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Certificates

Certificates allow members to lock in a higher dividend rate for a set term, on money that they don't need immediately.

HCU is now offering a BUMP UP Certificate. In the event interest rates increase, the BUMP UP Certificate option allows members to ‘bump’ their rate to a higher rate without a fee or penalty during the term of the certificate.  The BUMP UP option is available for 12, 24, 36, and 48 months certificates.  Members with a 12 or 24 month BUMP UP Certificate will have the opportunity to bump their rate once during the term of the certificate.  Members with a 36 or 48 month BUMP UP Certificate will have the opportunity to bump their rate twice during the term of the certificate. Call 217-726-8877 or stop by and open your certificate today.

Safe and secure, terms range from as little as 3 months, up to 60 months.

  • $1,000 minimum amount to open
  • Dividends compound and pay monthly
  • Dividend checks may be mailed* or transferred to a designated account
  • Certificates can be used as collateral to secure a lower loan rate

* Certain restrictions apply.

Current Rates