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Certificates & IRA

Certificate Account

Certificates are offered in a variety of short and long terms to suit every client's financial and banking needs.

Dividends are paid monthly and can be transferred to a share account, or a dividend check can be mailed to a specified address.

IRA Share Certificate Account

IRA Share Certificates offer higher dividend rates on 1 and 2-year term certificates along with the tax advantages of IRA Share Accounts.

The minimum balance to open an IRA Share Certificate is $1,000. Dividends are paid monthly to the IRA Share Account.

IRA Share Account

IRA accounts are available as a personal tax-sheltered retirement plan.

IRAs are used to reduce present taxes and to build for a more secure future. HCEFCU offers a variety of IRA plans that will fit your individual needs, including Roth IRA & Coverdell Education Savings Account.

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