Helping our neighbors stay warm. 

Save for home heating costs, earn 5.00% APY*, and see more ways we're helping our members get a little extra help.

Open a Home Heating Club Account

An Account for 
New England Winters.

New England winters are a part of life. So are the expenses that come with keeping your home warm. 

With an HRCU Home Heating Club Account, you can put money aside specifically for home heating costs while earning 5.00% APY on balances up to $5,000.* 

And this season, we're giving our neighbors even more ways to get a little help. 


Open a Home Heating Club

Special Raffle

A little extra help goes a long way.

This season, every bit you save could come with a little extra help from our weekly and monthly raffles.

  • $100 GAS CARD – 
    One recipient every week. Something to help keep you moving all winter long.**
  • $500 HOME HEATING CLUB CREDIT – 
    Two recipients every month. Each recipient will receive $500 credited to their Home Heating Club Account, giving their savings an extra boost when it matters most.**

New England winters can be unpredictable, and heating oil prices can change right along with them. That’s why it pays to plan ahead. Start setting money aside with your Home Heating Club Account now, so when the temperature drops and the next heating bill arrives, you’re a little more prepared for whatever winter throws our way.


**Promotion valid 11/1/2026-1/31/2027. Open to eligible new and existing HRCU Home Heating Club members, regardless of account balance. Two (2) $500 recipients selected monthly and one (1) $100 gas gift card recipient selected weekly. Gift card will be mailed to the address on file. Limit one prize per member during the promotion period. Employees and volunteers are not eligible. No purchase necessary. Odds of winning depend on the number of eligible entries received. HRCU reserves the right to adjust or discontinue the promotion at any time. Terms and conditions apply.

Start Saving

Have questions? We have answers.

Home Heating Club

A Home Heating Club Account is a dedicated savings account designed to help you set money aside for home and heating expenses. Save throughout the year so you're better prepared when colder weather arrives.

Your Home Heating Club earns 5.00% APY up to $5,000.*

Your savings can help you prepare for home heating expenses, whether you're budgeting for oil, propane, pellets, electricity or other costs associated with keeping your home comfortable.

*APY=Annual Percentage Yield. All dividends are based on the Average Daily Balance and are paid monthly. For tiered rates when the Average Daily Balance exceeds the first tier maximum amount, dividends will be based on a split rate using both rate tiers. All rates are variable and subject to change without notice. Deposits are fully insured up to $500,000; to at least $250,000 by NCUA and $250,000 by Excess Share Insurance. Home Heating Clubs are not eligible for online withdrawals. One (1) Home Heating Club per membership.

**Promotion valid 11/1/2026-1/31/2027. Open to eligible new and existing HRCU Home Heating Club members, regardless of account balance. Two (2) $500 recipients selected monthly and one (1) $100 gas gift card recipient selected weekly. Gift card will be mailed to the address on file. Limit one prize per member during the promotion period. Employees and volunteers are not eligible. No purchase necessary. Odds of winning depend on the number of eligible entries received. HRCU reserves the right to adjust or discontinue the promotion at any time. Terms and conditions apply.

Open Your Account Online

Your Neighborhood Credit Union

Phone#:
603.332.6840
Routing#:
211489669
NMLS#:
740044
Shared Branching ATM / Co-Op Locator
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