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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 PlanAccount Balance RangeAnnual Dividend RateAnnual Percentage Yield (APY)
Regular Share Savings Account/ Christmas Club Share Savings Account
.04%.04%
Money Market Share Savings Account
Up to $24,999.99.60 %.60%
$25,000-$49,999.99.95%.95%
$50,000-$149,999.991.10%1.10%
$150,000 and over1.60%1.61%
IRA Savings Account
Effective March 3, 2020
$100 - and over.28 %.28%
IRA Certificates
12 month1.90%1.92%
18 month certificate2.20%2.22%
24 month certificate2.30%2.32%
36 month certificate2.70%2.73%
48 month certificate2.75%2.78%
60 month certificate2.80%2.83%
Share Certificates
6 month certificate 1.48%1.49%
12 month certificate1.90%1.92%
18 month certificate2.20%2.22%
24 month certificate2.30%2.32%
36 month certificate2.70%2.73%
48 month certificate2.75%2.78%
60 month certificate2.80%2.83%
Special Share Certificate30 month certificate2.90%2.94%
Step Up CheckingUp to $24,999.99.25%.25%
$25,000-$49,999.99.60%.60%
$50,000-$149,999.99.75%.75%
$150,000 and over1.15%1.16%

Credit/Debit Cards

All Credit Card issues:
1-855-639-9081

ATM/Debit Card Service Center
1-833-664-0357

Debit Card Activation:
1-800-992-3808

Quick Links

Reorder Checks
Credit Card Access
File Upload Form
Wiring Instructions

Privacy Policy

American Share Insurance Logo

Your savings insured to $250,000 per account. This institution is not federally insured.
MEMBERS’ ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.

Financial Wellness

MoneyED: A Personal Finance Program

Trinity Debt Management