HUD Federal Credit Union Deposit Accounts
You can continue using your deposit accounts with confidence, knowing we're committed to making this transition as smooth and seamless as possible.
Savings Accounts
Share Savings
Share Savings Base account that opens credit union membership.
- $5 initial deposit and minimum balance
- No monthly fees
- Online and Mobile Banking access
Rainy Day Savings Account
An account to prepare for the unexpected - a little at a time.
- Higher earnings - 2.27% APY on balances up to $5,000
- Monthly deposits limited to $1,000 to encourage regular saving
- Easy, flexible access to funds
Checking Accounts
Share Draft (Regular) Checking Account
Convenience and flexibility with no monthly maintenance fees.
- No minimum balance requirement
- Visa® debit card
- Free Bill Pay
- Overdraft protection
- 30,000+ surcharge-free ATMs
Prime Time Checking
Special checking advantages for members over 50 years of age.
- No minimum balance requirements
- Earn competitive dividends on balances
- Visa® debit card
- Free Bill Pay
- Overdraft protection
- 30,000+ surcharge-free ATMs
Money Market, Share Certificates and IRAs
Money Market Account
Earn higher dividends while keeping balances accessible.
- Earn competitive dividends on balances of $2,500 or more
- No monthly fees
- Up to six withdrawals per month
Share Certificates
Earn a higher, guaranteed return for a set time frame.
- Earn a higher dividend by locking in a set term
- $1,000 minimum balance
- Build up your balance over time with a Share Builder Certificate option
IRA Account
Start planning for the future, and saving for the future.
- Roth and Traditional IRA options
- Grow balances with potential tax advantages
Youth and Club Accounts
Youth Account
Start growing funds for their bright future.
- No monthly fees
- $50 minimum balance requirement
- Must have one custodian on the account
- For minors under age 18
Club Accounts
Set aside focused savings for holidays, vacations and more.
- No minimum balance
- Access funds at any time
- Personalize account name to encourage saving
| Account Type | Rate | APY* |
|---|---|---|
Regular Shares (Savings) |
0.05% |
0.05% |
Regular Checking (Share Draft) |
0.00% |
0.00% |
Prime Time Share Draft (Prime Time Checking) |
0.05% |
0.05% |
Club Savings |
0.05% |
0.05% |
Rainy Day Savings** |
2.25% |
2.27% |
Regular IRA |
0.10% |
0.10% |
Roth IRA |
0.10% |
0.10% |
Regular Shares (Savings)
0.05%
0.05%
Regular Checking (Share Draft)
0.00%
0.00%
Prime Time Share Draft (Prime Time Checking)
0.05%
0.05%
Club Savings
0.05%
0.05%
Rainy Day Savings**
2.25%
2.27%
Regular IRA
0.10%
0.10%
Roth IRA
0.10%
0.10%
*APY = Annual Percentage Yield. Rates are current as of .
**Rainy Day Savings rate of 2.25% APY on first $5000 deposited. Balances over $5000 earn the regular share rate of .05%. $1,000 maximum monthly deposit.
| Offered Rates APY* | 6 Month | 12 Month | 24 Month | 36 Month | 48 Month | 60 Month |
|---|---|---|---|---|---|---|
$1,000-$10,000 |
2.55% |
3.70% |
3.70% |
3.70% |
3.70% |
3.70% |
$10,001-$50,000 |
2.60% |
3.75% |
3.75% |
3.75% |
3.75% |
3.75% |
$50,000 or over |
2.60% |
3.75% |
3.75% |
3.75% |
3.75% |
3.75% |
$1,000-$10,000
2.55%
3.70%
3.70%
3.70%
3.70%
3.70%
$10,001-$50,000
2.60%
3.75%
3.75%
3.75%
3.75%
3.75%
$50,000 or over
2.60%
3.75%
3.75%
3.75%
3.75%
3.75%
*APY = Annual Percentage Yield Minimum opening deposit of $1,000 Dividends credited quarterly Additional deposit not allowed Withdrawal allowed within 90 days without penalty – penalties may apply after 90 days Renewable automatically Share Certificate Builder Rate is .75% for one year. Rates are current as of .
| Balance | Rate | APY* |
|---|---|---|
$0-$2,499 |
0.797% |
0.80% |
$2,500-$24,999 |
0.797% |
0.80% |
$25,000-$49,999 |
0.847% |
0.85% |
$50,000-$99,999 |
0.896% |
0.90% |
$100,000 or over |
0.995% |
1.00% |
$0-$2,499
0.797%
0.80%
$2,500-$24,999
0.797%
0.80%
$25,000-$49,999
0.847%
0.85%
$50,000-$99,999
0.896%
0.90%
$100,000 or over
0.995%
1.00%
*APY = Annual Percentage Yield. Rates are current as of .
| Offered Rates APY* | 6 Month | 12 Month | 24 Month | 36 Month | 48 Month | 60 Month |
|---|---|---|---|---|---|---|
$1,000-$10,000 |
2.55% |
3.70% |
3.70% |
3.70% |
3.70% |
3.70% |
$10,001-$50,000 |
2.60% |
3.75% |
3.75% |
3.75% |
3.75% |
3.75% |
$50,000 or over |
2.60% |
3.75% |
3.75% |
3.75% |
3.75% |
3.75% |
$1,000-$10,000
2.55%
3.70%
3.70%
3.70%
3.70%
3.70%
$10,001-$50,000
2.60%
3.75%
3.75%
3.75%
3.75%
3.75%
$50,000 or over
2.60%
3.75%
3.75%
3.75%
3.75%
3.75%
*APY = Annual Percentage Yield Fees could reduce earnings Rates are subject to change without notice. Rates are current as of .