Savings

Saving money is the first step toward building a sound financial future.

It’s one of the best habits we can learn, and there’s no better place to build a strong and safe financial future than at Harvester Financial Credit Union. From regular savings accounts and term certificates to individual retirement accounts (IRAs) and other investment opportunities, you’ll find that the staff at Harvester Financial Credit Union has your best interest in mind.

Want to know how much you should be saving each month? Click Here

Savings Rates

Prospective Dividend Rates as of: 08/17/2017
Account TypeMinimumMaximumRateAPY**
Regular Shares ($50 & Up)$50-.15%.15%
Christmas Club$50-.15%.15%
Vacation Club$50-.15%.15%
Special Savings$50-.15%.15%
Kids Savings$50-.15%.15%

**APY is Annual Percentage Yield. Please go to our Savings page for more information.


Kids Club Account

This account is designed to help young members get started saving. It is open to those 12 and under, and requires an initial deposit of just $5.


Funds Manager Account

With just a minimum investment of $1,000, you can earn higher dividends than a traditional savings account. Dividends are earned each day and are paid monthly.

Funds Manager Rates

Prospective Dividend Rates as 08/17/2017
Account TypeMinimumMaximumRateAPY**
Tier 1$0$1,000.15%.15%
Tier 2$,1001$9,999.20%.20%
Tier 3$10,000$24,999.25%.25%
Tier 4$25,000$74,999.30%.30%
Tier 5$75,000and over.40%.40%

**APY is Annual Percentage Yield. Please go to our Savings page for more information.


Individual Retirement Account

Will Social Security still be around when you're ready to retire? Help secure your own financial future by contributing to an Individual Retirement Account (IRA). It's never too soon or too late to start. We offer a full range of accounts to meet your needs. Depending on the type of IRA you choose, you can put those tax advantages to work for retirement or other goals such as buying a first home or meeting future education costs.

Harvester Financial CU offers Traditional and Roth IRAs, in addition to Coverdell Education Savings Accounts. Check with your tax professional to determine what tax benefits are available to you by investing funds in an IRA.

If you already have an IRA with another institution, consider transferring it to your credit union. We have some great rates available on IRA Certificate accounts and IRA savings. Contact us today to open YOUR Individual Retirement Account!

*Always check with your tax advisor regarding tax deductibility

IRA Rates

Prospective Dividend Rates as of 08/17/2017
Account TypeMinimumMaximumRateAPY**
Tier 1$0$1,000.15%.15%
Tier 2$1,001$9,999.20%.20%
Tier 3$10,000$24,999.25%.25%
Tier 4$25,000$74,999.30%.30%
Tier 5$75,000and over.40%.40%

**APY is Annual Percentage Yield. Please go to our Savings page for more information.

The dividend rate and annual percentage yield may change every dividend period and are declared monthly by the credit union board of directors. Dividends are compounded and credited to your account every month. If a member closes an account before dividends are paid, accrued dividends will not be paid. In addition, early withdrawal from the Christmas Club Account results in forfeiture of accrued dividends and the account will remain closed until all balances are paid. Fees may reduce earnings. Minimum balance required to earn APY*** and avoid fees. Fees may reduce earnings on share savings accounts. Members will forfeit dividends if they close an account before accrued dividends are credited to their account. 

*** APY is Annual Percentage Yield. Deposits insured by National Credit Union Administration. ALL RATES AND YIELDS SUBJECT TO CHANGE WITHOUT NOTICE.

Share Certificate Rates

Prospective Dividend Rates as of 08/17/2017
Account TypeMinimumRateAPY**
3 month Share Certificate$500.20%.20%
6 month Share Certificate$500.20%.20%
12 month Share Certificate$500.25%.25%
12 month Save to Win Share Certificate $25.35%.35%
14 month Share Certificate$500.25%.25%
18 month Share Certificate$1,000.30%.30%
24 month Share Certificate$1,000.45%.45%
30 month Share Certificate$1,000.50%.50%
36 month Share Certificate$1,000.75%.75%
48 month Share Certificate$1,0001.00%1.00%
60 month Share Certificate$1,0001.24%1.25%

**APY is Annual Percentage Yield. Please go to our Savings page for more information.

To learn more about Save to Win, click here.


Holiday/Vacation Club

We make it easy to save for the holidays or vacation. By making regular deposits through the year, or contributing through payroll deduction, you’ll find it easier to save systematically. Your holiday funds are available in early October and vacation funds are ready when you need them.


Safe and Secure: Your savings accounts at Harvester Financial CU are federally insured to $250,000 by the National Credit Union Administration (NCUA), an agency of the U.S. government. In addition, your Individual Retirement Accounts are separately insured to $250,000 by the National Credit Union Administration (NCUA).

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INDIANAPOLIS
7020 Brookville Road
Indianapolis, IN 46239
PH: 317.352.0455
TF: 800.326.2279
FAX: 317.351.2351

LOBBY & DRIVE THRU HOURS
Monday, Tuesday & Thursday:
8:00 a.m. – 5:00 p.m.


Wednesday:
9:00 a.m. – 5:00 p.m.


Friday:
8:00 a.m. – 5:30 p.m.

SHELBYVILLE
1220 Miller Avenue
Shelbyville, IN 46176
PH: 317.392.0811
TF: 800.366.5725
FAX: 317.392.0870

LOBBY & DRIVE THRU HOURS
Monday, Tuesday & Thursday:
8:30 a.m. – 5:00 p.m.


Wednesday:
9:00 a.m. – 5:00 p.m.


Friday:
8:30 a.m. – 6:30 p.m.

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
We are an Equal Housing Lender. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Harvester Financial Credit Union respects your privacy. Harvester Financial Credit Union is not responsible for, the product, service, or overall website content available at a third-party site.

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