** 2.01% APY


**Offer applies to new & existing HRCCU members who open a CD with a minimum of $500.

60 Month IRA Transfer Special

Term

Dividend Rate

Annual Percentage Yield (APY)

60 Month 2.23% APR*** 2.25% APY


***Offer applies to new & existing HRCCU members who open a 60 month IRA CD with a minimum of $10,000 in new money (funds not currently on deposit at HRCCU)

For more information, contact member services at 518.654.9028 or fill out the form to have a representative contact you today!

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 APR = Annual Percentage Rate. APY = Annual Percentage Yield. Dividends are compounded quarterly and paid on the last day of the quarter.  Fees may reduce earnings. For Share Certificates, penalties may apply for early withdrawal. Please refer to your Terms and Disclosures for more detailed savings information. Annual Percentage Yields shown are effective as of 2/13/17.
 
Certificate Renewal Policy:
Share certificates automatically renew at the time of maturity. HRCCU will provide 30 days notice prior to the maturity date. If you do not contact HRCCU on or before the maturity date, the account will renew for the term stated, at the rate current at the time of renewal. For certificates with maturities of greater than 90 days, you will have a 10-day grace period after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

Fees

Early withdrawal penalties:
Hudson River Community Credit Union may impose a penalty if you withdraw any of the funds before the maturity date. The penalty will equal up to 90 days of dividends on your deposit of less than 12 months and up to 180 days of dividends for deposits of up to 5 years. The penalty on 15, 30, 48, and 60 month Special Certificates will equal up to 365 days of dividends on your deposit.