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)/ Christmas Club Share Savings Account (2) | $100 - $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 | .30 % | .30% |
| $10,000 - $24,999.99 | .34% | .34% | |
| $25,000 - $49,999.99 | .40% | .40% | |
| $50,000 and over | .50% | .50% | |
| IRA Savings Account(1) Effective May 1, 2016 | $100 - and over | .28 % | .28% |
| IRA Certificates(5) | |||
| 12 month certificate | 1.79% | 1.80% | |
| 18 month certificate | 2.00% | 2.02% | |
| 24 month certificate | 2.23% | 2.25% | |
| 30 month certificate | 2.28% | 2.30% | |
| 36 month certificate | 2.32% | 2.35% | |
| 48 month certificate | 2.52% | 2.55% | |
| 60 month certificate | 2.72% | 2.75% | |
| Share Certificates(5) | 3 month certificate | .09% | .09% |
| 6 month certificate | .75% | .75% | |
| 12 month certificate | 1.79% | 1.80% | |
| 18 month certificate | 2.00% | 2.02% | |
| 24 month certificate | 2.23% | 2.25% | |
| 30 month certificate | 2.28% | 2.30% | |
| 36 month certificate | 2.32% | 2.35% | |
| 48 month certificate | 2.52% | 2.55% | |
| 60 month certificate | 2.72% | 2.75% | |
| Special Rate | 7 month certificate | 2.29% | 2.32% |
| Special Rate | 11 month certificate | 2.59% | 2.62% |