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 2/19/2026 *$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. *Dividends are calculated quarterly and paid quarterly. **Club Account rates apply to all Club Accounts, including our retired “Christmas Club” and “Vacation Club” accounts, unless otherwise stated. Rates effective as of 2/19/2026 | ||
| 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 | 3.69 | 3.75% |
| 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. Dividends are calculated monthly and paid monthly. *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 2/19/2026. | |||
| 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. *Dividends are calculated monthly and paid monthly. Rates effective as of 2/19/2026 | ||
| 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 2/19/2026. 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. *Dividends are calculated monthly and paid monthly. Rates effective as of 2/19/2026 | ||
| 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. *Dividends are calculated monthly and paid monthly. Rates effective as of 2/19/2026 | ||
| 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. *Dividends are calculated monthly and paid monthly. Rates effective as of 2/19/2026 | ||
| Term | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 12 month Save to Win | $25.00 | 2.10 | 2.12% |
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. Dividends are calculated monthly and paid monthly. Rates updated on 2/19/2026. | |||