Deposit Rates

Click here for on-line U.S. GOVERNMENT SAVINGS BOND PURCHASES AND INFO
Rates subject to change. *CD Special rate effective 1/9/2017-3/31/2017. Minimum Deposit of $1,000. Max of $50,000 on deposit with IHCU can be used with CD special.

Deposit Rates

Type of PlanAccount Balance RangeAnnual Dividend RateAnnual Percentage Yield (APY)
Regular Share Savings Account(1)
Effective May 1, 2016
$100 - $9,999.99
.04%.04%
Effective May 1, 2016$10,000 - $49,999.99.04 %.04%
Effective May 1, 2016$50,000 - and over.04 %.04%
Christmas Club Share Savings Account(2)
Effective May 1, 2016
$0 - $9,999.99.04 %.04%
Effective May 1, 2016$10,000 - $49,999.99.04 %.04%
Effective May 1, 2016$50,000 - and over.04 %.04%
Money Market Share Savings Account(3)
Effective May 1, 2016
$1,000 - $9,999.99.06 %.06%
Effective May 1, 2016$10,000 - $24,999.99.06%.06%
Effective May 1, 2016$25,000 - $49,999.99.09 %.09%
Effective May 1, 2016$50,000 and over.11%.11%
Share Draft Checking Account(4)
Effective May 1, 2016
$500 - $2,499.99.04 %.04%
$2,500 - $9,999.99.04 %.04%
$10,000 - and over.04 %.04%
IRA Savings Account(1)
Effective May 1, 2016
$100 - and over.28 %.28%
IRA Certificates(5)
12 month certificate.50%.50%
18 month certificate.55 %.55%
24 month certificate.90%.90%
30 month certificate.95%.95%
36 month certificate1.25%1.26%
48 month certificate1.55%1.56%
60 month certificate1.75%1.77%
Share Certificates(5)
3 month certificate.09%.09%
6 month certificate.30%.30%
12 month certificate.50%.50%
18 month certificate.55 %.55%
24 month certificate.90%.90%
30 month certificate.95%.95%
36 month certificate1.25%1.26%
48 month certificate1.55%1.56%
60 month certificate1.75%1.77%
Special*25 month certificate1.49%1.50%
Special*37 month certificate1.75%1.77%