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Hutchinson Postal Credit Union Logo & Calculator Contact HPC Savings Calculator Loans Calculator Facebook Hutchinson Postal and Community Credit Union
2306 North Main • Hutchinson, Kansas 67502 • 620-662-8050 • HOURS: 9:00 to 5:00 Monday - Friday
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SAVINGS ACCOUNTS
Share Certificates

Opening an Account:
Please use this form PDF to open a Share Account with HPCCU.  You may fax this form to 620-669-9561 or mail to our office at 2306 N. Main St., Hutchinson, KS 67502, or bring to the credit union.
Rate and Fee Schedule:
The rates, fees, and terms applicable to your account at the credit union are provided in this Rate and Fee Schedule. 
The credit union may offer other rates for these accounts from time to time.
Share Certificate Account:
Minimum opening deposit: $1000.00
Dividends compounded  Semi-annually
Dividends credited Semi-annually
Dividend Period Semi-annual
Term Dividend Rate % Annual Percentage Yield %
6 Months not available at this time  
1 year .45% .45%
2 year .55% .55%
Additional deposits: Not allowed
Withdrawals: Allowed--dividends only
Renewable:  Automatic
TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES

LIST OF SERVICES

How do I become a member?

A share account is required in order to become a member. This account will be your main account.  A daily balance of $5.00 is required to maintain your membership.  Dividends are paid quarterly and statements are mailed quarterly.

Other share accounts

Christmas club accounts and special savings accounts are also available.  You may open an account to save for special purposes. These accounts will be sub accounts on your main share account. 

Children’s Savings Account

This is a great way to teach children about saving!  Children will receive a piggy bank upon their initial deposit of $5.00.  The child will receive points for deposits (automatic deposits are excluded) and can redeem them for toys displayed at the credit union.   Call the credit union for more details on this account.

Christmas Club Account

Payroll deductions are an easy way to save for Christmas.  It is up to you on how much you want to deposit.  On November 1, we issue a check to you so that you can start your Christmas shopping.

Checking Accounts

We offer checking accounts with low maintenance fees.  There is unlimited check writing.  Members can also apply for a debit card.  Statements are mailed monthly.

Certificate of Deposits (CD’s)

CD’s are a great way to save.  We offer 6, 12, and 24 month CD’s.  Penalties for early withdrawals may apply.

Individual Retirement Accounts (IRA’s)

IRA’s can supplement your retirement income.  We offer Traditional, Roth, and Educational IRA’s.  Please consult your tax advisor for more information on how you could benefit from an IRA.

Visa Gift Cards

Gift cards are the perfect gift idea for any occasion.  You choose the amount of the gift.  They are convenient, safe, and easy to use.

Discount Movie Tickets

We have discounted movie tickets for purchase at the credit union. Currently the price is $7.50 each. They never expire and can be used at any B&B Theater. Check out the website at bbtheatres.com Great for anytime!  

Loans

Get pre-approved before going to the dealership.  We offer competitive loan rates on vehicles, motorcycles, RV’s, and boats.   We also offer share secured and CD secured loans.  Disability and life insurance coverage on loans are optional.  You may qualify for additional rate discounts; call the credit union for more details.

VISA Credit Cards

We offer a competitive fixed rate credit card.  No annual fees.  Minimum payments are 3% of the outstanding balance or $15.00, whichever is greater.

Gap Insurance Coverage

Gap insurance is available on most vehicle loans.  Gap covers the financial gap between the actual cash value of your vehicle and the payoff amount of your loan in the event of a total loss. Gap insurance is optional.  Call the credit union for pricing.




LOANS
Loanliner Application

To open the Loanliner Application Application PDF that will allow you to fill out your information online, print it off and sign before either mailing or bringing the application in to our Credit Union Click Here Package PDF.

Loan Rates

As of February 8, 2017

All loan rates subject to change without notice

                                                                                

 

                                                                              "A"                            "B"                        "C"                           "D"
                                                                             APR                          APR                      APR                         APR

New Vehicles

2017-2016

60 months

48 months

36 months

 

 

  3.00%

  3.00%

  3.00%

 

 

  4.00%

  4.00%

  4.00%

 

 

  8.75 %

  8.50%

  8.25%

 

 

  11.75%

  11.50%

  11.25%

Used Vehicles

2017-2016-2015

60 months

48 months

36 months

 

 

  3.75%

  3.50%

  3.25%

 

 

  4.75%

  4.50%

  4.25%

 

 

  9.00%

  8.75%

  8.50%

 

 

  13.00%

  12.75%

  12.50%

2014-2010

48 months

36 months

 

  4.25%

  4.00%

 

  5.25%

  5.00%

 

  9.50%

  9.25%

 

 13.50%

 13.25%

2009 and older

24 - 36 months

  5.00%

  6.00%

 10.00%

 14.00%

Signature Loans

  7.00%

 10.00%

 14.00%

 17.00%

Share secured and CD secured   4.00% above      share/CD rate   4.00% above share/CD rate   4.00% above share/CD rate   4.00% above share/CD rate

   

**Notice:  Interest rates listed are APR (Annual Percentage Rate).  All rates are subject to credit approval and are subject to change without notice.  Rates apply to new HPCCU loans and refinances from other financial institutions.  Loan rates are based on credit scores.  We will evaluate the ability to repay, credit history, debt/income ratio, unsecured ratio, character and collateral.                                 

