Main Share Account
It all starts here. Opening a Share Savings Account is all it takes to become a member of Hughes Federal Credit Union. The minimum deposit to open the account is $50. That's your share in the credit union, which stays in the account, earns dividends, and maintains your membership. Your Main Share Account is your passport to full membership privileges at Hughes FCU.

You can also open your account with a $10 deposit and have six months to bring your balance up to the minimum $50. Once you reach $50, you can apply for any of our other benefits and services, which include voting for our board of directors.

Once you're a member of Hughes Federal Credit Union, you're a member for life and can take advantage of the Products and Services we offer.

The Main Share Account is subject to Regulation D which allows a maximum of 6 withdrawals per month. If you need to use your savings account for frequent transactions, you may want to open a Daily Savings Account. It earns higher dividendsthan a regular checking account but there are no withdrawal limitations.

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Daily Savings
The Daily Savings account is a transactional account designed for members who desire convenient access to their savings. Withdrawals and transfers are not subject to Regulation D withdrawal restrictions. With a Daily Savings Account, you can access your money at ATMs and point-of-sale machines. The minimum balance is only $.01 and you'll earn competitive rates on a daily basis. Use your ATM or Guarantee Card to debit this account at merchants displaying the INTERLINK® logo.

Your Daily Savings Account can also be set up as Overdrawn Protection for your checking account. We recommend this account be used as the second source of Overdrawn Protection following the Line of Credit (LOC).

To open your account, contact a Member Service Representative at (520) 794-8341 or email us with your request.

HEALTH SAVINGS ACCOUNTS Now Available

With the high cost of medical expenses, qualifying members can now contribute to a Health Savings Account offered through the Credit Union and put money aside for current and future medical expense—tax-free.

Advantages of Health Savings Accounts
• Security
• Affordability
• Flexibility
• Savings
• Control
• Portability
• Ownership
• Tax Savings  

For more reading information:
Helping Control Health Care Costs
Health Savings Accounts

Advantages of Health Savings Accounts To open your Health Savings Account, please contact the Credit Union by calling (520) 794-8341; (800) 253-8245 or stop by any branch.

Term Share Accounts
Hughes Federal Credit Union offers a variety of Share Certificates. All certificates have terms of 6 months; 12 months; 24 months; or 36 months.

• Term Share Account — minimum balance $1,000. Rates on this account are competitive and are compounded daily and credited monthly.
• Mini-Jumbo Term Share Account — minimum balance $50,000. Rates on these accounts are higher than on the lower minimum Term Share Account.
• Jumbo Term Share Account — minimum balance $50,000. Rates on these accounts are the highest offered on our term accounts.

Ask about our new Youth Term Share Accounts for members age 0-17 years of age! Hughes FCU is committed to starting youth on the path of setting financial goals and saving to reach them.

• Available terms are 6, 12, 24 and 36 months.
• Minimum balance of just $100!
• Rates vary depending upon the amount deposited and term chosen.

There is a substantial penalty for early(premature) withdrawal of Term Share Account (formerly called Certificate of Deposit) funds. Rates and Annual Percentage Yields (APY) are accurate as of the date of publication. Please contact the Credit Union for current rates or more information.

Holiday Club
Stop paying holidays bills long after the holiday season has ended! Open a Holiday Club Account today and start saving for the next holiday season. Sign up for Direct Deposit and we can put a little in the account from each pay or retirement check. It's the easy and painless way to save for next year's holiday expenses. The funds are transferred into your Main Share Account on October 1st to make holiday shopping more enjoyable.

To open your account, call a Member Service Representative at (520) 794-8341 or email us with your request.

"You Name It" Savings Account
Members can now open a new type of savings account called the "You Name It" account. It's called that because you can choose the name for your own savings account and use it for whatever you want: vacations, college, a new car, summer childcare, and more. The name you select, such as "My Cruise" (up to 24 characters), will appear on your statement and eBranch online banking so you can easily track your progress toward your savings goal.

Call a Member Service Representative today (520) 794-8341 or email us to open your "You Name It" savings account today!