Shares/Savings

Share Savings Account
This account establishes your membership in the credit union. This account is required before any other products or services can be utilized. This account allows you to save and at the same time provides you the flexibility of being able to withdraw funds when you need them. A $25 minimum opening deposit is required. 

Share Certificates / CD
Share certificates allow members to earn a higher rate of return by depositing a minimum of $500 for a specific term. The rate is specific to the term. Dividends are compounded quarterly. Certificates are subject to early withdrawal penalties.

Money Market Account
A dividend earning savings account that requires a $2,000 minimum balance.

Health Savings Accounts (HSA)
A Health Savings Account (HSA) from HCFCU is a great way to fund present
and future medical expenses of the account holder and his or her dependents, while taking advantage of tax savings.  
In order to open an HSA, the participant must first be enrolled in a qualifying High Deductible Health Care Plan (HDHP). This product is offered by most insurance providers.

Individual Retirement Accounts (IRA)
It's never too early to begin saving for a secure retirement. We can help you to safely achieve your retirement goals with our Roth, Traditional and Education IRA plans. Your principal is insured up to $250,000 by the NCUA, a U.S. Government agency. This is in addition to the $250,000 of NCUA insurance provided on your share savings, money market share, and share certificates.