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Personal Bank Accounts

It’s our goal to support your financial well-being. Whether you're managing your day-to-day finances or investing for the future, we have account options to meet your needs. And your funds are federally insured up to $250,000 by the NCUA.

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Enjoy ultimate flexibility and peace of mind that come with our free Classic Checking Accounts and Premier Checking Accounts. 

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What to Expect

Tierd MM

Tiered Money Market

Our tiered money market account’s rate is based on
your balance, giving you a higher yield the more you
save. Plus, your funds are liquid, allowing you to
make withdrawals at any time.

  • Low minimum opening amount of just $1,000
  • No monthly maintenance fee 1
  • Higher APYs for balance tiers of $20,000, $50,000, & $250,000 or more
  • Internet Banking & phone banking via MAGIC 

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What to Expect

Savings Accounts 1

Savings Accounts

Your HVCU membership begins with a $.01 deposit to your primary savings account. Once you're a member, you're a member for life, regardless of where you live.

Savings accounts are a great option to help you reach your savings goals such as saving for a down payment on a car, a vacation, holiday shopping, school expenses or any other goal you have.

  • No monthly service charge
  • Set up direct deposit (or automatic deposit) and watch your savings grow — automatically
  • Open special accounts including Holiday Club, custodial, and estate account
  • May be used as collateral for a loan

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What to Expect


Explore Savings Accounts

Save, Earn, Build

Start building your long-term savings quickly and easily.

  • $500 minimum deposit
  • Higher yields for balances of $50,000 and $100,000 or more
  • 3, 6, 12, 24, 36, 48, and 60-month terms
  • Guaranteed rate of return for your term

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Explore Certificate Accounts

Invest in your health by opening an HSA Checking Account. You can use your HSA funds to cover a wide range of medical expenses and co-pays that your health insurance may not cover.

  • Triple Tax Savings – Your HSA contributions, withdrawals for qualified medical expenses, and asset growth are all tax free.
  • No initial deposit. No minimum balance needed. No account maintenance or transaction fees.
  • Easy account access with an HSA Visa Debit Card and free checks.

Your accounts at HVCU are Federally Insured for up to $250,000. Share insurance coverage is provided by the National Credit Union Administration (NCUA), an independent government agency that charters, regulates and insures federal credit unions. Visit to learn more about your Share Insurance Coverage.

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1 A monthly fee of $10.00 is imposed if the daily balance on your tiered money market account falls below $1,000. Fees could reduce earnings on the account.