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For Savings accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union.
The Dividend Rate and Annual Percentage Yield are the prospective rates that the Credit Union anticipates paying for the applicable dividend period. Dividends are calculated by the average daily balance method. Dividends are calculated by applying a periodic rate to the average daily balance in the account for the Dividend Period. For dividend bearing accounts, the Dividend Period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period.
Dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day your deposit is credited to your account. Dividends will be compounded and credited quarterly. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
No minimum balance is required to open a savings account.
For additional membership information please contact us.
*The Dividend Rate and Annual Percentage Yield (APY) are subject to change without notice. Contact the HAPO financial center nearest you for current rate information or special offerings. Fees may reduce earnings. Rates effective 11/1/2022.
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