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Compare Checking Accounts

Regular Checking

Make your money work for you! Take advantage of even more great benefits and services while boosting your balance with competitive monthly dividends.

Rates

Checking Accounts

Minimum DepositRateAPY*Minimum Required to Earn APY
$100.10%.10%$100

*Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Penalty for early withdrawal applies to Certificates of Deposit. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. IRA deposits are fully insured up to $500,000; $250,000 by the NCUA and $250,000 by Excess Share Insurance.Maintenance or activity fees could reduce the earnings on the account.

Free Checking

No minimum balance requirement, no monthly maintenance fee, and unlimited access to your funds - now that's a truly FREE checking account.

Hero Checking

HRCU values first responders, the military and veterans, that's why we have designed an account tailored to the needs of our Hero Members.

Features
  • Beginning in November 2019, each month a Hero Checking Account holder will be named the "Hero of the Month" and awarded a gift from the HRCU staff*
  • No monthly maintenance charge
  • No minimum balance required
  • No maximum on the number of transactions
  • Free VISA® Debit Card with access to 30,000+ surcharge-free ATMs in the Credit Union Co-Op Network
  • Free Online Banking
  • Free Bill Pay
  • Overdraft Protection
  • Courtesy Pay
  • Free (40) HRCU standard checks and specialized checkbook cover
  • One courtesy fee rebate per statement cycle with a $50 direct deposit
  • $500 discount on first mortgage closing costs
  • A donation will be made on the members behalf to an organization assisting first responders, military families and veterans

*No purchase necessary. Hero of the Month promotion open to all HRCU members who have an established Hero Checking Account in good standing. Hero of the month selected at random by the 3rd of each month and may be contacted by phone or email address on file with HRCU. Winner has 7 days to respond, if winner does not respond by that time, prize will be forfeited, and a new winner selected. Winner may only win once during promotion. Winner will receive a $25 gift card and may select gift card location based on list provided by HRCU. Winner may opt out of providing bio and participating in promotion when contacted by HRCU and another winner will be selected at random. By opting out, you forfeit receiving a $25 gift card. By participating in the Hero of the Month program, you authorize HRCU to use your bio, name and picture, in publications, including but not limited to HRCU’s social media accounts and website. HRCU employees, family and volunteers are not eligible to enter. HRCU reserves the right to adjust or shut down the promotion at any time. Winner may opt to pick up gift card at one of HRCU’s branch locations or, when possible, have the item mailed directly to them. Name, phone number, address or email address of winner may be required to claim prize. Personal information is being provided to HRCU. Winner is responsible for any taxes associated with the prize. This promotion is in no way sponsored, endorsed or administered by, or associated with Facebook, Instagram, Twitter or restaurant gift card is provided to. Entrant agrees to hold all entities, including HRCU harmless.

55+ Checking

For our Members 55 and older, we have designed an account with you and your needs in mind.

Features
  • No monthly maintenance charge
  • No minimum balance required
  • No maximum on the number of transactions
  • Free Visa® Debit Card
  • Free online banking
  • Free Bill Pay
  • Courtesy Pay
  • Free Telephone transfer (staff assisted)
  • 50% off published rate on Safe Deposit Box
  • Free (40) HRCU standard checks
  • When approved for a rewards Visa® Credit Card - will receive 5,500 points
  • Rebate on ATM fees up to $10.00 per statement cycle
  • 1 free Official Check per month
  • 1 free Money order per month
  • Free coin counting

College Student Free Checking

No matter where you are going to school, HRCU's College Student Free Checking has everything you need!

Features
  • Free checking with no monthly fees
  • Get your FREE debit card on the spot at any branch
  • No foreign ATM fees (surcharge may apply)
  • Use 30,000+ ATMs nationwide free of charge
  • Apple Pay, Google Pay & Samsung Pay
  • Free Mobile Banking & Mobile Deposit
  • Send and receive funds easily to friends & family
  • Overdraft Protection
  • Courtesy Pay option
  • Free Bill Pay & e-Statements
  • Free (25) HRCU standard checks
  • Unlimited check writing
  • Checks available in many styles

Elements of Money

In a world where teens depend on technology, we're using those channels as a pathway for educating younger members about financial responsibilities.

Become a Member

If you live, work, go to school or worship in the State of New Hampshire, you are eligible to join Holy Rosary Credit Union.