Henrico FCU Digital Banking and Voice Banking will be intermittently unavailable from approximately 12:00 AM until 9:00 AM Sunday, December 5, 2021, for system upgrades in an effort to better serve you.

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Digital Banking

Savings Rates as of November 24, 2021

Rates are subject to change without notice. Fees could reduce the stated account Annual Percentage Yield. Please contact a Henrico Federal Credit Union staff member for the most recent rates and details. View our Fee Schedule.

*APY = Annual Percentage Yield

Savings (Share) Accounts

Account TypeMinimum to Open AccountMinimum Balance to Avoid FeesMinimum Balance to Earn DividendsAnnual Percentage Yield
Share / Savings (001)1
$5 $0

$100 - $499

0.05%

$500+ 0.10%
Club Accounts
(030)
$1 $0

$100 - $499

0.05%

$500+ 0.10%
IRAs
(400, 410, 420, 430, 440)
$100 $100 $100 0.35%

Checking (Share Draft) Accounts

Account TypeMinimum to Open AccountMinimum Balance to Avoid FeesMinimum Balance to Earn DividendsAnnual Percentage Yield
Basic Checking (008)
$15 N/A

N/A

0.00%

Select Checking (009)
$15 $500

$1,000 - $4,999

0.05%

$5,000+ 0.10%
Invest Checking (010)
$15 $2,500 $2,500 - $9,999 0.10%
$10,000 - $24,999 0.15%
$25,000 - $99,999 0.20%
$100,000+ 0.25%

Certificate Accounts

Certificate Term2Minimum to Open AccountDividend RateAnnual Percentage Yield
36 Month Certificate (1036)
$5,000 0.50%

0.50%

$1,000 0.25% 0.25%
$500 0.00% 0.00%
24 Month Certificate (1024)
$5,000 0.40%

0.40%

$1,000 0.15% 0.15%
$500 0.00% 0.00%
12 Month Certificate (1026)
$5,000 0.35% 0.35%
$1,000 0.10% 0.10%
$500 0.00% 0.00%
6 Month Certificate (1006) $5,000 0.25% 0.25%
$1,000 0.00% 0.00%
$500 0.00% 0.00%

*All rates are subject to change without notice. Fees can reduce earnings on account. Share account dividends are  earned on the entire account balance once the account reaches minimum balance to earn dividends.
¹Minimum balance required to maintain credit union membership.
²A penalty will be imposed for early withdrawal. Certificate rates are fixed for the term of the account.