Hero Benefits

Discover exclusive financial products for veterans, first responders, and military personnel at HRCU. We understand the unique challenges ahead and strive to provide tailored solutions to meet your financial needs. From a special checking account to VA home loans, we provide products designed to support and empower heroes in their financial journey.

HRCU is a proud participant of the Veterans Benefits Banking Program (VBBP). We are committed to helping veterans, beneficiaries, survivors, and caregivers gain access to the financial products, services, and support they need. We aim to ensure eligible VA beneficiaries are able to open a free checking account when they bring a direct deposit to HRCU.

VBBP – You’ve earned it. Let’s secure it.

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.

Open an Account

Features

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

HRCU Government Home Loans

HRCU has partnered with top government program lenders so we can provide buyers access to VA, FHA and USDA Rural Development home loans, which can open additional doors that traditional loans cannot.

Government loans are not just for first-time home buyers; members can gain additional opportunities for potential purchase and refinance options only government loans can offer.

For questions, please contact our team at homeloans at hrcu dot org.

VA Home Loans

0% down payment purchase
Can be utilized by active duty, retired, and National Guard members based on VA qualification standards
There are additional refinance opportunities available for those members who are currently in a VA loan
Click here to view rates. Provided by our partners, Allanach/Mortgage Group Corporation.

FHA

FHA Home Loans

3.5% down payment requirement
Credit Score requirements as low as 620
There are no monthly income maximums for borrowers
Click here to view rates. Provided by our partners, Allanach/Mortgage Group Corporation.

USDA

USDA Rural Development

Cash assistance programs available
Borrowers must be first-time home buyers
Total household income must not exceed $151,200

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Online & Mobile Banking

Access your funds or make your Visa® payment with our safe and secure remote banking services anywhere, anytime.

Learn MoreAbout Online and Mobile Banking

Become a Member

If you live, work, go to school in the State of New Hampshire or York County, Maine or have an immediate family member that is a current member, you are eligible to join HRCU.

Join Todayabout becoming a member.