Checking accounts made to fit your life

We offer great checking account options with no hidden charges, no monthly service fees, no minimum balance requirements, no per-check fees, free VISA® check card (debit card), and overdraft protection. To open a checking account with HHFCU, visit us at your nearest branch location, which can be found here, or get started with one of our easy jumpstart forms now.

We offer a variety of checking accounts based on your qualifications

Accelerator Tier 1

Good Standing and basic requirements including E-statements, one direct deposit every calendar month, and 3 or more online bill payments each calendar month PLUS

25 PIN or signature-based debit card transactions each calendar month OR

Average daily loan balance of $10,000+

STANDARD APY: If the requirements are not met for at least Accelerator Tier 1 in any given month, then the standard APY will apply.

Accelerator Tier 2

Good Standing and basic requirements including E-statements, one direct deposit every calendar month, and 3 or more online bill payments each calendar month PLUS

25 PIN or signature-based debit card transactions each calendar month AND

Average daily loan balance of $10,000+

STANDARD APY: If the requirements are not met for at least Accelerator Tier 1 in any given month, then the standard APY will apply.

Accelerator Tier 3

Good Standing and basic requirements including E-statements, one direct deposit every calendar month, and 3 or more online bill payments each calendar month PLUS

Average daily Accelerator account balance of $5,000+ AND

25 PIN or signature-based debit card transactions each calendar month or average daily loan balance of $10,000+

STANDARD APY: If the requirements are not met for at least Accelerator Tier 1 in any given month, then the standard APY will apply.

Accelerator Tier 4

Good Standing and basic requirements including E-statements, one direct deposit every calendar month, and 3 or more online bill payments each calendar month PLUS

Average daily Accelerator account balance of $5,000+ AND

25 PIN or signature-based debit card transactions each calendar month AND average daily loan balance of $10,000+

STANDARD APY: If the requirements are not met for at least Accelerator Tier 1 in any given month, then the standard APY will apply.

Checking TierAnnual Percentage Yield (APY)*Balance to Earn Minimum APYMinimum to Open AccountDividend RateDividend CreditingCompound MethodVariable / Fixed
Accelerator Checking0.05%$0$00.05%MonthlyMonthlyVariable
Accelerator Checking Tier 1

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0.50%$0$00.50%MonthlyMonthlyVariable
Accelerator Checking Tier 2

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0.70%$0$00.70%MonthlyMonthlyVariable
Accelerator Checking Tier 3

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1.00%$5,000.00$01.00%MonthlyMonthlyVariable
Accelerator Checking Tier 4

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1.25%$5,000.00$01.24%MonthlyMonthlyVariable

Checking Accounts Disclosures

*Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year. A withdrawal and/or fee will reduce earnings. APYs are accurate as of the last dividend declaration date. For variable rate accounts, the rates may change after opening. Rates are determined at the discretion of the Board of Directors of the Credit Union. The dividend rates and the APYs disclosed are prospective. Dividends are paid from the current income and available earnings, after the required transfers to reserves at the end of a dividend period. These rates are accurate as of the date indicated below. Rates are subject to change anytime without notice. Dividends are compounded monthly and credited monthly. You may contact the Credit Union at (845) 561-5607 for current rate information. See your account disclosures for additional information about your account. To qualify for any annual percentage yield for the dividend period, you must be a member in Good Standing. Good Standing means you: (a) have on deposit at least the par value of one full share ($5.00) in a Regular Share Savings account; (b) have no delinquent loans (payment is not more than 30 days late); and (c) have positive balances in all share accounts. Use of certain electronic services is required to earn 0.50% APY. Use of certain electronic services, $5,000 average daily Accelerator balance and $10,000 average daily loan balance are required to earn stated APY. If these requirements are not met, you will not earn the stated annual percentage yield.

Accounts will be charged the standard Overdraft fee of $32 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $32 for items returned. An overdrawn balance must be repaid within 30 days. We may not pay items under your overdraft privilege if you do not maintain your account in good standing by bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours, if you default on any loan or other obligation to Hudson Heritage Federal Credit Union or if your account is subject to any legal or administrative order of levy.

Rates effective 7/15/2015.

Checking FAQ

To open a checking account with HHFCU, visit us at your nearest branch location, or get started with one of our jumpstart forms.

HHFCU offers a variety of checking accounts to best fit your needs. Please refer to the checking accounts table for more information.

The Annual Percentage Yield on a checking account varies depending on the level of the account, ranging from 0.05% to 1.25%.

The minimum balance to earn APY depends on the type of checking account. Please refer to the checking accounts table for more information.

There is no minimum amount of money needed to open a checking account. However, you are required to have a savings account with a minimum $5 balance. Please refer to the checking accounts table for more information.

The dividend rate ranges from 0.05% to 1.24% depending on the type of checking account.

The dividend crediting for a checking account is monthly. Please refer to the checking accounts table for more information.

The compounding method for a checking account is monthly. Please refer to the checking accounts table for more information.

The interest rate for a checking account is variable. Please refer to the checking accounts table for more information.