Bring the benefits of HNCU to any mobile or device with internet
From online banking and bill pay to mobile deposit you can bank more conveniently when you go digital.
Benefits You’ll Love
- Access a variety of digital convenience services for free
- Schedule one-time or recurring bill pay
- Deposit checks from home, the office, or anywhere
- View accounts, make secure transfers, and more from your mobile
Online Banking & Bill Pay
- Free service for HNCU members
- Manage a number of banking activities anytime, anywhere with internet access:
- Access eStatements
- View account balances and history
- Transfer funds between accounts (one-time and recurring transfers)
- View checks written
- Make loan payments
- And more
- Secure and easy to use
Bill Pay
- Pay one-time or recurring bills with ease:
- Schedule payments in advance
- Set up payment reminders
- Ensure payments are received on time
- Have all payee information in one convenient place
- Retain funds until paper drafts are presented for payment
- Avoid paper clutter
- More secure than paper billing
- Make more time for yourself; fewer bank trips necessary
- Print or download to popular financial management software
Mobile Banking
From the most basic text-enabled phone to the most advanced smartphone, our updated mobile banking offers options for just about any device. With text banking, you can check account balances, view recent transactions and transfer funds. With web-enabled phones, the iPhone and Android apps, you can do all of this as well as deposit checks, pay bills, and find ATMs & shared branches.
QwikSnap Deposit
- Electronic bank statements that can be delivered via email, or through Online Banking
- Receive free, easy-to-access statements
- View your e-statements anywhere, at any time
- Securely view account information online
WHAT ARE FEDNOW PAYMENTS?
FedNow is a service that facilitates real-time (within a few seconds) transfer of funds between financial institutions. The service doesn’t require human intervention, so it’s available 24/7.
CLICK HERE TO WATCH A VIDEO TO LEAN MORE
ARE FEDNOW PAYMENTS AVAILABLE FOR HNCU MEMBERS?
At this time, all HNCU members are eligible to RECEIVE instant payments from financial institutions that choose to send money through FedNow.
Currently, members are NOT able to SEND instant payments from HNCU accounts. We hope to provide this option in the future, and we’ll share details as they become available.
An important thing to remember: HNCU does not have any direct control over when a payment is sent via FedNow. However, our members CAN receive payments that are sent instantly through the service.
WHAT ARE SOME OF THE BENEFITS OF FEDNOW PAYMENTS?
- Small businesses and independent workers or contractors could receive payment for their work immediately upon completion of services. This can happen either directly from a client or their employer if funds are transferred through a financial institution where FedNow is available.
- Getting paid immediately by an employer on payday is a possibility! Currently, most payroll is conducted through Automated Clearing House – ACH – and can take 3-5 days to process. While shifting payroll to FedNow won’t happen for every business, some may offer this as a perk – particularly once FedNow payments become more common.
- You are at a restaurant, celebrating with a group of friends. You cover the cost of the meal. If everyone else in attendance makes a FedNow payment, you’ll receive their share of the bill immediately.
- You are experiencing an emergency that is covered by your insurer. It’s possible for them to send a disbursement of funds the moment your claim is approved (rather than sending a check by mail). While not every insurer will necessarily offer this option, it’s likely to become an increasingly popular offering.
CLICK HERE TO LEARN MORE ABOUT THE BENEFITS OF FEDNOW
WHAT HAS TO HAPPEN FOR INSTANT PAYMENTS TO WORK?
The financial institution SENDING a payment and the institution RECEIVING the payment must both be participating in FedNow and choose to transfer money that way. You may also need to provide your funding source with our routing number as well as your account number. You’ll want to use your full account number.
Keep in mind, because HNCU can only I instant payments at this time, whether or not a payment is sent instantly via FedNow is determined by the institution sending you the money.
IS FEDNOW SAFE TO USE?
Yes, FedNow payments incorporate new safeguards against fraud that layer with those already in place. While there are no perfect deterrents for fraud, we urge you to continue to be vigilant in avoiding common scams and reporting possible fraud as soon as possible.
IS THERE A FEDNOW APP OR PLATFORM I NEED TO LOG IN TO?
No need for a new app or login! FedNow payments are made between financial institutions – you don’t need an intermediary app like you would for PayPal, Zelle, Apple Pay, etc.
