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Smart Start is a special account for our members ages 18 to 25. We know that finances can be confusing when you are just starting out. We developed our Smart Start account to help you get started.
- Smart Start Checking - no minimum balance, no monthly charge. You can write up to 4 checks a month at no cost and just 50 cents a check over that amount.
- 50 free checks per year
- 1/4% off on your first car loan with HRCU
- STAR ATM card or AlternaCheck debit card with no annual fee
- VISA® credit card in your own name if you qualify
This is the right account for you whether you are going off to college or starting a new job.
 SmartKidz is a great program for children ages birth to 12 to learn how to save. With this program, not only will your children receive incentives for making deposits at the Credit Union, but many have the opportunity to conduct their financial business right at their schools when Credit Union representatives come for a weekly Banking Day. It's a great way to get our youngest members used to saving money and planning their future.
Features:
- $5 opening balance
- Monthly dividends
- Minimum of $100 to open a certificate of deposit
- Saturday banking days with rewards for deposit
- Birthday cards with gift certificate
Membership in the SmartKidz club requires the child's name, social security number and the opening of a $5 share account for the child at the Credit Union. For more information call Member Services at (603) 332-6840 or e-mail kids@hrcu.org
Note: The email link above is not sent over a secure connection. Confidential information should not be included in this method of communication.
 Smart Teens is a special program designed to bridge the gap between our youngest members and those entering adulthood. Smart Teens meet the needs of our members age 13 to 17, and gives these members the ability to develop responsible habits regarding their finances before entering adulthood. Smart Teens members are offered:
- Smart Teens - no minimum balance, no monthly charge. You can write up to 4 checks a month at no cost and just 50 cents a check over that amount.
- 50 free checks per year
- 1/4 % off on your first car loan with HRCU
- STAR/MAC ATM card or AlternaCheck debit card with no annual fee
- Secured VISA® credit card if you qualify (parents are required to be on account)
You’re always telling your child to "Save your money." With HRCU’s new Student Saver account, there’s a good reason! This account is for students grades K-12 and helps them learn the value of saving their money. The account earns 5.00% APY interest*. With this high percentage yield, they’ll see their account balance grow, and quickly learn that saving pays.
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| Find out how our special variable rate loan can work for you. Click here |
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Savings & Shares
Smart Kids
