Savings
Rates
Shares Savings Rates
Savings Account Rates
| Type | Interest Rate | APY* |
|---|---|---|
| Share Savings(for balances on $5.00 or more) | 0.01% | 0.01% |
| Christmas Savings | 0.01% | 0.01% |
| Vacation Savings | 0.01% | 0.01% |
| Health Savings (HSA) | 0.25% | 0.25% |
| Rates accurate as of Jul 18, 2025 | ||
| All youth under the age of 18 will receive an additional 0.25% APY to the stated rates unless otherwise noted.*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA. | ||
Certificate of Deposit Rates
Share, Traditional IRA, Roth IRA, HSA,^ Coverdell Education & Jumbo Certificate Rates
Minimum opening deposit for Jumbo CDs is $100,000.00. Minimum opening deposit for all other CDs is $50.00 unless otherwise noted below.| Term | Interest Rate | APY* | |
|---|---|---|---|
| 3 months1 | 0.499% | 0.50% | |
| 6 months1 | 1.243% | 1.25% | |
| 9 months1 | 1.243% | 1.25% | |
| 12 months1 | 1.490% | 1.50% | |
| 13 month special offer4 | 5.004% | 5.120% | |
| 13 month special offer5 | 4.621% | 4.720% | |
| 18 months1 | 1.490% | 1.50% | |
| 24 months1 | 1.588% | 1.60% | |
| 30 months1 | 1.588% | 1.60% | |
| 36 months1 | 1.933% | 1.95% | |
| 48 months1 | 2.031% | 2.05% | |
| 60 months1 | 2.129% | 2.15% | |
| 12 month Add-On2^ | 1.490% | 1.50% | |
| Jumbo 12 months3 | 1.736% | 1.75% | |
| Jumbo 24 months3 | 1.834% | 1.85% | |
| Jumbo 36 months3 | 2.178% | 2.20% | |
| Jumbo 48 months3 | 2.276% | 2.30% | |
| Jumbo 60 months3 | 2.374% | 2.40% | |
| Rates accurate as of Jul 18, 2025 | |||
| All youth under the age of 18 will receive an additional 0.25% APY to the stated rates unless otherwise noted. A penalty fee may be imposed if you withdrawal funds prior to the maturity date. Insured by NCUA. *APY= Annual Percentage Yield. 1Rate Protector allows a one time rate adjustment for 3-36 month term CDs and a two time rate adjustment for 37-60 month term CDs with no penalties or fees. 2^12 month add-on not eligible for additional 0.25% APY youth rate bump or rate protector adjustment. 12-month add-on CD not eligible for IRA CD's. HSA CD only available on the 12-month add-on CD rate and term. Contact a member service representative to open an HSA CD. 3Jumbo CD not available for Coverdell Education Savings Accounts. 4To receive the above stated 13-month term at 5.12% APY, 13-month CD must be opened with a minimum balance of $5,000 and be funded solely in new money (funds currently held at another financial institution), or have an “active” checking account (averages 8+ deposits or withdrawals per month in/out of Honor checking account). Unless “active” checking is present, existing funds at Honor CU cannot be combined with new money. 5To receive the above stated 13-month term at 4.72% APY, 13-month CD must be opened with a minimum balance of $5,000. Early withdrawal penalty is 120 days of interest for both promotional terms. Neither CD special is eligible for rate protector benefit, a one-time rate bump over the course of the term. Both 13-month CD terms will renew at standard 12-month term upon maturity. Limited time offer. Rates subject to change without notice. Insured by NCUA. | |||
Money Market Rates
Amplify Money Market Rate
| Amnt | Base Rate | Base APY* | Bonus Rate | Bonus APY** |
|---|---|---|---|---|
| $0.01 and up | 0.50% | 0.50% | 3.44% | 3.50% |
| Rates accurate as of Jul 18, 2025 | ||||
| *APY = Annual Percentage Yield. Rates accurate as of 9/1/23. $0.01 minimum deposit required to earn the base dividend of 0.50% APY. **An additional bonus dividend of 3.00% APY requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based debit card transaction(s) per month (PIN-based transactions not eligible) on a Benefits Checking, Connect Checking or Simplified Checking account – please note that Honor posts transactions based on how they are received from merchants. Accounts meeting both of the qualifying requirements will earn a total dividend of 3.50% APY. Rates are variable and subject to change without notice. Insured by NCUA. | ||||
Surge Money Market Rates
| Amount | Interest Rate | APY* |
|---|---|---|
| $1.00 - $2,500.00 | 1.982% | 2.00% |
| $2,500.01 - $5,000.00 | 0.995% | 1.00% |
| $5,000.01 - $10,000.00 | 0.500% | 0.50% |
| $10,000.01 - $50,000.00 | 0.250% | 0.25% |
| $50,000.01 + | 0.150% | 0.15% |
| Rates accurate as of Jul 18, 2025 | ||
| *APY= Annual Percentage Yield. No minimum balance required to open Surge Money Market. Interest will be paid monthly on balances within each tier and in a blended fashion. The Surge Money Market is a variable rate share product with no set term. Limit one Surge Money Market Account per membership. Rates subject to change. | ||
Momentum Money Market Rates
| Amount | Interest Rate | APY* |
|---|---|---|
| $2,500.00 - $49,999.99 | 0.150% | 0.15% |
| $50,000.00 - $99,999.99 | 0.30% | 0.30% |
| $100,000.00 - $249,999.99 | 0.60% | 0.60% |
| $250,000.00 - $499,999.99 | 0.80% | 0.80% |
| $500,000.00 + | 0.99% | 1.00% |
| Rates accurate as of Jul 18, 2025 | ||
| *APY= Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. By federal regulation, some restrictions may apply. | ||
Benefits Checking Rates
Benefits Checking Account Rates
| Amount | Interest Rate | APY* |
|---|---|---|
| $0.01 - $10,000.00 | 3.93% | 4.00% |
| Rates accurate as of Jul 18, 2025 | ||
| *APY = Annual Percentage Yield. $25 minimum deposit required. 4% APY earned on balances of up to $10,000.00. ATM foreign surcharge fees will be refunded monthly up to $20/month. Requires e-Statements, Direct Deposit, at least 12 debit card transactions that clear your account as signature-based debit transactions per month (note that Honor posts transactions based on how they are received from merchants) and minimum 1 monthly online banking login to earn 3% APY. Members not meeting requirements will not earn ATM foreign surcharge fee refunds. No free checks offered on this account. One account per Member. Annual Percentage Yield (APY) as of 09/01/23; Rate is variable and may change after account is opened. Federally insured by NCUA. | ||
IRA Rates
Traditional IRA, Roth IRA, Coverdell Education Savings Account Rates
| Interest Rate | APY* |
|---|---|
| 0.20% | 0.20% |
| Rates accurate as of Jul 18, 2025 | |
| *APY = Annual Percentage Yield. | |
*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Insured by NCUA.
