Dividend Rates

*APY equals annual percentage yield

Fees may reduce earnings on the account, Please see the Fee Schedule. Dividend rates on Share Savings and Christmas Club accounts are variable and may change at the discretion of the Board of Directors of HealthCare First Credit Union. Regular Share Savings accounts and Christmas Club accounts require a minimum balance of $5.00 to open the account. The stated APY will be applied to the average daily balance in the Share Savings and Christmas Club accounts and will be paid quarterly. You must maintain a balance of $5.00 in the account to earn the stated dividend. Accrued dividends will be forfeited should the account be closed before dividends are credited.

The stated rate will be paid until the certificate matures. Dividends are credited to the account monthly, quarterly, or at maturity. Share Certificates and IRA certificates will automatically renew for the original term at the stated rate in effect at the time of renewal. The following penalties may be imposed for early withdrawal:

1. For Share Certificates with a term of less than one year, a penalty equivalent to one month’s accrued interest may be charged.
2. For Share Certificates or IRA Certificates with a term of one year or more, a penalty equivalent to three month’s of accrued interest may be charged.

Rates are subject to change without notice — please call to confirm today’s rates.