Our Services

Savings Accounts

OPENING A NEW ACCOUNT:

Please use this form 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.

RATES 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:

Dividends compounded

Dividends credited

Dividend Period

$500.00

Semi-annually

Semi-annually

Semi-annually

VIEW CURRENT RATES

Additional deposits:

Withdrawals:

Renewable:

Not allowed

Allowed–dividends only

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.

Discount Movie Tickets
We have discounted movie tickets for purchase at the credit union. Currently the price is $9.50 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

Apply for a Loan Today!
Apply Online — Printable Application

*Printable Appplication is a PDF file. You can download a free PDF reader from Adobe by clicking here.

Loan Rates
as of January 2, 2024.
All loan rates subject to change without notice.

New Vehicles *no discount on A rates on new vehicles

“A”
APR
“B”
APR
“C”
APR
“D”
APR

2024-2023*

84 months 7.00% 8.00% N/A N/A
72 months 6.75% 7.75% N/A N/A
60 months 6.50% 7.50% 10.00% 12.50%
48 months 6.25% 7.25% 9.75% 12.25%
36 months 6.00% 7.00% 9.50% 12.00%

*no discount on “a” rates on new vehicles

Used Vehicles
2024-2019

72 months 7.75% 8.75% N/A N/A
60 months 7.50% 8.50% 10.25% 13.75%
48 months 7.25% 8.25% 10.00% 13.50%
36 months 7.00% 8.00% 9.75% 13.25%

 

Used Vehicles
2018-2011

60 months 8.00% 9.00% N/A N/A
48 months 7.75% 8.75% 10.75% 14.50%
36 months 7.50% 8.50% 10.50% 14.25%

 

Used Vehicles
2010 and older

48 months 9.00% 9.50% N/A N/A
36 months 8.75% 9.25% 12.00% 15.00%
24 months 8.50% 9.00% 12.00% 15.00%

 

Signature Loans

**total unsecured with the credit union cannot exceed $5,000 

(includes VISA balance) 

10.00% 

Up to $5,000 

48 months 

12.00% 

Up to $3,000 

36 months 

16.00% 

Up to $2,000 with qualified cosigner if required by credit committee 

   24 months 

18.00% 

Up to $1,500 with qualified cosigner if required by credit committee 

   24 months 

Share secured
and CD secured

4.00% up to  60 months 4.00% up to  60 months 4.00% up to  60 months 4.00% up to  60 months

*no discount on “a” rates on new vehicles

No discounts on new vehicles

Automatic payment discount on used vehicles

Automatic payment discount on signature loans

No discounts on cd/share secured loans

Automatic payment=.25

**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

Effective March 15, 2023 the loan origination fee on approved loans will increase. CD secured and share secured loans will be excluded from the fee. The fee will be based on the loan amount. The fee on loans less than $2,500 will be 2% of the loan amount. The fee on loans over $2,500 will be a flat $60 fee. The fee on refinanced loans may vary due to the amount of the new money

Loan origination fee: Effective April 1, 2019, there will be a loan origination fee on approved loans. CD secured and share secured loans will be excluded from the fee. The fee will be based on the loan amount. The fee on loans less than $2,500 will be 2% of the loan amount. The fee on loans over $2,500 will be a flat $50 fee. The fee on refinanced loans may vary due to the amount of the new money.

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. Please ask for more information. This insurance is voluntary and is not required to obtain the advance.

Rate Discounts: You may qualify for a discount on the rates above (no discount on A rates on new vehicles). 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

Fees subject to change without notice.

CHECKING ACCOUNT FEES:

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 SHARE ACCOUNT: CHECK OR ACH NSF PER ITEM (paid or returned)(effective 2-18-19)

$30.00

CHECK PRINTING FEE

VARIES

RETURN OF DEPOSITED ITEM (effective January 1, 2014) 

$6.50

SHARE DRAFT PRINT OUT (PREVIOUS MONTH(S)

$3.00

DUPLICATE STATEMENTS

$3.00

WIRED TRANSFER FEES:

OUTGOING WIRES

$15.00

INCOMING WIRES

$5.00

VISA CREDIT CARD FEES:

VISA OVER THE LIMIT

none

VISA REPLACEMENT CARD OR ISSUE NEW PIN # (effective June 1, 2012)

$5.00

VISA CASH ADVANCE (AT CREDIT UNION OFFICE)

NO CHARGE

REPLACE LOST CARD OR REISSUE A NEW PIN # (EFFECTIVE JUNE 1, 2012)

$5.00

RETURNED CHECK FEE (EFFECTIVE JUNE 1, 2012)

$25.00

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:

DEBIT CARD OR PIN # REPLACEMENT

$5.00

FOREIGN TRANSACTION FEES (effective 4-1-11)

Typically, 1% of transaction amount

ATM WITHDRAWAL FEE

VARIES

FAX SERVICES:

SEND FIRST PAGE

$1.00

ADDITIONAL PAGES

$0.50

RECIEVE PER PAGE

$0.50

MISCELLANEOUS FEES:

RETURNED ACH LOAN PAYMENTS (Effective Feb. 19, 2019)

$30.00

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

HPCCU CHECKS MADE PAYABLE TO A THIRD PARTY: (IF CHECK IS MADE PAYABLE TO THE MEMBER, THERE IS NO FEE)

$2.00

COPY FEE (PER PAGE)

$0.05

ACCOUNT RESEARCH FEE (MINIMUM ONE HOUR)

$25.00 per hour

UNDELIVERABLE MAIL (EFFECTIVE MAY 1, 2010)

$5.00 PER MONTH

INACTIVE/DORMANT ACCOUNT FEE (EFFECTIVE APRIL 20, 2021)

$10.00 PER MONTH

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