Savings (Share) Account

To be a member of HCCU you must maintain a minimum balance of $25.00 in this account. This is a no fee account and pays dividends from the first day you deposit to the day you close it out. Dividends are posted monthly to your account.

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Club Accounts

These accounts are a "no fee, no minimum balance" account. These accounts are designed for members to save specifically for something. HCCU has Christmas Club and Vacation Club Account. The balance in your X-mas club account is issued November 1st of each year.

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Share Certificate Accounts (CDs)

This a no fee investment account. A member agrees to leave a specific amount of money on deposit, for a specific time period, in order to earn a higher dividend rate. At HCCU there is a $1000 minimum deposit, and penalties for early withdrawal do apply.

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Individual Retirement Account (IRA)

This is a no fee passbook account which earns dividends and may be tax deductible. Members may choose from a Traditional IRA or Roth IRA. HCCU offers both a passbook and certificate for IRAs.

Checking Accounts

HCCU offers three types of checking accounts to our members:

	Classic Share Draft	Free Share Draft	Student Share Draft
Minimum Balance	No	No	No
Check Limit	No	No	No
Duplicate Checks	Yes	Yes	Yes
Maintenance Fee	$2 per mo.	No	No
Interest Bearing	Yes	No	Yes

Reorder your checks online, by phone, or at one of our offices.

To reorder your checks with Liberty, please click here.

If you wish to phone your order in, you may dial (877) 585-8777.

You may also bring in your re-order slip to one of our office locations and a member service representative can assist you.

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Check Cards

The HCCU check card looks like a credit card but works like a check. When you use your card, funds will automatically be deducted from your HCCU share draft account. You may use your card anywhere VISA is accepted and also use it at an ATM machine.

In House Mortgages

Initial rate with HCCU is fixed for the first 3 years, and then is adjusted according to HCCU current rate. We also offer a 15-year, 20-year, and 30-year fixed rate mortgage, however for more information you will need to contact our home lending officer.

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Construction Loans

Here at HCCU we understand the importance of your time and budget when dealing with the construction of a new home. Many builders and contractors demand payment before the job is completed. HCCU is here to help you meet these demands.

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2nd Mortgage Loans

Thinking of remodeling, buying a vehicle, boat, RV, or consolidate debt? Contact our lending officers to assist you in this program.

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Vacant Lot Loans

Have you found that wonderful piece of property that you would love to build your dream home on? With low closing costs and competitive interest rates, let HCCU help you make that property yours.

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Mobile Homes

Hayward Community Credit Union can assist you with your purchase of a mobile home whether it is in a mobile home park or on your own land.

Consumer Loans

Hayward Community Credit Union wants to help all our members be able to finance at a competitive rate. Therefore HCCU uses a risk based lending interest scale to see that our members can receive a loan even if they have a not so perfect credit rating. The higher your credit score, the lower your interest.

One’s credit score is based upon several factors from your own credit profile. These factors include the following:

• Payment history- On time payments will help boost your score.
• Outstanding debt- Credit Card balances which are more than 50 percent of your credit limit will harm your credit. Try to keep balances under 30 percent of available credit.
• Credit account history- An established credit history makes you a less risky borrower. Think twice before closing old accounts before a loan application.
• Excessive inquiries- When a lender or business checks your credit, it can cause a hard inquiry and a small dent in your credit score. You are best to apply for new credit in moderation.
• Types of credit- A healthy credit profile consists of a balanced mix of credit accounts and loans.

For Your Borrowing Needs:

• Cars, Trucks, and Motorcycles- Up to 100% financing on qualified purchases and up to 72 months for repayment.
• Recreational- Boats, snowmobiles, ATVs, and RVs
• Personal- Secured with personal property or unsecured.
• Kwik Cash Line-of-Credit- This is an open-end loan, allowing the member to borrow up to 100% of an approved credit line without having to see a loan officer each time.

MasterCard - Cut up the high interest credit cards from the bank and make the switch to save with us. HCCU offers 3 types of MasterCard, one to fit your needs. For MasterCard rates and annual fees, please click here.