Share & Share Draft

Shares:  A safe and convenient way to save.

Minimum $5.00 to open with 6 months to bring balance to $100 (must maintain a minimum balance of $100 to remain open)

Custodial Account:   A worthwhile opportunity to save for your children

Minimum $5.00 to open with 6 months to bring balance to $100 (must maintain a minimum balance of $100 to remain open)
Available to members’ children and grandchildren from birth to age 21 years old
Christmas Club: An attractive Christmas savings plan with dividends

Minimum $5.00 to open
Payroll deduction
Funds are mailed to you or directly deposited to your share or share draft account on or after October 1st.

Share Draft :   A checking account with great value

$100.00 to open
No minimum balance required
No service charge
HECOEFCU will pay $14 towards your first order of checks
Debit card offered with every checking account
$500.00 overdraft protection offered with every checking account
(Higher limits available upon request.  Member must apply for overdraft protection)

Effective April 15, 2021: NEW Cash advance services available at HECOEFCU. Advance funds from any Visa credit or debit card, including government issued EIP/Stimulus pre-paid Visa cards. A fee of $3.50 will be assessed for NON-HECOEFCU VISA cards. Cardholder must be present with card and photo ID. All advances are subject to cash advance fees and associated interest rates per your Card Issuer Visa Agreement. Learn more