Issuu on Google+

Membership

hacu.org


Welcome to the healthy way to bank. You know about banks, but you might not be as familiar with credit unions. They are not-for-profit organizations owned by members. Credit unions help the community by helping their members save and borrow. There is a minimum savings deposit of $5 to be a member of HealthCare Associates Credit Union. This represents your share of ownership. As a member, you’ll benefit from high dividends, personal service, convenience and value-added products and services.

Join Today HealthCare Associates membership is an exclusive benefit available to individuals who meet one of the following eligibility requirements: • • •

Any employee or member of a qualifying organization Any person who lives or works in a qualifying Community Charter Any person related by blood or law to an existing HealthCare Associates member

Membership lasts a lifetime Contact Center 630.276.5555

A member retains their membership on the basis of “once a member, always a member” status. Membership established by a child before he or she turns 18 requires a parent or guardian signature.

Monday Wednesday Tues.,Thurs. & Fri.

Spread the health

800.942.0158 (toll-free)

8:30 am –  5:00 pm 8:30 am –  1:00 pm 8:30 am –  4:00 pm

Learn more about your credit union at

hacu.org

Do you know someone who can benefit from a healthier way to bank? Share your credit union with family, and co-workers so we can all bank healthy together.


The first step to being a member-owner

Free checking, all the service—no monthly fees or product bundling required

Savings Share Savings • A minimum deposit of $5 establishes your membership in HealthCare Associates • Balances greater than $100 earn interest • Maintain $100 in your share savings or open a qualifying account such as a money market, super money market, CD, IRA, credit card or any type of loan to avoid a monthly minimum balance fee Money Market • Earn a competitive interest rate on balances greater than $2,000 Super Money Market • Earn a higher interest rate on balances greater than $50,000 Certificates of Deposit (CD) • Offer above-market dividend rates • $500 minimum deposit with terms from 6 months to 5 years Individual Retirement Accounts (IRA) • Traditional and Roth IRAs Coverdell Education Savings Account (ESA) • Created for the purpose of paying the qualified education expenses for eligible students • Amounts deposited in the account grow tax free until distributed Holiday/Vacation Club • Save for a special occasion throughout the year with payroll deduction

Checking Savings Free Checking • No minimum balance requirement • Deposit checks from anywhere using DeposZip and your smartphone, tablet or home computer • One free box of basic checks per year • Free Visa Check Card—earn Rewards Points • Free eBanking Free Visa Check Card (with Checking) • No fee when you say “credit” and sign to pay for purchases. Purchase amount is automatically deducted from your checking account. • Automatically earn points for signature purchases redeemable for cash awards or gift cards from popular merchants • ATM access worldwide, including thousands of surcharge-free locations

eBanking hacu.org • • • • • • • •

Free Mobile Banking for web-enabled devices Free Mobile App for smartphones Free Internet Branch to access account information online Free unlimited electronic Bill Pay and Presentment Free Text Message Alerts for fraud prevention Free Remote Deposit Capture to make photo deposits from your smartphone using DeposZip Free eStatements Free email alerts for balance notifications


We have a credit card to match your life

Home Loans Savings Home Mortgages • No Points to pay to lock in the best rate • No Escrow required- pay your taxes and insurance when they’re due • Adjustable and Fixed Rate Conventional Mortgages and Jumbo Mortgages Home Stretch Mortgage • Refinance option with terms of 5, 7,10 or 15 years • No closing costs if loan is $25,000 or more, and the loan is new to HACU • 70% loan-to-value or less • Low fixed rates

Credit Cards Savings All • • •

HACU credit cards offer: No annual fee No cash advance or balance transfer fee No foreign exchange fee when used out of the country • No penalty rate hikes • 25-day grace period on purchases • Free Text Message Alerts for fraud prevention Visa® Platinum, Platinum Select and Platinum Elite Credit Card with Rewards Points • Fixed rates • Platinum Card benefits, including Traveler’s Insurance • Earn Rewards Points redeemable for cash awards or gift cards from popular merchants Visa Platinum Secured • Allows you to build credit • Earn Rewards Points redeemable for cash awards or gift cards from popular merchants

