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Here are some commonly asked questions we receive. If you don't find it here, use the Search bar above.

Hughes Routing Number is 322174944

Visit our application status portal to check the status of your application, upload documents, or send us questions or comments. 


You will need the following information to complete an application online or in a branch:
  • Social Security Number
  • A valid form of identification (U.S. Driver's License/ID or U.S. Passport with Signature)
  • Previous address if at current address less than two years
  • Joint Applicant/Co-Borrower information (if applicable)
  • If applying for membership: Information to fund your new account (existing HFCU member number, account and routing number from another financial institution, or a credit/debit card)
  • If applying for a loan: Previous employer information (if at current employer less than two years), Proof of income, and Collateral information (secured loan requests only).

Hughes Federal Credit Union

PO Box 11900

Tucson, AZ 85734

Business hours vary by location. Check the Location Finder to see the hours at a particular Hughes branch.

The Contact Center is available to take your call 9am–5pm (Monday–Thursday) / 9am–6pm (Friday) at 520-794-8341.

Hughes branches are closed the following holidays

  • Martin Luther King Jr. Day
  • Presidents Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving
  • Christmas Eve (open until 1pm)
  • Christmas Day

Hughes offers a number of ways to make your car payment. Visit the Make a Payment page for details.

Yes. Notary services are available to Hughes members at no charge. Stop by any Hughes branch during regular business hours. No appointment is necessary to see a notary public, however, if you have several documents to be notarized, we encourage you to do so.

To change your Hughes debit card PIN, bring your card to any Hughes branch during business hours and speak with the receptionist.

(Not available at Voyager Branch location)

Use our Location Finder to search for a CO-OP Shared Branch or surcharge-free ATM near you.

Find the appropriate Fraud form and follow the instructions.

Hughes members with a Checking PLUS account have access to Benefits Plus which offers discounted tickets to theme parks and attractions.

The easiest option is to have all current membership owners come into a branch together to complete the necessary documentation. A member service representative will walk you through the process.

If everyone isn't available to visit a branch:

  • The joint owner needs to complete a Disclaimer to Remove Joint Owner form and give it to the primary member. This must be notarized if not signed in a branch.
  • The primary member needs to complete a new Application for Membership form with all remaining joint owners. This also must be notarized if not signed in a branch.
  • The primary member will need to submit both forms along with valid, government-issued identification to the Member Services Department for processing.

You may come into any of our branches or call and request that the forms be mailed to you.

NOTE: If the joint owner is a co-borrower on an outstanding loan, we may not be able to remove them from the membership.

First you will need to login to Online Banking, click on the Accounts tab and then click on Credit Card. Have your Hughes credit card number handy and register your card. You may view your credit card online anytime you are in Online Banking on your computer. Credit card online is not available on the mobile app at this time.

  • In the Hughes mobile app or online banking, click Transfers > External Transfers.
  • Deposit a check from your other financial institution to your Hughes account. Check holds may apply.
  • Mail a Bill Payment from your other financial institution to Hughes.
  • Send an ACH transfer from your other financial institution to Hughes.
  • Initiate a wire transfer from your other financial institution to Hughes.

Click the "Forgot Your Password?" link at Online Banking to reset your password. You will be prompted to answer a security question and/or to authenticate via text or voice mail to confirm your identity. You can then reset your password.

For your security, we require a complex password. This password must be a minimum of 8 characters (maximum 32 characters). It must include the following: one or more upper case letters, one or more lower cases letters, one or more numbers, one or more special characters. Example: H9g43$Fcu.

To set up direct deposit at your work, contact your employer's payroll department and provide the following information:

Hughes Federal Credit Union
PO Box 11900
Tucson AZ 85734

Routing Number: 322174944

Your member number and whether the deposit is going into your Checking or Main Share savings. If the deposit is going into your Daily Savings, please include -08 after your member number.

Social Security recipients can call the Social Security Administration at 800-772-1213 or go to to have funds directly deposited into their Hughes account.


To view a copy of your canceled check, log into Hughes and search in Accounts > Account Activity. This feature is only available within Online Banking, not in the mobile app.

You may visit one of our branches or call the credit union at 520-794-8341 to place an order for the check copy(ies). Depending on the amount of research needed to complete your request, you may be charged fees – typically $3.00 per check and research fees are $15.00 per hour.

  • Visit one of our branches and show valid government-issued identification.
  • Request the information by calling our Member Contact Center at 520-794-8341. You must provide your name, phone access password, and answer additional identification questions before our employees release this information to you.
  • Locate a copy of your Credit Union statement. Your member number is on the statement.


Yes. Login to Online Banking, click Accounts > eStatements > Documents and select your current statement. On the drop-down menu at the top, select the tax form.

If you did not receive your tax forms, it could be for one of the following reasons:

  • We do not have your correct mailing address on file.
  • You did not earn more than $10 in dividend/interest income for the year.
  • You did not pay more than $600 in interest on a home equity or mortgage loan.

If none of these three reasons apply to your membership, please call 520-794-8341 to submit a request for a duplicate tax form. Please have your member number and phone access password available when you call.

If you write a check, use your debit card, or have an electronic withdrawal (ACH) overdraw your account, Overdrawn Protection will automatically transfer money from your Main Share Savings to your Checking PLUS or Checking account. This service is free to use, but these types of transfers from the Main Share Savings are limited to no more than six a month under Regulation D. We suggest opening a Daily Savings account, Line of Credit, or Home Equity Line of Credit to avoid reaching your Regulation D limit and getting charged a $30 fee.

If you don't have enough money to cover your transaction with any of your Overdrawn Protection accounts, that’s when Overdraft Privilege kicks in – available for Checking PLUS and Checking Accounts. That means Hughes will pay the item for you, saving you the embarrassment and inconvenience of bouncing a check, missing your loan payment, or not being able to pay for your meal. There is a $30 fee for each transaction paid with Overdraft Privilege.

Overdraft Privilege covers checks and electronic withdrawal (ACH) transactions. You can also opt in to extend your Overdraft Privilege to cover ATM and one-time debit card transactions as well by visiting a branch near you or calling us at 520-794-8341.

NOTE: Checking PLUS accounts come with up to $750 Overdraft Privilege and Checking accounts come with up to $600 (including fees). Payment by Hughes is a discretionary courtesy and not a right of the account holder or an obligation of Hughes. Some restrictions apply.

Regulation D (Reg D) is a federal rule that puts a limit of six (6) transactions per calendar month on certain transfers and withdrawals from some savings or money market accounts. Learn more about Reg D.


Current loan rates are listed on each Loan Product page. See a comprehensive list of rates on our Rates & Fees page.