Credit union · NCUA insured
HRCU Savings Rates
HRCU’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How HRCU’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where HRCU has the most branches. $10,000, best rate first.
This credit union’s best
HRCU
0.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $50
Money Market
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
HRCU savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where HRCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
Up to 0.50%APY
Eligibility requires living, working, attending school, or worshipping in New Hampshire or York County, Maine, or having a family member who is an HRCU member. Dividends are based on the Average Daily Balance and paid monthly.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceDividends based on Average Daily Balance, paid monthly. · $0 to open | 0.05% | $0 | $5 | Dividends based on Average Daily Balance, paid monthly. |
| $2,500 and upDividends based on Average Daily Balance, paid monthly. · $2,500 to open | 0.50% | $2,500 | $50 | Dividends based on Average Daily Balance, paid monthly. |
| $10,000 and upDividends based on Average Daily Balance, paid monthly. · $10,000 to open | 0.50% | $10,000 | $50 | Dividends based on Average Daily Balance, paid monthly. |
| $25,000 and upDividends based on Average Daily Balance, paid monthly. · $25,000 to open | 0.60% | $25,000 | — | Dividends based on Average Daily Balance, paid monthly. |
| $50,000 and upDividends based on Average Daily Balance, paid monthly. · $50,000 to open | 0.75% | $50,000 | — | Dividends based on Average Daily Balance, paid monthly. |
| $100,000 and upDividends based on Average Daily Balance, paid monthly. · $100,000 to open | 1.50% | $100,000 | — | Dividends based on Average Daily Balance, paid monthly. |
| $250,000 and upDividends based on Average Daily Balance, paid monthly. · $250,000 to open | 1.75% | $250,000 | — | Dividends based on Average Daily Balance, paid monthly. |
Sources (3)
All captured Oct 22, 2026
Savings & Shares
0.05%APY
Primary share savings account required for membership. $5.00 minimum balance requirement. No monthly maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAll dividends are based on Average Daily Balance and paid monthly.$5 and up | 0.05% | $5 | All dividends are based on Average Daily Balance and paid monthly. |
Sources (1)
- hrcu.org/bank/savings · captured Oct 22, 2026
Special-purpose accounts
Home Heating Club
2.52%APY on $10,000
Build dedicated savings for home heating expenses. Not eligible for online withdrawals. When Average Daily Balance exceeds the first tier maximum amount, dividends will be based on a split rate using both rate tiers.
| Part of the balance | Rate on that part |
|---|---|
| Up to $5,000 | 4.89% |
| $5,000 and up | 0.05% |
On $10,000 the tiers blend to about 2.52% APY, earning $252 a year.
Sources (2)
All captured Oct 22, 2026
Health Savings Account (HSA)
Up to 0.55%APY
Available to individuals with a high-deductible health insurance plan (HDHP). No opening or monthly fees. Contributions may be tax-deductible and earnings are tax-free when used for qualified medical expenses.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $2,500Dividends based on Average Daily Balance and paid monthly. · $0 to open | 0.10% | $0 | — | Dividends based on Average Daily Balance and paid monthly. |
| $2,500 – $10,000Dividends based on Average Daily Balance and paid monthly. · $2,500 to open | 0.30% | $2,500 | $30 | Dividends based on Average Daily Balance and paid monthly. |
| $10,000 and upDividends based on Average Daily Balance and paid monthly. · $10,000 to open | 0.55% | $10,000 | $55 | Dividends based on Average Daily Balance and paid monthly. |
Sources (1)
- hrcu.org/bank/health-savings-account · captured Oct 22, 2026
Kids Savings
0.54%APY on $10,000
Designed for ages 0–12. Kids earn a prize with every in-branch deposit.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 4.89% |
| $1,000 and up | 0.05% |
On $10,000 the tiers blend to about 0.54% APY, earning $54 a year.
Sources (3)
All captured Oct 22, 2026
Teen Savings
0.54%APY on $10,000
Designed for teens ages 13–17. Requires Social Security number, student ID (if available), and parent or guardian. No monthly fees.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 4.89% |
| $1,000 and up | 0.05% |
On $10,000 the tiers blend to about 0.54% APY, earning $54 a year.
Sources (4)
- hrcu.org/bank/youthaccounts/teencheckingsavings
- hrcu.org
- hrcu.org/self-service/rates/checking-savings-cd-rates
- hrcu.org/bank/savings
All captured Oct 22, 2026
DREAM Club Share
0.50%APY on $10,000
Assists account holder(s) with saving toward the purchase of a home. Must be 18 or older to establish account. Funds must be on deposit for a minimum of 6 months. A fee of $25.00 will be incurred if funds are withdrawn for purposes other than to pay fees associated with an HRCU mortgage application process (waived with qualifying appraisal or inspection invoice). Offers lender credit at time of loan closing with HRCU subject to eligibility requirements.
| Part of the balance | Rate on that part |
|---|---|
| Up to $10,000 | 0.50% |
| $10,000 and up | 0.05% |
On $10,000 the tiers blend to about 0.50% APY, earning $50 a year.
Sources (2)
All captured Oct 22, 2026
Create-a-Club
0.05%APY
Club Account to save for specific goals. No monthly maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid monthly based on Average Daily Balance.$5 and up | 0.05% | $5 | Dividends paid monthly based on Average Daily Balance. |
Sources (2)
All captured Oct 22, 2026
Holiday Club
0.05%APY
Club Account with no monthly maintenance fee. Has a $5 penalty for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid monthly based on Average Daily Balance. $5 penalty for early withdrawal.$5 and up | 0.05% | $5 | Dividends paid monthly based on Average Daily Balance. $5 penalty for early withdrawal. |
Sources (2)
All captured Oct 22, 2026
Who can join HRCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, goes to school, or worships in New Hampshire or York County, Maine.
Family and household
- Eligibility is open to individuals who have a family member who is an HRCU member.
Cost to join
- An account can be opened with as little as $5.00.
Membership information collected October 4, 2026.