Savings Products

Regular Shares

The Membership Share has a par value of $10.00, payable at the time a new account is opened.   The minimum balance required to avoid the monthly minimum fee is $100.00.  A new member has 6 months to bring the account to the required minimum before any minimum balance fees are charged.  Regular Share is each member's base account.   In order to be eligible for any other product or services offered by HONEA FCU, a member must maintain a Regular Share account.  The membership fee of $1.00 has been temporarily waived until further notice.

Your Choice Checking

Order Your Checks on Line  from Harland Clarke, our preferred provider.

This is a share draft account (checking) that has no minimum balance required.  Fees associated with our share draft accounts are "Overdraft Fee or Non-Sufficient Fund (NSF) Fee, Stop Payment Fees and Check Printing Fees.  The first order of checks of the standard style is provided at No Charge and each year a box of checks of the standard style is also provided at No Charge.  Special order checks or special style checks are provided at cost to you.  At the present "Your Choice Checking" is also earning dividends, which is paid monthly at the end of the month.  Please refer to the FLASH Newsletter for the most current interest rate.

Share Express

This is a transaction account similar to the share draft account, without drafts or checks.  It was established as a convenience to our members that wanted to utilize the "Bill Payment" feature of Online Banking or Home Banking.  The Share Express account is required for members that request a Debit Card, who do not have a "Your Choice Checking."


Keiki Account

This account is for keikis under 13 years old.  There is no balance requirement. A special higher interest rate is paid on the Keiki Account as compared to the Regular Share account.  Please refer to the FLASH Newsletter for the most current interest rate.

Christmas Club

This is a special club account for the special purpose of facilitating members spending plan for the holidays in December.  A deposit of $5.00 is required to open a Christmas Club account.  There is no minimum balance requirement.  The maximum balance is $3,000.00.  On the 30th of September of each year, a withdrawal for the full balance of the account is made and transferred to Regular Share account.  The account remains open even with a zero balance.  Certain restriction applies for withdrawals prior to September 30th.  Please refer to the FLASH Newsletter for the most current interest rate.

Term Share Certificates

Term Share Certificates have a minimum term of 6 months and a maximum term of 4 years.  The minimum amount to open a Term Share Certificate is $1,000.00.  Interest is accrued daily, compounded quarterly and paid at maturity.
The interest earned and posted to the account may be withdrawn without penalty.  Early withdrawal penalty will be assessed for withdrawals of principal prior to the maturity date.
  
               Click here for current Certificate interest rates.

Financial Calculators

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