Share Draft Account Rates
| Account |
APY*
|
APR
|
Checking Accounts
|
0.20%
|
0.20%
|
Rates Effective 7/1/2010
* Annual Percentage Yield
HCCU has four different checking options designed to meet the needs of our members.
Standard Checking
- Dividends Paid Monthly
- Low Minimum Balance of $100 to Avoid Monthly Service Fee
- No Per Check Fees & Unlimited Check Writing
- Overdraft Protection Available
- Automatic Transfers to Share, Club, or Loan Accounts Available
- ATM/Debit Card Available
- Unlimited Use of Debit/ATM Card
- Fee-Free ATMs Through ATM Alliance
- Large Selection of Checks
- Free Use of Phone Banking
- Free Use of Online Banking
- Free Use of Online Bill Pay
- Free E-Statement Service
Fee Free Checking Account
Our Fee Free Checking offers all the features you need in a checking account - plus you earn interest on your entire balance! The only requirement is that you have direct deposit to your account.
- Direct Deposit of Net Paycheck Required
- No Minimum Balance Required
- No Monthly Service Fees
- Dividends Paid Monthly
- Free 1st Box of Advantage Checks
- No Per Check Fees & Unlimited Check Writing
- Free 1st ATM/Debit Card
- Unlimited Use of ATM/ Debit Card
- Fee-Free ATMs Through ATM Alliance
- Overdraft Protection Available
- Automatic Transfers to Share, Club, and Loan Accounts Available
- Free Use of Phone Banking
- Free Use of Online Banking
- Free Use of Online Bill Pay
- Free E-Statement Service
Student Checking
Our Free Student Checking Account is available to all full-time students with a valid student ID and features all the benefits of a Fee Free Checking Account without the direct deposit requirement.
- No Minimum Balance Required
- No Monthly Service Fees
- Free Advantage Checks
- Dividends Paid Monthly
- No Per Check Fees & Unlimited Check Writing
- Free 1st ATM/Debit Card
- Fee-Free ATMs Through ATM Alliance
- Overdraft Protection Available
- Automatic Transfers to Share, Club, and Loan Accounts Available
- Free Use of Phone Banking
- Free Use of Online Banking
- Free Use of Online Bill Pay
- Free E-Statement Service
Advantage Checking
HCCU's Advantage Checking Account is available for all members age 50+ and offers all the benefits of the Fee Free Checking without the requirement of direct deposit.
- No Minimum Balance Required
- No Monthly Service Fees
- Free Advantage Checks
- Dividends Paid Monthly
- No Per Check Fees & Unlimited Check Writing
- Free 1st ATM/Debit Card
- Fee-Free ATMs Though ATM Alliance
- Overdraft Protection Available
- Automatic Transfers to Share, Club, and loan Accounts Available
- Free Use of Phone Banking
- Free Use of Online Banking
- Free Use of Online Bill Pay
- Free E-Statement Service
* A.P.Y. = Annual Percentage Yield
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