Share Certificate Rates
| Offered Rates APY* | 6 Month | 12 Month | 24 Month | 36 Month | 48 Month | 60 Month |
|---|---|---|---|---|---|---|
| $1,000-$10,000 | 2.55% | 3.70% | 3.70% | 3.70% | 3.70% | 3.70% |
| $10,001-$50,000 | 2.60% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% |
| $50,000 or over | 2.60% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% |
*APY = Annual Percentage Yield Minimum opening deposit of $1,000 Dividends credited quarterly Additional deposit not allowed Withdrawal allowed within 90 days without penalty – penalties may apply after 90 days Renewable automatically Share Certificate Builder Rate is .75% for one year
Dividend Rates
| Account Type | Rate | APY* |
|---|---|---|
| Regular Shares (Savings) | 0.05% | 0.05% |
| Regular Checking (Share Draft) | 0.00% | 0.00% |
| Prime Time Share Draft (Prime Time Checking) | 0.05% | 0.05% |
| Club Savings | 0.05% | 0.05% |
| Rainy Day Savings** | 2.25% | 2.27% |
| Regular IRA | 0.10% | 0.10% |
| Roth IRA | 0.10% | 0.10% |
*APY = Annual Percentage Yield
**Rainy Day Savings rate of 2.25% APY on first $5000 deposited. Balances over $5000 earn the regular share rate of .05%. $1,000 maximum monthly deposit.
Money Market Share Account
| Balance | Rate | APY* |
|---|---|---|
| $0-$2,499 | 0.797% | 0.80% |
| $2,500-$24,999 | 0.797% | 0.80% |
| $25,000-$49,999 | 0.847% | 0.85% |
| $50,000-$99,999 | 0.896% | 0.90% |
| $100,000 or over | 0.995% | 1.00% |
*APY = Annual Percentage Yield
IRA Certificate Rates
| Offered Rates APY* | 6 Month | 12 Month | 24 Month | 36 Month | 48 Month | 60 Month |
|---|---|---|---|---|---|---|
| $1,000-$10,000 | 2.55% | 3.70% | 3.70% | 3.70% | 3.70% | 3.70% |
| $10,001-$50,000 | 2.60% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% |
| $50,000 or over | 2.60% | 3.75% | 3.75% | 3.75% | 3.75% | 3.75% |
*APY = Annual Percentage Yield Fees could reduce earnings Rates are subject to change without notice
Loans
| Account Type | As Low As APR* |
|---|---|
| New Auto Loans | 3.99% |
| Used Auto Loans | 4.60% |
| 1st Mortgage | Click here for rates |
| Signature Loan | 6.99% |
| Share Secured Loan | Share Rate + 3.00% |
*APR = Annual Percentage Rates Starting rates are available to the most qualified applicants Rates are subject to change without notice Rates and terms may vary and are subject to change at any time and without notice. A $15,000 auto loan at 3.99% for 36 months would have monthly payments of $442.79.
† Indicates variable rate
*APRs shown are for members with excellent credit and may reflect rate discounts for additional credit union services. Your APR may be higher and is determined by our normal underwriting guidelines.
Rates are current as of August 1st, 2026 and are subject to change. All loans subject to credit approval and membership eligibility. Other terms and restrictions may apply. Please email admin@hudfcu.org or call 202-863-2800 for additional details.
© 2026 HUD Federal Credit Union. All Rights Reserved. Federally insured by the National Credit Union Administration, a U.S. Government Agency. Deposits insured up to $250,000.
This credit union is federally insured by the National Credit Union Administration. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS #: 438402