HRCU

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In order to get started, select an account that works for you.

Free Checking
No fees and no hassle, built to be flexible, easy-to-use, and a popular choice for everyday banking.
  • No monthly fee or minimum balance requirement.
  • Get paid up to 2 days early with direct deposit.
  • Free contactless Visa® debit card that you can add to your mobile wallet for Apple Pay®, Samsung Wallet, or Google Pay™.
  • Bank anywhere with nationwide access to thousands of credit union branches and surcharge-free ATMs through the Shared Branching and the CO-OP network.
Regular Checking
For your everyday banking needs, along with the added benefit of earning interest.
  • An interest-bearing checking account that requires maintaining a daily balance to waive the monthly fee.*
  • Get paid up to 2 days early with direct deposit.
  • Free contactless Visa® debit card that you can add to your mobile wallet for Apple Pay®, Samsung Wallet, or Google Pay™.
  • Bank anywhere with nationwide access to thousands of credit union branches and surcharge-free ATMs through the Shared Branching and the CO-OP network.
55+ Checking
For ages 55+, get a free checking account with additional benefits and features that suit you.
  • No monthly fee or minimum balance requirement.
  • Free contactless Visa® debit card.
  • One free check order annually, and one free money order or official check monthly.
  • Receive 5,500 uChoose rewards points when approved for a new VISA rewards credit card.
  • Get a rebate on ATM fees up to $10 per statement cycle.
Hero Checking
A small thank you to first responders, military personnel, and veterans with a free checking account.
  • No monthly fee or minimum balance requirement.
  • Donation made on member's behalf to an organization assisting first responders, military families, and veterans.
  • Free HRCU standard checks at account opening.
  • $500 discount on conventional primary first mortgage closing costs.*
Certificate of Deposits
A secure and structed way to grow your savings with a guaranteed rate over a set term and the choice to reinvest or withdraw when it reaches maturity.
  • Often a higher rate of return over traditional savings with flexible terms up to 5 years.
  • When you save with HRCU, your money does more than earn interest. It stays invested in the people, businesses, and neighborhoods that make New Hampshire home.
  • Funds insured by NCUA up to $250,000 and ESI up to $250,000 per single member account.
  • Click here to view our current rates.
6 Month CD - 1.10% APY
3 Month CD Special
Give your savings a little extra room to grow. With our 3 Month Certificate of Deposit Special, you can lock in a competitive rate for a set term and enjoy the confidence of knowing exactly how much your money will earn.
  • Competitive fixed rates to help your savings grow.
  • Set term option that works for you.
  • Minimum deposit required: $1,000.
  • Funds insured by NCUA up to $250,000 and ESI up to $250,000 per single member account for added piece of mind.
  • 3.25% APY*
11 Month CD Special
Give your savings a little extra room to grow. With our 11 Month Certificate of Deposit Special, you can lock in a competitive rate for a set term and enjoy the confidence of knowing exactly how much your money will earn.
  • Competitive fixed rates to help your savings grow.
  • Set term option that works for you.
  • Minimum deposit required: $500.
  • Funds insured by NCUA up to $250,000 and ESI up to $250,000 per single member account for added piece of mind.
  • 3.75% APY*
Money Market
With Money Market savings, your money works harder for you.
  • Tiered interest rates that let you earn more on larger balances.
  • Interest paid at the end of each month.
  • No minimum balance required.
Christmas Club
A savings designed to help you save money all year long for the holidays.
  • This special Club Savings account helps you avoid building debt during the holiday season.
  • No monthly maintenance fee, but there is an early withdrawal penalty fee.
  • Earn interest on your savings that are paid at the end of each month.
  • Christmas Club accounts mature in late fall each year for your holiday spending.
Home Heating Club
A savings option that offers 5.00% APY on the first $5,000 to help members set aside funds for heating expenses.
  • A separate Club Savings account designed to help you save for your yearly home heating costs.
Club Account 1
An additional savings account for specific short term financial goals.
  • No monthly maintenance fee.
  • Earn interest on your savings that are paid at the end of each month.
  • Open multiple accounts for multiple savings goals.
  • Click here to view our current rates.
Club Account 2
An additional savings account for specific short term financial goals.
  • No monthly maintenance fee.
  • Earn interest on your savings that are paid at the end of each month.
  • Open multiple accounts for multiple savings goals.
  • Click here to view our current rates.
Club Account 4
An additional savings account for specific short term financial goals.
  • No monthly maintenance fee.
  • Earn interest on your savings that are paid at the end of each month.
  • Open multiple accounts for multiple savings goals.
Club Account 5
An additional savings account for specific short term financial goals.
  • No monthly maintenance fee.
  • Earn interest on your savings that are paid at the end of each month.
  • Open multiple accounts for multiple savings goals.
Primary Savings
This interest-earning primary share savings account is a great way to save while giving you access to HRCU's exclusive membership benefits.
  • $5.00 minimum balance required ( This account is required and automatically added when joining HRCU).
  • No monthly maintenance fee.
  • Access your savings through Online and Mobile Banking, HRCU's 24-hour ATMs, and a nationwide network of branches and ATMs.
Teen Savings
Start strong with real savings, real interest, and a real independence for as little as $5.
  • Available for ages 13-17.
  • Earn 5.00% APY on the first $1,000 and watch your savings grow.
  • Build smart money habits with hands-on money management experience.
  • Know that your money's protected while you explore financial freedom.
  • Pair it with a Teen Checking account to maximize your spending and savings.