Universal Savings Account

This type of account allows you to keep your savings separate for almost any purpose!

Our Universal Savings Account Features:

  • $5 minimum balance to open the account.
  • Earn compounded quarterly dividends on an average daily balanceof $500
  • Competitive dividend rates!
  • No transaction fees!
  • Funds are federally insured by NCUA up to $250,000
  • FREE Direct Deposit. Convenient, dependable deposit of your paycheck – automatically, every payday.
  • FREE Mobile Banking. View and make transactions directly from your mobile device.
  • FREE Virtual Branch access. Manage your account completely online.
  • FREE Audio Response. Access to your account by phone.
  • FREE Text Alerts. Set up email and mobile alerts for balances and transaction history.
  • Free monthly eStatements.

This type of account allows you to keep your savings separate for almost any purpose!

Dividend Rates

Average Daily Balance Dividend Rate Annual Percentage Yield
$0.00-$499.99 0.00% 0.00% APY†
$500.00-$4,999 0.10% 0.10% APY†
$5,000 and up 0.15% 0.15% APY†

† APY=Annual Percentage Yield. Dividends are compounded quarterly and paid on the last day of the quarter. Minimum daily average balance to obtain APY is $500.00.  Rate and APY are variable and are subject to change after the account is opened. Annual Percentage Yields shown are effective as of 10/18/13. Fees may reduce earnings. $5.00 is required to open account.


There will be a $10.00 dormant account fee each month for accounts that have been inactive for nine (9) months. Please refer to the disclosure provided at time of account opening for details.

Virtual Branch Home Banking

Virtual Branch Enrollment & Logon
Gain online banking access.

Set up Direct Deposit
Establish direct deposit of your paycheck.

Funds Availability Policy

Contact HRCCU

Branch Locations
ATM Locations
HRCCU Audio Response
Email HRCCU                                                                                                                                                                                                                                                                                                                                                                                                                           HRCCU Contact Information
Update Your Contact Information
MailIT – Secure Correspondence


College Savings Calculator
Retirement Savings Calculator

This type of account allows you to keep your savings separate for almost any purpose!

Open a Universal Savings Account Today!

Current Member/owners:

Opening an HRCCU Universal Savings Account is EASY! Just visit or contact your local branch to let them know that you wish to open an HRCCU Universal Savings Account and how much you’d like to transfer or deposit to start the Account. It’s that simple!

Non-members will need the following information:

  • To open an account, you will need to present one of the following forms of identification:
    A current state -issued driver’s license (with photo)
    U. S. Military Identification (with photo)
    A current sheriff’s ID card (with photo)
    A current passport from any country (with photo)
  • For accounts opened remotely (by mail or delivery of non-member information by a current member), the following applies: We will require a copy of one of the acceptable documents (above) as well as Member Identification Information and Verification Card completed, signed before a Notary Public and returned.


Completing the application

  1. Visit your local HRCCU branch.
  2. Ask to meet with a Financial Services Representative.
  3. If you are not currently a Credit Union member, a Financial Services Representative can help you to complete your membership application.
  4. Customize your account by setting up additional services like:
    • Online eStatements
    • Courtesy Pay Protection
    • Signing up for Virtual Branch Home Banking, Mobile MoneyTM and Online Bill Pay
    • Setting up a direct deposit


We comply with the rules of  the The USA Patriot Act
The USA Patriot Act requires all private banking institutions to collect, verify and record information that positively identifies individuals who open accounts. To comply with this requirement, please have the following items ready:

  • Current Driver’s License or State Issued Non-Driver ID
  • Social Security Number (SSN)
  • Verifiable information for Joint members and Beneficiaries
  • General Credit file information (needed to answer questions based on your credit file)
Hudson River Community Credit Union

Hudson River Community Credit Union