Account Options

Savings accounts are essential for each of our members, and are for everyone. Every age, purpose, and need! See what it can do for you.

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Checking accounts manage how you spend money and pay bills. Learn how to take advantage of all the options available to you.

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Our money market account is great for those with a higher savings balance. You can make as many deposits as you like, withdrawal up to 6 times a month, and earn higher dividends than just a regular savings. 

Details and Benefits about Money Market accounts include:

• A minimum balance of $2,500
• Different balance levels for various dividends
• Dividends are paid monthly
• Direct Deposit Available
• Perfect Teller Access to the account
• Up to 6 withdrawals allowed with no penalty
• Stable and secure

The Christmas Club account is for those who want to save for the holidays throughout the year. This account encourages holiday savings!

Details and Benefits of the Christmas Club account includes:

• No minimum balance or deposits required
• Dividends that are paid monthly
• Funds are issued, the way you want, November 1st-  a notice is mailed to you in October
• Savings encouraged with early withdrawal penalties
• Withdrawals can only be processed at our HUCU offices in Downtown Indianapolis, to continue to promote savings
• Direct Deposit Available
• Deposits accepted anytime throughout the year
• Confidence in knowing you will have money for the holidays!

The Vacation Club account is for those who have been setup with their contractor through the IBEW Local 481 Electrical Union, SMW Local 20 Sheet Metal Workers Union -or- those who would like an extra savings when they are ready to go on vacation!

Details and Benefits of the Vacation Club account includes:

• No minimum balance or deposits required
• Dividends that are paid monthly
• Funds are issued, the way you want, any time you want
• Savings encouraged with no ATM access
• Withdrawals can be processed at any Downtown Indianapolis HUCU office or Nationwide Shared Branch location
• Direct Deposit Available
• Deposits accepted anytime throughout the year
• Relax, knowing you will have money for that vacation or summer fun!

Our Special Savings account is perfect when you need to have money separate from other savings. These are perfect for annual expense savings, special occasion savings, or just a way to have a little extra cash put back!

Details and Benefits of our Special Savings account includes:

• No minimum balance or deposits required
• Dividends that are paid monthly
• Direct Deposit Available
• Accessible at any downtown or nationwide location
• Make withdrawals anytime you like

Our Smart Start, or Ultra Savings account is a way to promote general savings. These accounts reward no withdrawals by a slightly higher dividend rate. These are perfect to start for kids, or to save for something you want more than 12 months from now (like a down payment on a house or car, college expenses, or much more).

Details and Benefits of our Smart Start / Ultra Savings account include:

• A minimum balance of $250.00
• Dividends that are paid monthly
• Direct Deposit Available
• Withdrawals only allowed every 12 months
• Encourages Savings with an early withdrawal penalty

Our Share Certificate accounts are perfect for those looking to do short term or long term investing and knowing what the return will be. We hold a certain dollar amount (over $1,000) in a certificate for a term of 6, 12, 18, or 24 months and pay you a fixed dividend rate every month. You can earn money without the worry of variable investments.

Details and Benefits of our Share Certificate  accounts include:

• Dividends that are paid monthly on your anniversary date of opening
• Variable terms to meet your investing needs
• Fixed rate for the duration of the Share Certificate 
• Maturity notification so you can decide to reinvest at the new rates, or to cash it out
• Encouraged savings with withdrawal penalties

Our Kids Club Savings account is a way to promote general savings for those starting out, or to start saving for the children in your life. These accounts are rewarded by a slightly higher dividend rate. 

Details and Benefits of our Smart Start / Ultra Savings account include:

• A minimum balance of $5.00
• Dividends that are paid monthly
• Direct Deposit Available
• Must be under 18 for the primary account owner, with a legal adult as the joint owner on the account