Money Market Account
An IHCU Money Market Account requires a minimum initial deposit of $1,000. It offers a higher interest rate than a regular savings account, but gives you the flexibility you need. Unlike a Share Certificate, you are not locked into a certain time frame. There is no penalty for withdrawals.
An IHCU Money Market Account is a great investment to make. It is not related to stocks and bonds. It is insured by American Share Insurance, which makes an IHCU Money Market Account a good alternative to the stock market.
Current Deposit Rates
| Type of Plan | Account Balance Range | Annual Dividend Rate | Annual Percentage Yield (APY) |
| Regular Share Savings Account(1) | $100 - $9,999.99 | .04% | .04% |
| $10,000 - $49,999.99 | .04 % | .04% | |
| $50,000 - and over | .04 % | .04% | |
| Christmas Club Share Savings Account(2) | $0 - $9,999.99 | .04 % | .04% |
| $10,000 - $49,999.99 | .04 % | .04% | |
| $50,000 - and over | .04 % | .04% | |
| Money Market Share Savings Account(3) | $1,000 - $9,999.99 | .15 % | .15% |
| $10,000 - $24,999.99 | .17% | .17% | |
| $25,000 - $49,999.99 | .20% | .20% | |
| $50,000 and over | .25% | .25% | |
| IRA Savings Account(1) Effective May 1, 2016 | $100 - and over | .28 % | .28% |
| IRA Certificates(5) | |||
| 12 month certificate | 1.30% | 1.31% | |
| 18 month certificate | 1.50% | 1.51% | |
| 24 month certificate | 1.95% | 1.97% | |
| 30 month certificate | 2.05% | 2.07% | |
| 36 month certificate | 2.15% | 2.17% | |
| 48 month certificate | 2.20% | 2.22% | |
| 60 month certificate | 2.25% | 2.28% | |
| Share Certificates(5) | 3 month certificate | .09% | .09% |
| 6 month certificate | .75% | .75% | |
| 12 month certificate | 1.60% | 1.61% | |
| 18 month certificate | 1.80% | 1.81% | |
| 24 month certificate | 1.95% | 1.97% | |
| 30 month certificate | 2.05% | 2.07% | |
| 36 month certificate | 2.15% | 2.17% | |
| 48 month certificate | 2.20% | 2.22%% | |
| 60 month certificate | 2.40% | 2.43% |