This program, designed for the 15-25 year old crowd, is perfect for young adults.

GR8 2B Young Share Draft/Checking *

• 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 ATM
• 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 brass|Magazine featuring blogs, videos, monthly newsletters and more
• Free access to brass| Show including cu|Brass blogs
• Free eTunes downloads by completing courses on the Guides to Independence website

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 Program

This program is for HRCCU members, ages 16-25, who have not established auto credit and do not have negative credit. Members who are approved for a First Time Car Loan will receive a complimentary online defensive driving course.

The requirements are as follows:

• Mimimum of one year employment or currently enrolled as a student (student ID required).
• Must have an HRCCU share draft checking account with automatic loan payments.
• Financing up to 90% of book value according to NADA values.
• A co-borrower is required if the applicant is less than 18 years of age.
• Available on qualified new/used vehicle loans (any amount).

Credit Card Programs

Approved applicants may qualify for an HRCCU Platinum VISA® Credit Card. Maximum spending limit up to $25,000 may be available. There is no annual fee for this card.

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.