HOW IS THIS DIFFERENT FROM PAYPAL, ZELLE, APPLE PAY, ETC.?
It’s common for payment apps to hold your funds on the app for several days. There’s often a surcharge to move funds same day. FedNow payments are routed directly to your account in real-time so your money is where you need it when you need it.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Best in Show Money Market
| Minimum Balance | APY | Dividend Rate |
|---|---|---|
| $35,000 - $69,999.99 | 3.250% | 3.198% |
| $70,000.00 or greater | 3.750% | 3.682% |
No dividends will be earned on the days that the minimum balance falls below $35,000.
Cash Management Account
| Minimum Balance | APY | Dividend Rate |
|---|---|---|
| $2,500.00 - $9,999.99 | 0.250% | 0.250% |
| $10,000.00 or greater | 0.500% | 0.500% |
No dividends will be earned on the days that the minimum balance falls below $2,500.
Club Accounts
| Account | Minimum Balance | APY | Dividend Rate |
|---|---|---|---|
| Holiday | No minimum balance | 0.050% | 0.050% |
| Vacation | No minimum balance | 0.050% | 0.050% |
| Summer | No minimum balance | 0.050% | 0.050% |
Home Equity Loan - Rates current as of December 19, 2024
| Loan Type | APR* | Max Term |
|---|---|---|
| Fixed Rate Home Equity | 7.250% | 5-year |
| Fixed Rate Home Equity | 7.750% | 10-year |
*APR = Annual Percentage Rate. Rates and terms accurate as of 12/19/24. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For home equity line of credit terms of 60 months estimated monthly payment of $698.02 per $35,000 borrowed. Payment is based on home equity line of credit rate of 7.250%. Rate assumes LTV of 90% or less. Program subject to change without notice. Member conditions apply. All loans require a completed loan application and approved credit. Please refer to the Membership & Account Agreement, Truth-in-Savings Disclosures, Loan Agreements and Fee Schedule for specific account requirements and restrictions.
Horizons Account
| Minimum Balance $25,000 | APY | Dividend Rate |
|---|---|---|
| $25,000 - $99,999.99 | 1.000% | 0.995% |
| $100,000+ | 2.000% | 1.982% |
$10 monthly fee if account falls below the minimum balance of $25,000. No dividends are earned on the days that the account balance falls below the minimum balance.
Interest-Bearing Checking
| Minimum Balance | APY | Dividend Rate |
|---|---|---|
| $0 - $499.99 | 0.00% | 0.00% |
| $500.00- $2,499.99 | 0.050% | 0.050% |
| $2,500 or greater | 0.050% | 0.050% |
Minimum balance to earn dividends is $500. $10.00 monthly fee charge when balance below $500.
IRA Share Accounts
| Minimum Balance | APY | Dividend Rate |
|---|---|---|
| $25 | 0.200% | 0.200% |
IRA Share Certificates $10,000 to $24,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 12 Month | 3.75% | 3.682% |
| 18 Month | 3.25% | 3.198% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
Minimum balance for IRA Share Certificates is $500.
IRA Share Certificates $25,000 to $49,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 12 Month | 3.75% | 3.682% |
| 18 Month | 3.25% | 3.198% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
Minimum balance for IRA Share Certificates is $500.
IRA Share Certificates $50,000+
| Term | APY | Dividend Rate |
|---|---|---|
| 12 Month | 3.75% | 3.682% |
| 18 Month | 3.25% | 3.198% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
Minimum balance for IRA Share Certificates is $500.
IRA Share Certificates $500 to $9,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 12 Month | 3.75% | 3.682% |
| 18 Month | 3.25% | 3.198% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
Minimum balance for IRA Share Certificates is $500.
Kasasa Cash*
| Balance | APY | Dividend Rate |
|---|---|---|
| 0 - $25,000 | 4.000% | 3.922% |
| $25,000+ | 0.250% | 0.250% |
| All balances if qualifications not met | 0.010% | 0.010% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least one (1) ACH DEBIT Payment or Bill Pay transaction(s)
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
We understand life gets busy. If you don’t meet the qualifications one month, your account is still free and you can try again the following month.
