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Youth Accounts |
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Smart Start is a special account for our members ages 18 to 25. We know that finances can be confusing when you are just starting out. We developed our Smart Start account to help you get started.
- Smart Start Checking - no minimum balance, no monthly charge. You can write up to 4 checks a month at no cost and just 50 cents a check over that amount.
- 50 free checks per year
- Ask about a discount on your first car loan with HRCU
- STAR ATM card or AlternaCheck debit card with no annual fee
- 1st Credit Card
This is the right account for you whether you are going off to college or starting a new job.
 SmartKidz is a great program for children ages birth to 12 to learn how to save. With this program, not only will your children receive incentives for making deposits at the Credit Union, but many have the opportunity to conduct their financial business right at their schools when Credit Union representatives come for a weekly Banking Day. It's a great way to get our youngest members used to saving money and planning their future.
Features:
- $5 opening balance
- Monthly dividends
- Minimum of $100 to open a certificate of deposit
- Saturday banking days with rewards for deposit
- Birthday cards with gift certificate
Membership in the SmartKidz club requires the child's name, social security number and the opening of a $5 share account for the child at the Credit Union. For more information call Member Services at (603) 332-6840 or e-mail kids@hrcu.org
Note: The email link above is not sent over a secure connection. Confidential information should not be included in this method of communication.
Rochester School District
The following schools will have banking days weekly:
- East Rochester
- William Allen
- Maple
- Chamberlain
- St. Elizabeth Seton School
- School Street
- McClelland
- Gonic
Farmington School District
The following schools will have banking days weekly:
Dover Schools
The following schools will have banking days monthly:
- Tri-City Christian Academy
- St. Mary Academy
 Smart Teens is a special program designed to bridge the gap between our youngest members and those entering adulthood. Smart Teens meet the needs of our members age 13 to 17, and gives these members the ability to develop responsible habits regarding their finances before entering adulthood. Smart Teens members are offered:
- Smart Teens - no minimum balance, no monthly charge. You can write up to 4 checks a month at no cost and just 50 cents a check over that amount.
- 50 free checks per year
- Ask about a discount on your first car loan with HRCU
- STAR/MAC ATM card or AlternaCheck debit card with no annual fee
- 1st Credit Card
You're always telling your child to "Save your money." With HRCU's new Student Saver account, there's a good reason! This account is for students grades K-12 and helps them learn the value of saving their money. The account earns a special APY*. With the student saver account, they'll see their balance grow, and quickly learn that saving pays.
 College is about classes, friends and football, not ATM fees. At least not for our members.
If you're a full-time college student, HRCU has great news for you - NO HRCU ATM FEES while you're away at school!* Simply stop by an HRCU branch while you're home on break, bring your college ID and that's it, you're good to go!
Preparing for college?
Click here to learn more about HRCU Student Banking.
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Thursday, Sep 09
3:08 AM
Club Accounts work just like a savings account, with no minimum balance.
Home Equity Discounts
E-Statements
And more!
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Savings & Shares
Banking Days
