Savings Accounts

The first account you open at HCU will be your primary savings account. This is the basic building block of all of our accounts.

Opening a savings account at HCU only requires an initial deposit of $6.00. The minimum balance of this account is $5.00, with a $1.00 one-time membership fee. If for any reason you ever need to leave HCU, your $5.00 will be returned to you.

Dividends compound and pay monthly on balances of $100 and above (18 and older).

• No monthly service charge
• Balance can be used for loan collateral
• Easy to read quarterly statements
• Federally insured by the National Credit Union Administration (NCUA) and privately insured by Excess Share Insurance Corporation (ESI)

For an account to be classified as a savings account (regular share and money market accounts), financial institutions must restrict transfers and third party withdrawals from the account to six (6) per month.

Current Rates

Christmas Accounts

This account not only helps alleviate the worry of Christmas shopping expenses, but earns dividends for the member as well. The money is available to the member on or about October 1 of each year, just in time for those early shoppers.

• Dividends compound and pay monthly
• Deposit any amount, any time, through any means, including direct deposit, CU*Talk transfers, and on-line transfers
• Balance of account can be directly transferred to the account of your choice, giving immediate access for shopping
• No withdrawals are allowed before September 30 without loss of all dividends earned
• Federally insured by the National Credit Union Administration (NCUA) and privately insured by Excess Share Insurance Corporation (ESI)

Current Rates

Vacation Accounts

Start saving now for your next vacation with HCU’s Vacation Club Account. The money is available to the member on or about February 28 of each year, just in time for spring break and summer.

• Dividends compound and pay monthly
• Deposit any amount, any time, through any means, including direct deposit, CU*Talk transfers, and on-line transfers
• Balance of account can be directly transferred to the account of your choice, giving immediate access for a well deserved vacation
• No withdrawals are allowed before March 1 without loss of all dividends earned
• Federally insured by the National Credit Union Administration (NCUA) and privately insured by Excess Share Insurance Corporation (ESI)

Current Rates