HFCU has a variety of convenient checking accounts that are sure to suit your individual lifestyle. And, all of our checking accounts are loaded with convenient and FREE services – select a few or select them all!


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Freedom Checking

Designed specifically for members starting at age 60, this special account gives you the freedom to personally customize your account.

Key Features
Flexibility – Choice of Free Checking or Flexible Checking
Free checks1
No per check charges or hidden fees
Free online check images 24/7
Free online banking
Free online bill pay2
Free eStatements
Free eAlerts3
Free ATM/Visa Debit Card
Free telephone banking
Free incoming wires
Remote Deposit Anywhere4
Free notary service
Access to thousands of free ATM’s nationwide
Free educational seminars
Access to thousands of nationwide Credit Union Service Centers
Overdraft protection
Low minimum opening deposit of just $25

Rates Below Effective: July 1, 2024 and are Payable August 1, 2024

Flexible Checking Rate

Type Dividend Rate APY5
Flexible Checking 0.05% 0.05%

1Free checks include one free box of checks per order. Maximum of two boxes per calendar year.

2Bill pay is free provided the service is used at least once every three months; otherwise a $3.00 monthly fee (subject to change) may be assessed.

3Standard rates and fees may apply from your wireless carrier.

4Must have compatible mobile device to use the mobile application. Standard rates and fees may apply from your wireless carrier. For Remote Deposit Anywhere, all funds may not be immediately available after the deposit is made.

5APY = Annual Percentage Yield.
Rates are subject to change monthly.
Fees and other conditions could reduce the earnings on the account.