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Smart Saving, Local Banking.
A year ago, we opened our doors at 603 Portsmouth Avenue in Greenland, NH, bringing our neighborly approach to banking to the Seacoast. Now, our 6.03 CD special is back and we’re celebrating our first anniversary the best way we know how — by helping our neighbors grow their savings.
Discover the HRCU Difference
When you open a 6.03% CD account, you can enjoy:
Start celebrating smarter savings today and see why more of your neighbors are choosing HRCU.
Call our Member Support Team or visit any HRCU branch location to open your 6.03% APY CD - We'll take care of the rest.
*APY = Annual Percentage Yield. Promotional term and rate valid for a limited time only, beginning on 10/20/25. Must be a member of HRCU to open. Minimum deposit to open the 7-month special share certificate is $500, and maximum deposit is $2,000. Maximum of one (1) 7-month special share certificate allowed per social security number. APY (annual percentage yield) is subject to change, however, will remain in effect for the term of the certificate once opened. Penalties may be incurred for early withdrawals. HRCU reserves the right to adjust or end the offering of this 7-month special share certificate at any time.
Effective Date: 10/26/2025
| Type | Minimum Deposit | Dividend Rate | APY* | Minimum Required to Earn APY |
|---|---|---|---|---|
| 3-month Special | $1,000 | 3.20% | 3.25% | $1,000 |
| 6-Month | $500 | 1.09% | 1.10% | $500 |
| 7-Month Special | $500 ($2,000 maximum) | 5.87% | 6.03% | $500 |
| 11-month Special | $500 | 3.93% | 4.00% | $500 |
| 12-Month | $500 | 1.24% | 1.25% | $500 |
| i$ave: 12-Month (ages 18 & under only) | $100 ($10,000 maximum) | 1.34% | 1.35% | $100 |
| 18-Month | $500 | 1.49% | 1.50% | $500 |
| 24-Month | $500 | 1.74% | 1.75% | $500 |
| 36-Month | $500 | 1.98% | 2.00% | $500 |
| 48-Month | $500 | 2.47% | 2.50% | $500 |
| 60-Month | $500 | 2.72% | 2.75% | $500 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. Certificate Rates are subject to change without notice; however, the rate will remain in effect for the term of the certificate once opened. Penalties may be incurred for early withdrawals. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. IRA deposits are fully insured up to $500,000; $250,000 by the NCUA and $250,000 by Excess Share Insurance. Withdrawals, maintenance, or activity fees could reduce the earnings on the account.
Welcome to Your Neighborhood Credit Union
At HRCU, we're more than just a place to bank - we're your financial partner. For over 60 years, we've been helping individuals and families across New Hampshire save smarter, borrow wisely, and plan for a stronger financial future.
Experience modern convenience with friendly, local service - for whatever life brings and wherever life takes you. Come see why so many of your neighbors have already made the switch.
Experience enhanced security features, spending controls, and insights for your HRCU debit and credit cards.
Take HRCU with you, with free access to your account at thousands of surcharge-free ATMs and credit union branches nationwide.
When life gets busy, bank on your own schedule with HRCU's fast and secure mobile and online banking.
Make your next smart money move
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