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What's a Certificate?

Receive higher rates than regular savings by depositing your money for set terms ranging from six months to sixty months. There are two types of Certificates* available to members:

  • Principal Plus Certificates allows you to reinvest all dividends earned, compounding your principal balance faster.
  • Dividend Access Certificates allows you to access all dividends earned without penalties. At the end of each month, dividends are automatically transferred to your Savings Account.

Certificate Features:

  • A minimum deposit of $500 allows you to open the certificate term of your choice.
  • Terms are 6, 12, 18, 24, 30, 36, and 60 months.
  • Higher yields are available for certificates of $100,000 or more.

IRA Certificates are also available in 12, 24, 36, and 60 month terms.

*Certificates are subject to Hickam FCU penalties upon early withdrawal. Please see Hickam FCU Truth-in-Savings Disclosure for details.


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