Try Our New Car Buying Service

Shop local inventory, take a virtual test drive, receive estimated payments & more!

Find A Car

Lobbies Temporarily Closed

All branches remain open with drive-thru service and in-branch by appointment only.

Learn More

Get Paid. Bank Local.

Get some serious cash rewards every month with our free Kasasa Cash and Cash Back accounts.

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90 Day No Pay Auto Loans

Get behind the wheel of a winter-ready vehicle with our 90 Day No Pay Auto Loans!

Apply Now

Make the Switch!

Open an account with HRCCU and easily switch your direct deposit and automatic payments in a few clicks using ClickSWITCH!

Learn More

Important COVID-19 Update: In a continued effort to keep members and employees safe, all HRCCU branches are now limited to drive-thru service only. Please find COVID-19 Updates and Financial Relief information here.

What Can We Do For You?

  • Mortgages

    Get prequalified today and speak to one of our mortgage specialists to find the right mortgage for you.

    Apply Today
  • Auto Loans

    Our low rate auto loans and flexible terms can put you behind the wheel of a new or used car today.

    Apply Today
  • Home Equity Loans

    Pay for large expenses with a Home Equity Loan of up to 95% of your home’s appraised value.

    Apply Today
  • Checking

    Get a free Kasasa checking account that rewards you in cash each month.

    Get Kasasa
  • Savings

    With six types of savings accounts that require just $5 minimum balance, find the one that fits your needs.

    Get Savings
  • Certificates

    Start saving today with certificates that yield higher dividends than traditional savings.

    Get Certificates
  • Personal Loans

    A secured or unsecured personal loan lets you borrow for vacations, large purchases or anything else you need.

    Apply Today
  • Visa Credit Card

    Earn cash back rewards with HRCCU’s low rate, no annual fee VISA Platinum Credit Card.

    Apply Today
  • Retirement Accounts

    Save for retirement with a Traditional, Roth or Coverdell IRA.

    Get IRA

Why Choose HRCCU

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Member Owned
As a member of HRCCU, you are more than a number, you’re an owner of a not-for-profit financial cooperative that returns excess earnings to its members.
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Simpler Banking
Manage your accounts, deposit checks remotely, make payments and easily transfer funds anytime, anywhere from your online devices.
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Great Rates
Earnings made by HRCCU are returned to our members in the form of reduced fees, higher savings rates and lower loan rates.
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Nationwide Access
HRCCU is part of a shared branch network that provides members access to their accounts at more than 30,000 branch and ATM locations.

Current Rates

Auto Loans
APR as low as
2.24%
Fixed Rate 36 Month
Mortgages
APR as low as
2.50%
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
2.875%
Fixed Rate 5-year fixed
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
logos of Bauer 5-star, America's Credit Union, Equal Housing Opportunity, Marshall & Sterling Insurance, and National Credit Union Administration