Savings Rates
| Type | Balance | Dividend Rate | APY* |
|---|---|---|---|
| FREE Checking | Average balance of less than $1,000 | 0.00 | 0.00 |
| FREE Checking | Average balance of $1,000 or more | 0.05 | 0.05 |
| Smart Spending (Teen Checking) | Average balance of less than $1,000 | 0.00 | 0.00 |
| Smart Spending (Teen Checking) | Average balance of $1,000 or more | 0.05 | 0.05 |
*Rates may change after account is opened. Rates effective as of 11/20/2025 *$1,000 minimum balance required to earn APY. (APY = Annual Percentage Yield.) | |||
| Type | APY | Dividend Rate |
|---|---|---|
| Regular Savings | 0.10% | 0.10 |
| Club Accounts** | 0.10% | 0.10 |
| Goal-Based Savings | 0.00% | 0.00 |
*Fees may reduce earnings on the account. *Rates may change after the account is opened. *$5 minimum balance required to open account. *$0.01 minimum balance required to earn APY. **Club Account rates apply to all Club Accounts, including our retired “Christmas Club” and “Vacation Club” accounts, unless otherwise stated. Rates effective as of 11/20/2025 | ||
| Term | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 60 month | $10,000.00 | 3.50 | 3.56% |
| 60 month | $500.00 | 3.25 | 3.30% |
| 48 month | $10,000.00 | 3.50 | 3.56% |
| 48 month | $500.00 | 3.25 | 3.30% |
| 36 month | $10,000.00 | 3.25 | 3.56% |
| 36 month | $500.00 | 3.50 | 3.30% |
| 30 month | $10,000.00 | 3.50 | 3.56% |
| 30 month | $500.00 | 3.25 | 3.30% |
| 24 month | $10,000.00 | 3.50 | 3.56% |
| 24 month | $500.00 | 3.25 | 3.30% |
| 18 month | $10,000.00 | 2.35 | 2.38% |
| 18 month | $500.00 | 2.10 | 2.12% |
| 12 month | $10,000.00 | 2.35 | 2.38% |
| 12 month | $500.00 | 2.10 | 2.12% |
| 12 month Save to Win | $25.00 | 2.10 | 2.12% |
| 6 month | $10,000.00 | 2.50 | 2.53% |
| 6 month | $500.00 | 2.25 | 2.27% |
| 5 month special** | $5,000.00 | 3.84 | 3.90% |
| 3 month | $10,000.00 | 1.20 | 1.21% |
| 3 month | $500.00 | 1.00 | 1.00% |
Deposits encouraged with the Save to Win certificate. Monthly and quarterly drawings held for cash prizes. Full terms and conditions available at hoosierhills.com/save-to-win/. Penalties for early withdrawals may apply and fees may reduce earnings. Rate and terms are subject to change based on market conditions, borrower eligibility, collateral and other criteria. *10 Month Certificate Special: APY=Annual Percentage Yield. Minimum balance of $5,000. Certificate will renew on maturity date for a 12-month term at then current rate. Early withdrawal penalties may apply. Not available for Public Funds. Federally insured by NCUA up to $250,000. Hoosier Hills Credit Union provides an additional $250,000 in coverage through ESI (Excess Share Insurance). Subject to cancellation at any time. Rates are effective as of 05/29/2025. **5 Month Certificate Special: APY=Annual Percentage Yield. Minimum balance of $5,000. Certificate will renew on maturity date for a 6-month term at then current rate. Early withdrawal penalties may apply. Not available for Public Funds. Federally insured by NCUA up to $250,000. Hoosier Hills Credit Union provides an additional $250,000 in coverage through ESI (Excess Share Insurance). Subject to cancellation at any time. Rates are effective as of 05/29/2025. Rates updated on 11/20/2025. | |||
| Balance | Dividend Rate | APY |
|---|---|---|
| $250,000 - Above | 2.15 | 2.17% |
| $100,000 - $249,999 | 1.80 | 1.81% |
| $50,000 - $99,999 | 1.50 | 1.51% |
| $25,000 - $49,999 | 1.05 | 1.06% |
| $10,000 - $24,999 | 0.85 | 0.85% |
| $2,500 - $9,999 | 0.65 | 0.65% |
| $0 - $2,499 | 0 | 0.00% |
* Rates may change after the account is opened. * Fees may reduce earnings on the account. * No minimum balance is due to open an account. * $2,500 minimum balance required to earn dividend * A $2.00 monthly service fee applies if month end balance falls below $1000. Rates effective as of 11/20/2025 | ||
| Term | Dividend Rate | APY* |
|---|---|---|
| $3,000,000 - Above | 3.98 | 4.05 |
| $1,000,000 - $2,999,999 | 3.78 | 3.85 |
| $500,000 - $999,999 | 3.49 | 3.55 |
| $250,000 - $499,999 | 3.11 | 3.15 |
| $5,000 - $249,999 | 0.05 | 0.05 |
*APY = Annual Percentage Yield. Rates are effective as of 11/20/2025. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply. Rates effective as of 11/20/2025 | ||
| Balance | Dividend Rate | APY* |
|---|---|---|
| $250,000 - Above | 2.15 | 2.17 |
| $100,000 - $249,999 | 1.80 | 1.81 |
| $50,000 - $99,999 | 1.50 | 1.51 |
| $25,000 - $49,999 | 1.05 | 1.06 |
| $10,000 - $24,999 | 0.85 | 0.85 |
| $2,500 - $9,999 | 0.65 | 0.65 |
| $0 - $2,499 | 0 | 0 |
*APR = Annual Percentage Rate. APY= Annual Percentage Yield. Rates effective as of 11/20/2025 | ||
| Type | APY | Dividend Rate |
|---|---|---|
| Type APY Dividend Rates Health Savings Account | 0.60% | 0.60 |
* Rates may change after the account is opened. * $5 minimum balance required to open account. * $0.01 minimum balance required to earn APY. Rates effective as of 11/20/2025 | ||