This program, designed for the 15-25 crowd, is perfect for young adults who have begun their first job or are attending college.  New in 2010, GR82B Young Concert Series. Click here for concert details.

GR8 2B Young Share Draft/Checking (type s73)*

• Checking with free ATM Card or VISA Debit Card
• No minimum balance requirement
• No monthly service charges or per check fees (One free box of checks per year, your style choice)
• Earn interest on balances over $250
• Free ATM withdrawals from any HRCCU owned ATMs
• Full access to Allpoint Surcharge-free ATM Network with over 37,000 locations worldwide
• Up to 4 free foreign ATM transactions per month
• Free Virtual Branch Internet Banking with Bill PayIt and Mobile Banking (wireless)
• Free monthly eStatements required
• Unlimited point of sale transactions
• Free access to cu|Brass media featuring blogs, videos, monthly newsletters and more
• Free access to cu|Brass media show including cu|Brass blogs
• Free iTunes downloads by completing courses on the Guides to Independence website

PLUS these great FREE benefits with your Share Draft Checking Account

• Everyday Rebate Rewards: You get rewarded for everyday purchases including gas, groceries, pet supplies and more. You will receive quarterly rebates up to $10 when you submit your receipts and vouchers for everyday purchases. You can save up to $40 in rewards annually – just by purchasing items you use every day! For frequently asked questions click here!
• Cash Rewards (Online Shopping):  Savings made simple! You want value, savings, and ease of use.  This convenient cash back rewards program allows you to register a credit or debit card, shop online through our secure portal, and receive easy cash back on purchases with over 200 top brand retailers. (New retailers being added regularly!) You simply pay full price at online check out, then your cash back appears on your monthly statement. No forms to submit, it’s really that simple! For frequently asked questions click here!
• Discounted Gift Cards:  You can enjoy the convenience of buying a gift without any worries or hassles. With this benefit you can purchase gift cards and enjoy a discount of the face value of each card. Discounted Gift Cards are available for popular clothing stores, department stores, hotels, restaurants, and more. For frequently asked questions click here!
• Fraud Assist Toolbox:  Our Fraud Assistance service provides access to a highly trained team of specialists who are ready to provide assistance when a member has been a victim of identity theft. Members receive a Personalized Fraud Resolution Kit. This kit contains contact information, personalized letters to send to credit bureaus and financial institutions, instructions on filing police reports, and tips to avoid future identity theft.  
• Card Patrol:  Card Patrol is a proprietary technology service that helps prevent against identity theft and fraud. Card Patrol’s sophisticated, real-time, early-warning web crawling technology – combined with human intelligence – monitors various chat rooms across cyberspace looking for consumers’ exposed personal information. In the event that we find compromised personal information on one of our members, we immediately get that information back in the hands of the consumer so appropriate action can be taken to minimize the risk of identity theft and fraud. Card Patrol offers real-time data capture and member notification and has frequently been profiled by leading news organizations as a leading identity theft prevention service. For frequently asked questions click here!
• Credit Alert:  Credit Alert provides 24-hour, daily credit monitoring services to help consumers monitor and detect activity on their credit file. This protection service is a valuable tool in mitigating the risks of identity theft and fraud. Daily alerts notify consumers when an inquiry is made into their credit history or when certain negative information is added to their credit report. Members of this service also receive quarterly “no hits” notifications when no activity has been detected. Members also have access to our toll-free Credit Information Hotline staffed by Fair Credit Reporting Act (FCRA) trained representatives, to answer questions about the information contained in their credit file. For frequently asked questions click here!
• Fraud Resolution: This benefit addresses concern for the fastest-growing crime in America: Identity theft. In addition to the insurance coverage, highly-trained fraud specialists are on call 24/7 to assist individuals with the fraud resolution process including how to restore their credit records and more importantly, their good name. Each claimant is issued a customized identity theft recovery kit, which includes pre-written letters the insured can use to notify relevant government agencies and businesses about the theft. Insurance coverage reimburses specified expenses incurred as a result of a stolen identity (such as lost wages, legal fees, certified mail and long distance charges). For frequently asked questions click here!

Share Certificate

Open a fixed rate Share Certificate with as little as $100 and a HRCCU Share Draft Checking Account and receive the same great dividends as a traditional HRCCU Share Certificate with terms 6 to 60 months.

First Time Car Buying & Credit Card Programs*

This program is for HRCCU members, ages 16-25, who have not established auto credit and do not have negative credit. For eligibility speak to anyone on our staff.

Student/Parent College Loans

We offer Interest-Only and Parental Assistance loans as well as home equity financing.

*If member is under age 18, then parent or legal guardian must act as joint account owner. There is also an option for a debit card with parent/legal guardian permission and signature.