Deposit Rates
Effective Date: July 1, 2025
Specials
6-18 Month Flex Share Certificate 4.00% APY*, contact us at 210-938-7850.
| Type of Account | Dividend Rate | Annual Percentage Yield |
| Flex Share Certificate | 3.93% | 4.00% |
Savings (Shares)
| Type of Account | Dividend Rate | Annual Percentage Yield |
| Greater than $1,000.00 | 0.05% on entire balance | 0.05% |
Regular Savings requires $25.00 to open
Requires $1,000.00 each day to earn dividends
H-E-Buddy Youth Savings Account
| Type of Account | Dividend Rate | Annual Percentage Yield |
| Greater than $1,000.00 | 0.05% on entire balance | 0.05% |
Requires $1,000.00 each day to earn dividends
Savers Club requires $25.00 to open
Holiday/Vacation
| Type of Account | Dividend Rate | Annual Percentage Yield |
| $25.00 and greater | 0.05% | 0.05% |
Holiday and Vacation accounts require $5.00 each to open
Require $25.00 to earn dividends
Money Market*
| Type of Account | Dividend Rate | Annual Percentage Yield |
| $1500.00 - $10,000.00 | 0.10% | 0.10% |
| Greater than $10,000.00 | 0.35% | 0.35% |
Money Market requires $1,500.00 to open
Requires $1,500.00 each day to earn APY disclosed
Money Market Plus*
| Type of Account | Dividend Rate | Annual Percentage Yield |
| $25,000 - $100,000 | 1.00% | 1.00% |
| Greater than $100,000 | 1.98% | 2.00% |
Money Market Plus requires $25,000.00 to open
Requires $25,000.00 each day to earn APY disclosed
Variable IRA Share Account
| Type of Account | Dividend Rate | Annual Percentage Yield |
| $50.00 to open | 4.14% | 4.20% |
Term Share Certificate**
| Balances from $1,000.00 - $9,999.99 | Dividend Rate | Annual Percentage Yield |
| 3 Month | .84% | .84% |
| 6 Month | 1.11% | 1.12% |
| 12 Month | 1.25% | 1.26% |
| 24 Month | 1.08% | 1.09% |
| 36 Month | 1.01% | 1.02% |
| 60 Month | 1.01% | 1.02% |
| Balances greater than $9,999.99 | Dividend Rate | Annual Percentage Yield |
| 3 Month | 1.19% | 1.20% |
| 6 Month | 1.59% | 1.60% |
| 12 Month | 1.79% | 1.80% |
| 24 Month | 1.54% | 1.55% |
| 36 Month | 1.44% | 1.45% |
| 60 Month | 1.44% | 1.45% |
| 6-18 Month Flex Share Certificate ($25,000 minimum) | 3.93% | 4.00% |
*Dividends are earned on the daily balance and paid monthly. Dividend rates and APY are subject to change daily without notice at the discretion of the Board of Directors. Fees may reduce earnings on the account.
** Term Share Certificates require $1,000.00 to open. Require $1,000.00 each day to earn dividends. Term Share Certificates earning the second-tier (higher) rate require $10,000.00 to open and $10,000.00 on deposit each day to earn dividends. Interest rate and APY are subject to change daily without notice at the discretion of the Board of Directors. A penalty will be imposed for early withdrawal.
Flex Share Certificate Disclosures
*The 6–18 Month Flex Share Certificate requires a total deposit relationship of more than $24,999.99 to open and maintain. If the total relationship balance falls below $25,000, the special promotional rate will no longer apply. This offer is valid for new H-E-B FCU Flex Share Certificate accounts only. To renew a maturing certificate at the 4.00% APY promotional rate, an additional deposit of at least $2,000 in new money is required. The 4.00% APY (Annual Percentage Yield) applies only to the amount initially deposited at the time of account opening. Additional deposits are not allowed once the certificate is opened. This limited-time promotional rate is only available for certificates opened between July 1, 2025, and August 1, 2025. Certificates opened before or after this period do not qualify for the promotional rate. Early withdrawal penalties may apply and could reduce earnings. Rates and terms are subject to change without notice. Membership eligibility is required.
Deposit insurance coverage of up to $500,000 is provided through a combination of federal insurance from the National Credit Union Administration (NCUA) up to $250,000 and additional coverage from Excess Share Insurance Corporation (ESI) up to $250,000.
Call (210) 938-7850 for current rates. APY is Annual Percentage Yield. APY assumes dividends remain in the account until maturity. Withdrawals reduce earnings.
All accounts must remain open through the end of the dividend period or the maturity date to be paid the accrued dividends. The above rates were paid for their respective dividend periods.
Dividends are paid at the end of the period from the current income and the available earnings after required transfers to reserves.
These rates are not guaranteed for the current dividend period.