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90-day delayed first payment

and receive a Visa Gift Card of up to $100 when you book an HRCCU Auto, Boat, ATV, Recreational Vehicle or Personal Watercraft Loan – through August 30, 2014.

Call, click or stop by a local branch for details!

Special Home Loan Rates!

Our special rates on 5 and 15-year term, no-fee, no PMI Home Loans expire on September 1.

Don’t let this opportunity pass you by.
Check our Home Loan Rates          Contact Us

Upside down on your mortgage?

Our all-new Equity Builder Home Loan may be able to help get you out from under your current mortgage!

Click here for rates and information!

Mark your calendar for the 7th Annual HRCCU Golf Classic
being held at the beautiful Saratoga Lake Golf Club.

Join us for a great day of golf and  your chance  to win a
2015 Chevy Malibu, or other great prizes!

Click here for info and a brochure.

HRCCU Volunteers Wanted!

We are looking for HRCCU members to serve on our Credit Union Supervisory Committee.

Sound interesting? Click here for info.

On-The-Go access to your accounts !

View account balances, transactions, transfer funds, pay bills and more with Mobiliti!

Enroll today! Message and Data rates may apply.
Click to view a demo and enrollment instructions

Virtual Branch Home Banking

Safely and securely access your Credit Union accounts,
to view transactions and transfer money online!

Find out more!

We’re here to help you.

We’re members, just like you. Working together, we can help you to overcome just about any financial challenge.

Contact Us

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Choice Checking

Choice Checking

A simple, Free Checking account. Perfect for those with basic checking needs.

Premier Checking

Premier Checking

An interest-bearing account for members who maintain higher balances.

Prime Plus Checking Account

Prime Plus

For members age 62 and over who direct deposit net pay or retirement monthly.

Youth Checking

GR8 2B YOUNG

This is the perfect starter checking account.  Designed for Young Adults ages 15-25.

Business Checking

Business Checking

Any sole proprietor, partnership or corporation will enjoy the benefits of our business accounts.  Two great account options:

Community Business Checking

Community Business Plus Checking

Choice Checking Premier
Checking
Prime Plus
(Members ages 62+)
GR8 2B Young
(Ages 15-25)
Best For Members 25 & older. Members w/ a minimum Balance > $500. Age 62 & over. Teens and Young Adults.
Minimum Balance $0 $500 $0 $0
Monthly Service Fee $0 $5 fee charged if Average Daily Balance falls below $500. $0
Must have direct deposit.
$0
Must use eStatements.
Check Order Fees First order of 120 free BASIC Checks Free Unlimited BASIC Checks Free Unlimited BASIC Checks One free Box per year BASIC Checks
Per Check Charges No No No No
Visa Debit Card Access Check Check Check Check
Foreign ATM Transaction Fees  $2 each First Five (5) transactions free/ month; $2 each additional transaction $2 each First Four (4) transactions free/ month; $2 each additional transaction
Courtesy Pay Protection Available Check Check Check Check
FREE* access to Virtual Branch & Mobile Banking (*data & other charges may apply) Check Check Check Check
FREE Audio Response Check Check Check Check
FREE eStatements (link estatements) Check Check Check Check
Switch Today! Switch Today! Switch Today! Switch Today!
Choice Checking Premier Checking Prime Plus Checking GR8 2B Young
(Ages 15-25)
Non-Interest
Bearing
Balances less than
$2,499.99
Rate 0.05%
APY* 0.05%
Non-Interest
Bearing
Balances over
$250
Rate 0.10%
APY* 0.10%
Balances over
$2,500
Rate 0.10%
APY* 0.10%

*APY = Annual Percentage Yield.

Community
Business Checking
Community
Business Plus Checking
Best For Smaller business with less than 300 monthly transactions. Larger organization with greater than 300 monthly transactions and higher balances.
Minimum Balance $0 $2,500
Monthly Service Fee $0 $10 fee charged if Average Daily Balance falls below $2,500.
Interest Bearing Account No Yes
VISA® Debit Card Access Check Check
Foreign ATM Transaction Fees  10 free. $2 each thereafter. 15 free. $2 each thereafter.
Courtesy Pay Protection Check $600 Check $600
FREE Virtual Branch & Mobile Banking Check Check
FREE Audio Response Check Check
FREE eStatements Check Check
Monthly Transactions; include ACH, Debits, Credit, Over the counter withdrawals and deposits-cash and checks 300 items free; thereafter $0.20/item 500 items free; thereafter $0.20/item
Switch Today! Switch Today!
Community
Business Checking
Community
Business Checking Plus
Non-Interest Bearing Balances between $2,500 – $9,999 Rate 0.15%
APY* 0.15%
Balances over $10,000 Rate 0.20%
APY* 0.20%

* APY= Annual Percentage Yield.