Membership
hacu.org
Contact Center 630.276.5555
800.942.0158 (toll-free)
Monday
Wednesday
Tues.,Thurs. & Fri.
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
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:
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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
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.
Spread the health
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
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
Free checking, all the
service—no monthly
fees or product bundling
required
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
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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
Credit Cards
Savings
All
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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
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
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
We go with you
wherever you are—
mobile phone, tablet or
from your home computer
Internet Branch
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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
630.276.5726
orConsumer
800.213.6445
(toll-free)
New
Branding for
CO-OP
Shared
Branching
and
CO-OP
Network and
Check balances, make transfers, withdrawals
Frequently Asked Questions
loan payments
Is it true that the CO-OP Network and CU Service Centers logos are changing?
Access account history and paid checks
Yes, the logos are changing, as shown below:
Previous Logo
New Logo
Worldwide ATMs
For the ATM Network:
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ATM access worldwide including
surcharge-free locations
For ATM/Debit Cards:
Check hacu.org for the free ATMs near you!
Previous Logo
New Logo
Previous Logo
Shared Branches Nationwide
For Shared Branching:
Participating credit union branches will
Why 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
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
Scan a code to download a mobile app.
iPhone ▼
Android ▼
Join Today
Online at hacu.org
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)
Monday
Wednesday
Tues.,Thurs. & Fri.
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
The healthy way to bank
®
HealthCare Associates Credit Union
1151 East Warrenville Road
Naperville, IL 60563
677680
©2016 HACU 12.13.16