Deposit Rates
Effective Date: March 6, 2026
Specials***
| Type of Account | Dividend Rate | Annual Percentage Yield |
| Flex Share Certificate | 3.93% | 4.00% APY |
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 | 0.40% | 0.40% |
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 | 1.49% | 1.50% |
| Greater than $100,000 | 2.47% | 2.50% |
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 | 3.59% | 3.65% |
Term Share Certificate**
| Balances from $1,000.00 - $9,999.99 | Dividend Rate | Annual Percentage Yield |
| 3 Month | .81% | .81% |
| 6 Month | 1.12% | 1.12% |
| 12 Month | 1.15% | 1.16% |
| 24 Month | 1.04% | 1.05% |
| 36 Month | .98% | .98% |
| 60 Month | .98% | .98% |
| Balances greater than $9,999.99 | Dividend Rate | Annual Percentage Yield |
| 3 Month | 1.14% | 1.15% |
| 6 Month | 1.59% | 1.60% |
| 6 - 18 Months | 3.93% | 4.00% |
| 12 Month | 1.64% | 1.65% |
| 24 Month | 1.49% | 1.50% |
| 36 Month | 1.39% | 1.40% |
| 60 Month | 1.39% | 1.40% |
*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.
***The 6–18 Month Flex Share Certificate requires a $10,000 minimum total deposit relationship to open and maintain; if the balance falls below $10,000, the promotional rate no longer applies. Offer valid on new Flex Share Certificate accounts only. The 4.00% APY applies only to the amount deposited at account opening; additional deposits are not permitted. Promotional rate available for certificates opened January 28–June 30 2026; early withdrawal penalties may apply. Rates and terms are subject to change without notice, and membership eligibility is required. Deposits are insured up to $500,000, including federal insurance by the NCUA up to $250,000 and additional coverage by ESI up to $250,000. For current rates or details, contact an H-E-B FCU Partner or call 210-938-7850.
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.