Reverse Mortgages • Let your house pay you back during retirement • No monthly mortgage payments • Retain ownership of your home • No income qualifications • Must be 62+ years of age to qualify • Available in Illinois only Home Equity Loans • Low fixed rate and fixed payment • No closing costs if loan is $25,000 or more, and the loan is new to HACU • Available in IL, IN, or MO* (owner occupied) Home Equity Line of Credit • 10-year draw term with interest-only payments • Rates as low as Prime Rate** plus 0.50% • No closing costs if loan is $25,000 or more, and the loan is new to HACU • Variable rate changes quarterly based on Prime rate • Available in IL, IN, and MO* (owner occupied) *Some fees apply based on the state in which you reside **Prime Rate as reported in the Wall Street Journal is a variable rate, floor rates apply.

677680


Apply online—secure & easy

hacu.org Vehicle Loans Savings Auto Loans • New or used purchases or refinancing • 100% financing available • Low competitive rates • Payroll deduction payment option • 90-Day payment deferral available • Free Auto Buying service to find the car— and the price—you want • Pre-approval before you test drive

Life moves fast— we can help you keep up Personal Loans Savings Signature Loan • No collateral personal loan- your signature is your guarantee • Borrow from $1,000 - $40,000 • Competitive low rates and flexible terms Savings Secured Loan • Take a loan against your HACU savings account balance to repair, build credit or borrow from yourself at a lower rate Credit Builder Loan • Repair or build your credit and save at the same time

Business Services Savings Business Loans • Lines of Credit • Equipment and Term Loans • Commercial and Real Estate Loans • Credit Cards Business Accounts • Checking • Savings • Money Market


Scan a code to download a mobile app.

We go with you wherever you are— mobile phone, tablet or from your home computer

iPhone ▼

Android ▼

Join Today

Internet Branch • • • • • • • • • • •

hacu.org

Online at hacu.org

Transfer funds between accounts, internally and elsewhere Make bill payments Schedule automatic transfers View account history View and print paid checks Request a check withdrawal Make a stop payment Apply for loans 24/7 Telephone Teller New Consumer Branding for CO-OP 630.276.5726 or 800.213.6445 (toll-free) Shared Branching and CO-OP Network Check balances, transfers, withdrawals and Frequentlymake Asked Questions loan paymentsIs it true that the CO-OP Network and CU Service Centers logos are changing? Access account history and paid checks

Fax an application to 630.276.5841 Mail an application to: HealthCare Associates Credit Union 1151 E Warrenville, Road Naperville, IL 60563

In person at any branch location

Contact Center 630.276.5555 800.942.0158 (toll-free)

Yes, the logos are changing, as shown below:

Previous Logo

Monday Wednesday Tues.,Thurs. & Fri.

New Logo

Worldwide ATMs

For the ATM Network:

• •

ATM access worldwide including For ATM/Debit Cards: surcharge-free locations Check hacu.org for the free ATMs near you! Previous Logo

8:30 am –  5:00 pm 8:30 am –  1:00 pm 8:30 am –  4:00 pm

New Logo

Learn more about your credit union at

hacu.org

Previous Logo

Shared Branches Nationwide For Shared Branching:

Participating creditWhyunion branches will are the logos changing? accept your HealthCare Associates Credit Union account transactions. Their branch is now your branch too! • Visit hacu.org for locations • Conduct deposits and withdrawals • Transfer between sub-accounts • Conduct loan payments and advances where available

The healthy way to bank

®

By leveraging the power, awareness and equity of the CO-OP brand/logo, which is the most recognizable consumer credit union brand, we created consistency among CO-OP products across the consumer channel. The new logos will help consumers clearly identify the CO-OP service that fits their particular need and help drive those who are looking for a convenient financial institution to select a participating CO-OP credit union.

1

HealthCare Associates Credit Union 1151 East Warrenville Road Naperville, IL 60563

677680 ©2016 HACU 12.13.16


Membership Brochure