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Not an online banking member?
Register today!


Online Banking

Manage your accounts on your schedule - with our secure Online Banking service.

Features
  • Access Online Bill Pay and e-Statements with one sign-on
  • Access to your credit score and credit report, along with personalized tips on how to improve your score or maintain an already great score with "My Better Credit"
  • View balances of your accounts in real-time
  • Schedule and conduct transfers between accounts
  • Make loan payments from your HRCU account
  • Check your account transaction history
  • Set up account notifications and alerts
  • Set budget and savings goals
  • Customize your dashboard & widgets, so you can stay organized

Not an Online Banking member? Register now!

This service is available for HRCU Members Only  Become A Member!

Mobile Banking

Manage your finances anytime, anywhere! Enjoy fast and secure access to track purchases, pay bills, deposit checks, access "My Better Credit" and more with our Digital Banking App. To download the app, click the button below (if viewing this on mobile) for the appropriate app store for the device you are using!

Features
  • View balances on all your accounts in real-time
  • Access to your credit score and credit report, along with personalized tips on how to improve your score or maintain an already great score with "My Better Credit"
  • Conduct & schedule transfers between accounts
  • Make loan payments from your HRCU account
  • Pay bills and set-up recurring bills
  • Check your account's transaction history
  • Locate ATM and branch locations
  • Questions? Check Our FAQs!
Mobile Deposits

Save a trip and take advantage of Mobile Deposit Capture to deposit your personal and business checks safely and securely at anytime from anywhere!

Find the Mobile Deposit Capture feature on your HRCU Mobile Banking app via your mobile device.* Then, simply snap a picture of the front and back of your endorsed check (please also write “For Mobile Deposit Only HRCU Account  #_______” beneath your signature)** and follow the easy on-screen instructions to complete your transaction.***

Check out the FAQs for more information.

*Some restrictions may apply.
**Checks that are deposited using Mobile Deposit MUST have an endorsement on the back of the check. Under the endorsement, "For Mobile Deposit Only, HRCU Account #  _____" MUST be written.
***The HRCU Funds Availability Policy also applies to mobile deposits. Fund Availability Policy.

HRCU Better Card Controls

HRCU Better Card Controls is an easy-to-use tool to help prevent fraud by controlling when, where and how debit and credit cards are used through HRCU Better Card Controls. With HRCU Better Card Controls, you can turn your card “On” or “Off” and control card usage and spending, all through your mobile device. For more information please see our HRCU Better Card Controls FAQs. 

HRCU Better Card Controls is available in the Apple App Store and Google Play Store, download it today!

This service is available for HRCU Members Only  Become A Member!

Mobile Payments

Easily pay with your HRCU debit and credit cards with just a touch of your smart device at contactless (NFC) terminals in stores and in supported apps. Mobile Payments such as Apple Pay, Google Pay and Samsung Pay are simple to use tools that work with the devices you use every day. 

Features
  • Free and easy to use
  • Available on many devices and operating systems
  • Make payments safely and privately

Interested in Peer-to-Peer (P2P) payment solutions like Venmo, PayPal or other popular services?
Yes - we support those too! We always strive to have the latest in banking technology available to our members!

This service is available for HRCU Members Only  Become A Member!

Shop For A Car

Let us help you find your next new or used vehicle!

Click "Find My Car Now" to access CUDL AutoSMART and see offers from local dealerships!

If you are ready to apply for your auto loan already, click "Apply Now" and let's get started!

Features
  • Finance your new or used vehicle from a dealer or private party sales
  • Same-day decisions
  • Weekly or bi-weekly payments available
  • Loan will be held and serviced right here at HRCU
  • Extended warranties and GAP policies available
  • Life/Disability payment insurance available to eligible borrowers
Rates

Auto Purchase Rates

Auto Purchase Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2019 - 202224 - 63 Months2.19%125% LTV$5,000$16.82Apply Now
64 - 75 Months2.79%125% LTV$15,000$14.55Apply Now
76 - 84 Months3.69%125% LTV$20,000$13.53Apply Now
2014 - 201824 - 63 Months2.54%125% LTV$5,000$16.98Apply Now
64 - 75 Months3.14%125% LTV$15,000$14.71Apply Now
76 - 84 Months4.04%125% LTV$20,000$13.69Apply Now
2012 - 201324 - 63 Months4.79%100% LTV$5,000$17.99Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2012 or newer. Standard underwriting guidelines apply. Additional rates and terms available. Contact a member service representative at 877-895-6840 for more information.

Payment Example: A $15,000 loan with a rate of 2.19% for 63 months, monthly payment is $252.27, total finance charges are $892.53.

HRCU does not finance model years older than 2012.

