IRA and Share Certificate Rate Specials
| Offered Rates APY* | 6 Month | 12 Month |
|---|---|---|
| $1,000-$100,000 | 3.50% | 4.50% |
*Annual Percentage Yield (APY) accurate as of 7/1/2024 and applies to both 6- and 12-month IRA/Share Certificates. Minimum opening balance of $1,000; maximum opening balance of $100,000. Rates subject to change without notice. For all Certificates, APY assumes dividends remain on deposit until maturity. Early withdrawal penalties apply. Additional deposits not allowed. Fees may reduce earnings. No other bonuses apply. Dividends are compounded and credited quarterly. Membership eligibility required.
Share Certificate Rates
| Offered Rates APY* | 6 Month | 12 Month | 24 Month | 36 Month | 48 Month | 60 Month |
|---|---|---|---|---|---|---|
| $1,000-$10,000 | 0.15% | 0.20% | 0.70% | 0.80% | 0.90% | 1.15% |
| $10,001-$50,000 | 0.15% | 0.20% | 0.80% | 0.90% | 1.00% | 1.26% |
| $50,000 or over | 0.15% | 0.20% | 0.95% | 1.05% | 1.15% | 1.41% |
*APY = Annual Percentage Yield Minimum opening deposit of $1,000 Dividends credited quarterly Additional deposit not allowed Withdrawal allowed – with penalty Renewable automatically Dividend Rate Bonus of .25% APY available to our Loyalty Rewards Members. Share Certificate Builder Rate is .75% for one year
Dividend Rates
| 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% |
*APY = Annual Percentage Yield
**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.
Money Market Share Account
| Balance | Rate | APY* |
|---|---|---|
| $2,500-$24,999 | 0.15% | 0.15% |
| $25,000-$49,999 | 0.15% | 0.15% |
| $50,000-$99,999 | 0.15% | 0.15% |
| $100,000 or over | 0.15% | 0.15% |
*APY = Annual Percentage Yield Dividend Rate Bonus of .15% APY available to our Loyalty Rewards Members.
IRA Certificate Rates
| Offered Rates APY* | 6 Month | 12 Month | 24 Month | 36 Month | 48 Month | 60 Month |
|---|---|---|---|---|---|---|
| $1,000-$10,000 | 0.15% | 0.20% | 0.80% | 0.90% | 1.00% | 1.26% |
| $10,001-$50,000 | 0.15% | 0.20% | 0.80% | 1.00% | 1.10% | 1.36% |
| $50,000 or over | 0.15% | 0.20% | 1.05% | 1.15% | 1.26% | 1.51% |
*APY = Annual Percentage Yield Fees could reduce earnings Rates are subject to change without notice Dividend Rate Bonus of .25% APY available to our Loyalty Rewards Members.
Loans
| Account Type | As Low As APR* |
|---|---|
| New Auto Loans | 4.99% |
| Used Auto Loans | 5.49% |
| Credit Cards | 6.99% |
| 1st Mortgage | Click here for rates |
| Signature Loan | 7.75% |
| Share Secured Loan | Share Rate + 3.00% |
| Debt Consolidation | 7.75% |
*APR = Annual Percentage Rates Starting rates are available to the most qualified applicants Rates are subject to change without notice Rates and terms may vary and are subject to change at any time and without notice. A $15,000 auto loan at 4.99% for 36 months would have monthly payments of $449.50.
† Indicates variable rate
*APRs shown are for members with excellent credit and may reflect rate discounts for additional credit union services. Your APR may be higher and is determined by our normal underwriting guidelines. Credit Card rates start at 6.99% fixed rate initially but are subject to change.
Rates are current as of November 7, 2023 and are subject to change. All loans subject to credit approval and membership eligibility. Other terms and restrictions may apply. Please email admin@hudfcu.org or call 202-863-2800 for additional details.
A .25% Loyalty Rewards Loan Rate Discount AND .50% Relationship Rewards Program Discount are available on these HUDFCU consumer loans: Personal Loan, Auto Loan and Home Equity Loan. New loans only; not available on existing HUDFCU loans. $5,000 minimum loan amount. Loans are subject to credit approval. There is a .75% maximum discount per loan.
© 2024 HUD Federal Credit Union. All Rights Reserved. Federally insured by the National Credit Union Administration, a U.S. Government Agency. Deposits insured up to $250,000.
This credit union is federally insured by the National Credit Union Administration. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS #: 438402