HCCU - Member Services Brochure

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OUR STRENGTH IS

HCCU MEMBER SERVICES

MAKE HCCU

your first choice Helena Community Credit Union is a member-owned Montana financial institution focused on providing members innovative tools to accomplish their life goals.

HCCU is a long-term financial partner that recognizes the importance in providing support to our members as they make financial decisions, big and small.

Like all credit unions, HCCU exists to serve our members, not make a profit. If you’re a HCCU member, you’re also an owner, which means that HCCU’s profits are returned to you in the form of higher dividends on savings and lower rates on loans.

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ince 1936, Helena Community Credit Union has taken pride in offering its members a complete range of financial products, as well as services that provide convenience and money-saving opportunities. We serve our members at three full-service branches. Additionally, we offer our members the latest in technology and a full menu of financial products, including: + All types of loans (including mortgage) + 24-hour account information by phone, internet, or your mobile device + Bill pay + Checking + Savings accounts for all ages + IRAs + Share Certificates + A low-interest credit card + And much more!

ARE YOU ELIGIBLE FOR MEMBERSHIP? FIELD OF

membership

Broadwater • Cascade • Deer Lodge Gallatin • Jefferson Lewis and Clark • Powell • Silver Bow

MEMBERSHIP

criteria

Live within Field of Membership counties Proof required through residential address on driver’s license, piece of mail, rental or mortgage statement, etc.

–OR–

Work within counties serviced Proof of employment can be verified with a valid paystub

–OR–

Worship within counties serviced Proof of place of worship i.e. letter from place of worship on letterhead or email verification

–OR–

Immediate family member is a current member in good standing Immediate family includes: Mother, Father, Brother, Sister, Grandparent, Aunt or Uncle

–OR–

Military Must live or be stationed in the state of Montana and be either Active or a Veteran; Military ID required

our se relevant. resilient.

Provide for today.

Protect for tomorrow.

One person, one family, one community at a time.

ervices SAVINGS ACCOUNTS A savings account is something every family should have, whether you’re saving for college, a potential emergency, that big family vacation, or even a special purchase. A savings account provides a sense of security and offers something to fall back on when unexpected expenses occur.

We offer a savings account for every member of the family.

CHECKING ACCOUNTS Our checking accounts all provide: + Convenience and control: Our online and mobile banking app puts you in control of your accounts. + Security and protection: Zero liability protection on debit cards and 24/7 fraud monitoring. + Multiple payment methods: Easy ways to make payments and send or transfer money. + Anytime access: Access to Co-Op ATMs and 24/7 telephone banking.

Some checking accounts offer rewards, including cash back. Visit a branch to get started and to discover which checking account will work best for you!

CONSUMER LOANS As a credit union, HCCU is able to return our profits back to our members in the form of excellent rates on all types of loans, including: + New and used auto + Consolidation + Boat and recreational vehicle + Mobile home + Personal + And more!

Contact one of our financial service representatives for the best in financial service and to learn more.

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our Helena We’re committed to great place

REAL ESTATE AND MORTGAGES Our real estate department offers our members great mortgage products, online applications, faster processing, and excellent customer service. Some of our products include: + FHA, VA, Rural Development loans + First time home buyer programs + Conventional mortgages + Home equity products + Construction loans + Residential land loans + And much more!

Contact our real estate department at 406.443.5400, ext. 6003 to learn more.

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a community making Helena a to live, work, and play.

BUSINESS ACCOUNTS We know that small businesses are the backbone of Montana’s economy and that’s why it’s not small business to us! HCCU offers competitive services to our business members including savings, money market accounts, checking, and loans. Please contact us to learn how we can help your business succeed and thrive.

DEALER DIRECT If you’re buying a new or used car at a dealership, just ask the dealership to finance your loan through Helena Community Credit Union. Your paperwork – from the loan application to the final loan documents – can be completed at the dealership and you’ll be on your way in your new car quickly.

DEBT CANCELLATION PRODUCTS We offer excellent loan protection products to our members including Extended Warranty, GAP with Auto Deductible Reimbursement, and Debt Protection (credit life/disability and involuntary unemployment). Each of our loan protection offerings are designed to protect our members’ assets.

OTHER MEMBER SERVICES Co Op ATM locator; ATMs; Notary services; counter checks; Credit Union checks; direct deposit; payroll deduction; wire transfers; automatic payments; financial counseling.

Service fee may apply.

ONLINE SERVICES Mobile Banking: Provides all online banking features PLUS Remote Deposit Capture, SMS Text Banking, personalized graphs, and Quick Balance with 24/7 access from any smart device.

Online Banking: Access your accounts online where you can check balances, make loan payments, transfer funds, view e-statements and checks, and set up account alerts.

Bill Pay: Pay your bills online anytime, day or night.

Telephone Banking: 1.800.546.8682 Access your accounts by phone anytime with your touch-tone phone.

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OUR STRENGTH IS LOCATIONS

915 Kessler Street – Main Office 1930 Prospect Avenue 3150 N. Sanders Avenue VA Center at Fort Harrison

ATM SERVICES

All branch locations, including: 4405 N. Montana Avenue – Operations Center 2037 N. Last Chance Gulch – Call Center Additional locations: St. Peter’s Hospital City County Building Helena Regional Airport National Guard PX Building

MAILING ADDRESS P.O. Box 159 / Helena, MT 59624

PHONE 406.443.5400 or 1.800.3HELENA

www.thecu4u.org Federally insured by NCUA. Equal Housing Opportunity.