Auto Refinance Rates

Auto Refinance Rates

TypeTermAPR*Finance Up ToMin. Finance AmountMonthly Payment/$1,000
2019 - 202224 - 63 Months2.19%125% LTV$5,000$16.82Apply Now
64 - 75 Months2.79%125% LTV$15,000$14.55Apply Now
76 - 84 Months3.69%125% LTV$20,000$13.53Apply Now
2014 - 201824 - 63 Months2.54%125% LTV$5,000$16.98Apply Now
64 - 75 Months3.14%125% LTV$15,000$14.71Apply Now
76 - 84 Months4.04%125% LTV$20,000$13.69Apply Now
2012 - 201324 - 63 Months4.79%100% LTV$5,000$17.99Apply Now

*APR = Annual Percentage Rate. Loan rate, term and approval determined by credit history. Applicant must meet membership guidelines. Vehicle must be model year 2012 or newer. Standard underwriting guidelines apply. Additional rates and terms available. Contact a member service representative at 877-895-6840 for more information.

Payment Example: A $15,000 loan with a rate of 2.19% for 63 months, monthly payment is $252.27, total finance charges are $892.53.

HRCU does not finance model years older than 2012.

Shop For A Home

We are here to help get you into your dream house or vacation home!

Are you ready to apply and get started? If so, please click "Apply Now".

If not, please take advantage of the other resources here to find your next home or calculate your potential payments. As always, please reach out if we can help you in any way!

For your convenience, we have also provided buttons to link you to Zillow or Realtor.com if you are just starting your search for a home!

Rates

Mortgage Rates

Mortgage Rates

TypeInterest RatePointsAPR*Monthly Payment/$1,000
30 Year Fixed 3.000%0.003.078%$4.22Apply Now
20 Year Fixed2.750%0.002.860%$5.42Apply Now
15 Year Fixed2.375%0.002.516%$6.61Apply Now
10 Year Fixed2.250%0.002.456%$9.31Apply Now

*All rates are for Owner-Occupied 1-4 units only. Estimated payments above do not include amounts for taxes and insurance payments. Your payments may be greater. APR equals Annual Percentage Rate and assumes a purchase price of $200,000 with a 20% down payment and zero (0) points. Your rate and APR may be higher, all loans priced individually. Rates are subject to change at any time.

Fixed Rate Mortgage loans may be subject to risk-based pricing adjustments known as Loan Level Pricing Adjustments (LLPA) based on the most recent Fannie Mae LLPA matrix.

Fixed Rate Mortgage loans not sold to the secondary market (portfolio loans) may be subject to internal Loan Level Pricing Adjustments (LLPA).

LLPA adjustments consider items such as loan to value, credit score, loan purpose, term and other factors and may cause your rate to be higher.

NOTE: One point is equal to 1% of the amount financed.

Bill Pay

Take advantage of this free, easy-to-use service to save time and avoid missing payments. Once you are an Online Banking user, you can schedule one-time or recurring payments through your account in just a few simple steps.

Please Note: Users must use their Bill Pay account at least once every 60 days to avoid a $5.00 inactive fee.

This service is available for HRCU Members Only  Become A Member!

eStatements

HRCU provides a cost effective, eco-friendly and secure way to view statements.

Features
  • Access your statements at your convenience - at home, at work, or when traveling.
  • Review your previous statements (up to 24 months of statements are available).
  • Receive an email notification when a statement is ready to view.
  • Statements are easily downloaded and saved to your personal computer.
  • Help prevent identity theft by reducing the amount of your personal financial information that travels in the mail.
  • Sign up for online banking and enjoy the benefits of eStatements.

This service is available for HRCU Members Only  Become A Member!

TruStage

TruStage Insurance Agency. For simple and reliable insurance, we've got you covered.

- For Members Looking for an Online Only Option

TruStage® Insurance: Simple, Straightforward, Budget-Friendly.TruStage® Insurance: Simple, Straightforward, Budget-Friendly.

Insurance is an important part of a solid financial plan. The key is finding coverage that fits your needs and budget from someone you can trust. The right insurance can help give you peace of mind today.

Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most.

Get a quote or explore your options at TruStage.com.

© Copyright 2020, TruStage. All Rights Reserved.

TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

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ClickSWITCH

ClickSWITCH is an automated account switching solution that makes it easy for you to quickly and securely switch your recurring direct deposits and automatic payments from your previous financial institution account to your HRCU account. You can also initiate the closing of accounts at your previous financial institution using ClickSWITCH.

If you have not yet received a code to use ClickSWITCH please call us at 603-332-6840 or email us at !

Benefits
  • ClickSWITCH removes the hassle of contacting all of your billers and depositors to inform them of your new account information. 
  • Just input your payment and direct deposit information to the secure ClickSWITCH system, submit the switch and they will do the rest!

This service is available for HRCU Members Only  Become A Member!

Additional Resources and Rates

Here are some other popular links that may be helpful for you!

Questions or Feedback?

If you have any questions or feedback, about any products or features we have here in the Digital Branch, we'd love to hear from you! We are always looking to improve!

Please click the green chat icon to get in touch with our Member Support team!

You can also reach Member Support by:
• Emailing Info at HRCU dot org 
• Calling (603) 332-6840

With My Better Credit in Digital Banking you can access your credit score, credit report & money-saving offers!