APR--Annual Percentage Rate

APY--Annual Percentage Yield

All rates subject to change without notice

 

                                                              
Additional Information

Filing fees:  You will be charged a lien-filing fee at the time of the advance if the credit union takes a security interest in your collateral.  The amount of the filing fee will be based upon the amount of fee required by law for the credit union to obtain a lien on your property.

Collection costs
:  You promise to pay the cost of collection the amount you owe under this agreement including court cost and reasonable attorney fees or outside collection agencies.

Skip payment
:  If you have been approved to skip a payment, members are required to pay the accrued finance charges (interest).  If an exception is made, the finance charges will continue to accrue during the skip payment period.


Late fee:  If you loan payment is 15 or more days late, you will be charged a late fee of 5% of the unpaid amount of the installment due or $25.00, whichever is less.

Gap Insurance
:  We offer Gap Insurance on car advances.  This insurance is voluntary and is not required to obtain the advance.  If you purchase the coverage from the credit union, the cost will be $199.00. 

Rate Discounts:  You may qualify for a discount on the rates above.  CD and Share loans are excluded from rate discounts.

DISCRETIONARY REGULATIONS APPLY
These loan limits do not automatically apply.  Each loan request is considered on its own merits.  Loan rates are based on credit scores. We will evaluate the member’s ability to repay, credit history, debt/income ratio, unsecured ratio, character and collateral.


**Your savings federally insured to $250,000 by NCUA,
National Credit Union Administration, a U.S. Government Agency**


FEE SCHEDULE

CHECKING ACCOUNT FEES:

MOTHLY SERVICE CHARGE IF BALANCE FALLS BELOW $300.00

$5.00

PER HOUR CHARGE FOR RECONCILATION SERVICES (minimum one hour)

$15.00

COPY OF CHECK OR RESEARCH CANCELLED CHECK

$3.00

STOP PAY ON CHECK OR ACH STOP PAY

$15.00

SHARE DRAFT OR ACH INSUFFICIENT FUNDS PER ITEM (PAID OR RETURNED)

$25.00

RETURNED ACH LOAN PAYMENTS (EFFECTIVE MAY 1, 2017)

$25.00

CHECK PRINTING FEE

VARIES

RETURN OF DEPOSITED ITEM

$5.00

SHARE DRAFT PRINT OUT  (PREVIOUS MONTH (S))

$3.00

   

WIRE TRANSFER FEES:

OUTGOING WIRES $15.00

INCOMING WIRES: 

$5.00

   

VISA CREDIT CARD FEES:

RETURNED CHECK FEE  (effective June 1, 2012)

25.00

REPLACE LOST CARD OR REISSUE A NEW PIN #  (effective June 1, 2012)

$5.00

VISA CASH ADVANCE (AT CREDIT UNION OFFICE)

NO CHARGE

VISA LATE PAYMENT --$20.00 or the amount of the required minimum payment, whichever is less, if you are 20 or more days late in making a payment

$20.00

DOCUMENT COPY FEE  (effective June 1, 2012) $10.00
 

 

ATM/DEBIT CARD FEES:

ATM  WITHDRAWAL FEE

Varies

Debit Card or PIN# replacement

$5.00

   
FAX SERVICES:

SEND FIRST PAGE
$1.00 

ADDITIONAL PAGES 

 $ .50

RECEIVE PER PAGE

 $.50

   
MISCELLANEOUS FEES:

GARNISHMENTS/LEVIES TO ACCOUNT

$15.00

EARLY ACCOUNT CLOSED FEE (WITHIN FIRST 6 MONTHS)

$15.00

NON MEMBER CHECK CASHING FEE

$1.00 per hundred

HPC CREDIT UNION CHECKS MADE PAYABLE TO A THIRD PARTY : (IF CHECK IS MADE PAYABLE TO MEMBER, THERE IS NO FEE)

$2.00

COPY FEE (PER PAGE)

 $.05

ACCOUNT RESEARCH FEE (MINIMUM ONE HOUR)

$25.00

VISA GIFT CARD $3.00
UNDELIVERABLE MAIL  (effective May 1, 2010) $5.00 per month
INACTIVE/DORMANT ACCOUNT FEE (effective Oct. 1, 2010) $5.00 per qtr




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