Certificates of Deposit allow members to lock in a higher dividend rate for a set term, on money that they don't need immediately.
HCU is now offering a BUMP UP Certificate. In the event interest rates increase, the BUMP UP Certificate option allows members to ‘bump’ their rate to a higher rate without a fee or penalty during the term of the certificate. The BUMP UP option is available for 12, 24, 36, and 48 months certificates. Members with a 12 or 24 month BUMP UP Certificate will have the opportunity to bump their rate once during the term of the certificate. Members with a 36 or 48 month BUMP UP Certificate will have the opportunity to bump their rate twice during the term of the certificate. Call 217-726-8877 or stop by and open your certificate today.
Safe and secure, terms range from as little as 3 months, up to 60 months.
- $1,000 minimum amount to open
- Dividends compound and pay monthly
- Dividend checks may be mailed* or transferred to a designated account
- Certificates can be used as collateral to secure a lower loan rate
* Certain restrictions apply.
Certificate Rates
| Term | Branch | Rate | APY |
|---|
| 3 month* | HCU | 3.450 % | 3.510 % |
| 6 month* | HCU | 3.510 % | 3.570 % |
| 7 month** | HCU | 3.510 % | 3.570 % |
| 11 month** | HCU | 3.450 % | 3.510 % |
| 11 month**** | HCU | 3.450 % | 3.510 % |
| 12 month** | HCU | 3.450 % | 3.510 % |
| 13 month** | HCU | 3.500 % | 3.560 % |
| 14 month** | HCU | 3.500 % | 3.560 % |
| 15 Month** | HCU | 3.500 % | 3.560 % |
| 16 month** | HCU | 3.500 % | 3.560 % |
| 17 month** | HCU | 3.500 % | 3.560 % |
| 18 month** | HCU | 3.500 % | 3.560 % |
| 24 month** | HCU | 3.500 % | 3.560 % |
| 30 month** | HCU | 3.550 % | 3.610 % |
| 36 month** | HCU | 3.550 % | 3.610 % |
| 48 month** | HCU | 3.350 % | 3.400 % |
| 60 month*** | HCU | 3.300 % | 3.350 % |
* $1,000.00 minimum balance is required. 90 day early withdrawal penalty.
** Minimum balance of $1,000 is required. 180 day early withdrawal penalty.
***Minimum balance of $10,000 in required. 180 day early withdrawal penalty.
**** Minimum balance of $5,000 is required. 180 day early withdrawal penalty.
Selected Rates current as of 2/18/2026, for approved members.