Deposit Accounts

Share Account

A basic savings account that requires a $50.00 minimum deposit to open. Interest is paid on balances greater than $100.00. To obtain a membership with HMCU you must first open a basic, membership share savings account.  There is a minimum $50.00 deposit that must be made.  HMCU charges $40.00 for a membership fee and $10.00 must remain in your savings account at all times to keep your account open.

• Competitive rates for an account that lets you keep cash on hand.
• For added flexibility in tracking your money, you can open more than one savings account in your name.
• Your account is included as an overdraft account with your checking.
• You will be able to access your account at any shared branch location in the United States.
• No Monthly Service Charge.

DIVIDENDS ARE COMPOUNDED QUARTERLY on both principal and earnings, from day of deposit to day of withdrawal.
Sign up today by opening a share savings account.

Simple Account

Tired of paying transaction fees and overdraft fees?  HMCU introduces the New Simple Account.  This account has no NSF or overdraft fees.  For as little as $15.95 per month you get the following:

- No Overdraft Fees
- No NSF Fees
- No Transactions Fees
- No minimum balance is required
- Free online banking
- Free ATM and Debit Transactions at Pulse machines

SIGN UP TODAY!!! THE "SIMPLE ACCOUNT IS THE WAY TO GO!!!!

Digitial Debit Account

This account is for our members that wish to avoid the hassle of checks. With this account, our members will receive a Debit Card, internet banking with Bill Pay. No incoming wire fee, FREE Cashier Checks.  Rewards program.  No monthly fee and no minimum balance are needed. NO ATM FEE at Pulse locations.  CHECKS WILL NOT PROCESS THROUGH THIS ACCOUNT.  Normal banking privileges applies to this account.

Coral Account

This is a non-interest bearing checking account with no minimum balance and no monthly fee.  The minimum to open this account is $100.00.  This account comes with a Free Debit Card; No incoming wire fee, No ATM FEE at Pulse locations, FREE Bill Pay, Cashier's Checks for $1.00, with payroll direct deposit, this account will get FREE money transfers FREE Checks and rewards program.

Crown Management Account

This account has no minimum deposit and no average balance requirement.  Interest is paid on this account, please check the interest rate schedule for current interest.  This account has FREE checks, FREE Crown Management Debit Card, No FEE ATM withdrawals, a Rewards Program, and FREE Miles, FREE money transfers, No incoming wire fee, a $5.00 out going wire fee, and FREE Cashier's Checks.

Holiday Club

A higher interest account that promotes saving money to be used for any type of vacation or emergency usage. This account requires a minimum deposit of $100.00 to open. Interest is paid on this account quarterly into the members account. (Check interest and fees disclosure for current rates)  This account has a limitation on withdrawals. Withdrawals can only be made twice a year. If the withdrawals exceed 2, then there will be a penalty of 10% of the withdrawal amount.

Christmas Club

A higher paid account that promotes saving money to be used around the Christmas season. This account requires a minimum deposit of $100.00 to open. Interest is paid on this account quarterly into members account. (Check interest and fees disclosure for current rates)  This account has limitation on withdrawals that are allowed. Withdrawals can only be made during the time frame of November 22 thru December 24. At any other time, there will be a penalty of 10% of the withdrawal amount.

Certificate of Deposit

These are standard CD's with standard penalties for not allowing the CD to mature.  The rates on these CD's match market rates.  Please check the FEES and INTEREST Disclosure for current rates.

Hot Certificate of Deposit

These are CD's that pay higher than market rates and are subject to stiff penalties if the money is withdrawn before the maturity period.  The minimum CD deposit is $1000.00 and the maximum is $100,000.00.  Interest rates on these type CD's range from 3% on up depending on the maturity period.  Please check the FEES and INTEREST Disclosure for current rates