Savings Account Rates

Rate Information

For Savings accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union.

Nature of Dividends

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.

Accrual of Dividends/Interest

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.

Balance Information

No minimum balance is required to open a savings account.

Commercial Savings Accounts

There is a Minimum daily balance requirement of $100 to avoid a monthly maintenance fee. In the event you do not maintain the minimum required balance, you may not earn dividends.

For additional membership information please contact us.


Go to content.

Dividend 0.05%

APY* 0.05%

*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 3/1/2023.

Open an Account

Start saving today!