Checking Accounts

Great Checking Without the Hidden Charges! No Monthly Service Fee, No Minimum Balance Requirement, No Per-Check Fees, Free VISA® Check Card (Debit Card), and Overdraft Protection.

Checking Tier
Click on any checking product for details.
Annual Percentage Yield (APY) * Balance to Earn Minimum APY Minimum to Open Account Dividend Rate Dividend Crediting Compounding Method Variable / Fixed Open Account
Accelerator Checking0.05%$0$0.000.05%MonthlyMonthlyVariable Open account
Accelerator Checking Tier 10.50%$0$0.000.50%MonthlyMonthlyVariable Open account
Accelerator Checking Tier 20.70%$0$0.000.70%MonthlyMonthlyVariable Open account
Accelerator Checking Tier 31.00%$5,000$0.001.00%MonthlyMonthlyVariable Open account
Accelerator Checking Tier 41.25%$5,000$0.001.24%MonthlyMonthlyVariable Open account
HUDSON HERITAGE CHECKING ACCOUNTS COME WITH THESE GREAT FREE FEATURES:
Get Direct Deposit for Easy Access to Your Money

Direct Deposit takes the stress out of cashing your paycheck. You can have all or part of your paycheck automatically deposited into your HHFCU Checking Account.

Click here to have your money deposited into your HHFCU account.

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Add Overdraft Protection and Never Get Caught Short

Overdraft Line of Credit protection can cover those times when you may need more money than you have available in your checking account. You pay interest only on the amount of the line used and avoid returned check fees. With Overdraft Protection, you’ll never worry about returned check fees due to the occasional error.

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Bank Anytime, Anywhere

Manage your accounts anytime with Online and Mobile Banking. Pay bills, check your balance, manage your finances and send money to friends and family. You can even deposit checks right through your phone.

iCLIQ ONLINE BANKING

iCLIQ TOGO MOBILE BANKING

iMGMT ONLINE FINANCIAL MANAGEMENT

iPAY ONLINE BILL PAY

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Join Today and Save!

Bank with a local financial institution that provides low rates and great service. All you need to start and maintain a lifetime membership with Hudson Heritage Federal Credit Union is a $5 Share Savings Account balance.

*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 above.  Rates are subject to change anytime without noticed.  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.