We have a wide variety of deposit products specifically designed to help your business grow.

  • Savings & Money Market

    Our business account options help you reach your financial goals.

    Business Savings

    • Access this account at any of our branches, online or by phone
    • Automatic overdraft protection from this account to your business checking account

    How to Open


    Money Market

    Receive a higher interest rate with our Business Money Market account. It works like a savings account, except the higher your balance, the greater your return. Take advantage of the security and liquidity of a Money Market for your business funds as an HRCU business member.

    How to OpenView Rates

  • Checking & Debit Cards

    Although your business checking account needs may vary, we believe they should all be flexible, convenient and simple to understand.

    Free Business Checking:

    • No minimum balance
    • Unlimited transactions
    • No monthly maintenance fees
    • No per item fees
    • Online Banking
    • Bill Pay
    • Check imaging
    • One free checking account per business

    How to OpenView Rates


    Additional Business Checking:

    • $500 minimum balance or $10.00 monthly charge
    • Unlimited transactions
    • No per item fees
    • Online Banking
    • Bill Pay
    • Check imaging

    How to OpenView Rates


    VISA® Debit Card

    • Track your expenses
    • Multiple cards under one account
    • Free POS (point of sale) transactions
    • Free transactions at all HRCU and Co-Op Network ATMs

    PLEASE NOTE: Using your debit card internationally

    For security purposes HRCU debit cards will no longer automatically work outside of the United States. This includes Canada and Mexico. If you are traveling outside of the United States, simply let us know and your card will be authorized to make transactions. Please let us know if you have any questions or concerns regarding this policy.

    Learn More

  • Certificates of Deposit

    Build the funds of your business without having to predict the ups and downs of the stock market. We have a wide variety of rates and terms, making it a great option for your small business.

    • Put your excess cash to work
    • Flexible terms
    • Insured up to $500,000.00

    How to OpenView Rates

  • Health Savings Checking Account

    HRCU Health Savings Checking Accounts (HSAs) allow employers and/or employees to contribute to a tax-deferred account. These accounts are beneficial and require you to have a high-deductible health insurance plan, allowing you to cover out-of-pocket medical expenses. As an HRCU business member, you can offer HSAs as a benefit to your employees.

    • Pay routine medical expenses such as co-pays, prescriptions, etc.
    • Amounts contributed belong to individuals and are completely portable
    • Option to access funds via check and/or debit card
    • Funds not used remain in account, and roll over at year’s end
    • Acquire tax-free dividends on funds
    • Higher rate of return

    How to OpenView Rates