Fiduciary Dividend Checking

You work hard for your money.  It’s time to make it work for you.  Our Fiduciary Dividend checking account pays you dividends on any balance.  And as the balance in your account grows, you’ll earn even better dividends.  All while having easy access to your money.

Open an Account

Looking for even better returns?  You can earn even higher dividend rates on Certificates when you open a Fiduciary Dividend checking account.

Get access to your direct deposit funds up to 2 days early, allowing you to stay ahead of the budgeting game.

A financial safety net with low fees that won’t break the bank. Included with every HCU Fiduciary Dividend checking account.

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Fiduciary Dividend Checking Features

  • Dividends paid monthly, no matter how much is in your account*
  • Earn better interest on HCU certificates^
  • Discount on a new HCU closed-end consumer loan with active HCU Checking
  • Change is Good will automatically round up your debit card purchase and place the excess amount directly into savings
  • Overdraft Protection to save you from unnecessary fees
  • Early Payday! Access to direct deposit funds up to 2 days early
  • Deposit checks from anywhere using Instacheck Mobile Check Deposit
  • Checking transition loan: $1,000, 0% APR loan for 90 days to get everything situated comfortably
  • Free HCU Visa debit card
  • Free first box of checks
  • Free unlimited bill pay
  • Unlimited free transactions at HCU and CO-OP Network ATMs
  • $500 instant credit for deposits at HCU ATMs
  • Overdaft Protection to protect you from unnecessary fees
  • $5 monthly service fee. $3 fee rebate when you sign up for eStatements
  • Waive the monthly service fee by using your debit card 15 times per month or maintaining a balance of $1,000 or greater
  • Can be opened as a Trust account
Open An Account
*Annual percentage yield 0.05% for balances up to $2,499, 0.20% for balances $2,500 - $9,999, and 0.5% on balances of $10,000 and greater. Rates subject to change.

^A one time Volume Tier Bump gives the member the next highest interest rate based on dollar volume of the certificate of deposit.