membership hacu

Experience the Healthy Way to Bank®

We're HealthCare Associates Credit Union® (HACU, for short). We offer all of the services of a bank and exist solely to benefit our member-owners, that's you, and our community. By opening an account with us you'll enjoy low loan rate, high deposit rates and exclusive member benefits.

Other perks of membership include:

  • 24/7 account access, including check deposit with a couple taps of your phone
  • Debit and credit cards that earn you reward points with every purchase3
  • Access to over 75,000 surcharge free ATMs and 5,000 shared branch locations nationwide




Rate 2.96%1
APY 3.00%1
on balances up to 10k
APR 5.99%2
% as low as
APR 9.90%3
% as low as


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Funds are insured up to $500,000. Funds are federally insured up to $250,000 by the National Credit Union Administration (NCUA). An additional $250,000 is insured by Excess Share Insurance (ESI), a subsidiary of American Share Insurance, the nation’s largest private deposit insurer for credit unions.  APY = Annual Percentage Yield. Business Checking accounts are not eligible for the high interest return. The dividend rate and APY may change at any time. No minimum balance required to earn the 3.00% APY.  Monthly requirements to earn 3.00% APY: direct deposit equal or greater than $500, a minimum of 12 Debit/Check Card transactions per month (Pending transactions and ATM transactions not included), enroll in My247, login once monthly, and consent to receive e-Statements. Balances up to $10,000 will earn the stated rate and the portion of the balance over $10,000 will not earn dividends. Fees could reduce earnings. Terms and conditions may apply.
Visit and use the ATM & Branch Locator on our home page to find an ATM or Branch near you. Please note that you will need your Account Number and a valid photo ID to visit a shared branch and we advise calling ahead to verify their hours. Shared branch facilities are equipped to handle standard transactions.  Fees may apply for other services. Surcharge-Free ATMs are available through Allpoint, STARsf, Alliance One, Pulse/MoneyPass networks.  These networks may overlap and are subject to change at any time.  
Rewards Points on signature-based credit and debit card purchases. Cash advances, PIN and POS transactions, gambling and car dealership purchases are not eligible. Earn one point for every four dollars spent. Gift cards and cash awards are distributed through Rewards points powered by Extra Rewards.


APR = Annual Percentage Rate. Rate listed is accurate as of 5/1/2024, and subject to change. Rate listed applies to new and used vehicle loans, model years 2019 or newer and a 36-month term. Payment example: 36-month term rate of 5.99% APR, $30.42 per $1,000 borrowed. Rates vary based on credit score and term; not all borrowers will qualify for the lowest rate. Vehicle loans are subject to credit qualifications. Offer not valid on existing HealthCare Associates Credit Union (HACU) loans. Loan application must be submitted May 1, 2024 through July 31, 2024 and loan must be booked within 30 days of pre-approval to receive promotional offer. Contact HACU for full details. 

Deferring payment is optional and subject to credit and collateral value. First payment may be deferred up to 90 days. Interest accrues daily from the date of funding and is repaid over the term of the loan. Offer may be withdrawn at any time.

3Credit Cards/Visa Debit Check Cards:

Cash Rewards and gift cards are distributed through Reward Points powered by Extra Rewards. Learn more about Reward Points program rates, fees and other cost information by reviewing the terms & conditions at For complete details contact HACU.