Share/Savings Accounts
These accounts, comparable to passbook savings at other financial institutions, are the basic savings accounts at HHFCU. Share/savings accounts earn dividends from the date of deposit to the date of withdrawal on all balances exceeding $100 minimum. Dividends are compounded and paid quarterly. A share/savings account may be opened with a minimum of $5. Subsequent deposits may be made in any amount via mail, payroll deduction, direct deposit, or over the counter transactions. A minimum balance of $5 is required to retain membership at HHFCU. With an HHFCU ATM card, you can withdraw up to $500 per day from your share/savings account.

Share Certificates
Designed for investors seeking both yield and liquidity, our share certificate program offers automatic rollover and maturity options of 3, 6, 12, 24, 36 and 60 months. Minimum deposit is $500. Additional funds may be added once per six month period.

Individual Retirement Accounts
To help you get the most out of your retirement dollars, we offer a very competitive retirement program. The account is similar to the Share/Savings program which allows for deposits through payroll deduction. Dividends are earned from the date of deposit to date of withdrawal and are compounded and paid quarterly. With an IRA share certificate, you can increase your savings at a fixed dividend rate that is guaranteed to maturity.

Club Accounts
We have designed our club accounts so you can set aside funds for very specific reasons. The minimum balance is $5 in all clubs, except the Christmas Club, which is $10. Deposits can be made through payroll deduction. The list of club accounts is as follows:

• Christmas Club
• Vacation Club
• Energy Club
• Tax Club
• Computer Club
• "Young at Heart" Club (Over age 50)
• "Say Yes to Youth" Club (Ages 13 to 19)
• "Scottie Savers" Youth Club (Ages 0 to12)