Kasasa Saver‡
| Balance | APY | Dividend Rate |
|---|---|---|
| 0 - $25,000 | 3.000% | 2.956% |
| $25,000+ | 0.250% | 0.250% |
| All balances if qualifications not met | 0.010% | 0.010% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least one (1) ACH DEBIT Payment or Bill Pay transaction(s)
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
We understand life gets busy. If you don’t meet the qualifications one month, your account is still free and you can try again the following month.
Promotional Certificates
| Term | APY | Dividend Rate |
|---|---|---|
|
4.40% | 4.306% |
APY offered as of 4/19/25
The Credit Union may discontinue this offer at any time.
Second Mortgage - Rates current as of December 19, 2024
| Loan Type | APR* | Max Term |
|---|---|---|
| Fixed Rate 2nd Mortgage | 7.250% | 5-year |
| Fixed Rate 2nd Mortgage | 7.750% | 10-year |
| Fixed Rate 2nd Mortgage | 8.250% | 15-year |
*APR = Annual Percentage Rate. Rates and terms accurate as of 11/13/24. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For a fixed rate 2nd mortgage terms of 60 months estimated monthly payment of $698.02 per $35,000 borrowed. Payment is based on fixed rate 2nd mortgage rate of 7.250%. Rate assumes LTV of 90% or less. Program subject to change without notice. Member conditions apply. All loans require a completed loan application and approved credit. Please refer to the Membership & Account Agreement, Truth-in-Savings Disclosures, Loan Agreements and Fee Schedule for specific account requirements and restrictions.
Share Certificates $10,000 to $24,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 3 Month | 3.50% | 3.440% |
| 6 Month | 4.00% | 3.922% |
| 12 Month | 3.75% | 3.682% |
| 24 Month | 3.00% | 2.956% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
The minimum opening deposit for all share certificates is $500.
Share Certificates $25,000 to $49,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 3 Month | 3.50% | 3.440% |
| 6 Month | 4.00% | 3.922% |
| 12 Month | 3.75% | 3.682% |
| 24 Month | 3.00% | 2.956% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
The minimum opening deposit for all share certificates is $500.
Share Certificates $50,000+
| Term | APY | Dividend Rate |
|---|---|---|
| 3 Month | 3.50% | 3.440% |
| 6 Month | 4.00% | 3.922% |
| 12 Month | 3.75% | 3.682% |
| 24 Month | 3.00% | 2.956% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
The minimum opening deposit for all share certificates is $500.
Share Certificates $500 to $9,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 3 Month | 3.50% | 3.440% |
| 6 Month | 4.00% | 3.922% |
| 12 Month | 3.75% | 3.682% |
| 24 Month | 3.00% | 2.956% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
The minimum opening deposit for all share certificates is $500.
Share Savings - Primary and Secondary
| Minimum Balance | APY | Dividend Rate |
|---|---|---|
| $0 - $499.99 | 0.00% | 0.00% |
| $500.00 - $1,999.99 | 0.050% | 0.050% |
| $2,000.00 - $4,999.99 | 0.050% | 0.050% |
| $5,000.00 - $19,999.99 | 0.050% | 0.050% |
| $20,000 or greater | 0.050% | 0.050% |
Polar Bear Kids Club and Teen Vision Club accounts automatically earn highest rate.
Vehicle Loans - Rates current as of February 14, 2025
| Loan Type | APR* | Term |
|---|---|---|
| Auto Loans - New, used and refi | As low as 5.490% | Up to 72 months |
| Recreational Vehicle - New and used | As low as 5.490% | Up to 120 months |
| Motorcycle - New, used and refi | As low as 6.990% | Up to 60 months |
*APR = Annual Percentage rate, 5.49% available on refinances from other institutions or new loans only. Subject to credit qualifications. HNCU makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.
For new car terms of 60 months estimated monthly payment of $763.86 per $40,000 borrowed. Minimum auto loan is $1,000. Payment is based on new car rate of 5.49% APR. Rate assumes LTV of 125% or less. Program subject to change without notice. Member conditions apply. 84-month used auto stipulations: Minimum loan amount is $25,000 and cannot be more than 2 years older than the current year, with FICO score of 760+.
Youth Accounts
| Account | Minimum Balance | APY | Dividend Rate |
|---|---|---|---|
| Polar Bear | No minimum balance | 0.050% | 0.050% |
| Teen Vision | No minimum balance | 0.050% | 0.050% |