Certificate Account Rates

DescriptionDividendAPY*Min. Balance
Fixed Rate
6 Month0.30%0.30%$100
12 Month0.40%0.40%$100
18 Month0.45%0.45%$100
24 Month0.50%0.50%$100
30 Month0.55%0.55%$100
36 Month0.60%0.60%$100
48 Month0.70%0.70%$100
60 Month0.80%0.80%$100

* Important: Contact the HAPO financial center nearest you for current rate information or promotional special offerings. Rates may vary. Rates and APY (Annual Percentage Yield), are subject to change without notice.


Except as described, the following disclosures apply to all of the accounts:

Rate Information

The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. For Fixed Rate Certificate accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term and reset for any renewal term of the account. For all Certificate accounts, the Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

Nature of Dividends

The Dividend Rate and Annual Percentage Yield set forth above are the prospective rates that the Credit Union anticipates paying for the applicable dividend period.

Compounding and Crediting

Dividends will be compounded and credited quarterly and at maturity. For all accounts, dividends are calculated by the average daily balance method. Dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend period. Adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period determine the average daily balance.

Balance Information

The minimum balance required to open each account is set forth above.

Add-on Feature

The 6 month through the 12 month certificates allow additional deposits in increments of $100.00 or more through the term of the certificate. No more than $100,000.00 may be added to the certificate after the initial purchase. No add-on deposits are allowed for Special Rate CD Offers.