Main Share Savings

Your first step to becoming a Hughes member.
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A move toward smart financial planning.

A Main Share Savings Account establishes your membership at Hughes. An initial deposit of $5 is required upon opening.

To earn dividends, you are required to have a daily minimum balance of $5.
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Rates

0.05% APY*
Main Share Savings

Features & Benefits

  • Creates your share in the credit union
  • Open account with just $5

Why Main Share Savings ?

Get started with Hughes.

Easy Application Process

Easy Application Process

Skip the branch visit and apply online!
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Lifetime Membership

Maintain the minimum balance in your Main Share Savings, and you’ll remain a member for life.

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Overdrawn Protection

Use the account as a source for Overdrawn Protection. 
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FAQ

Main Share Savings Frequently Asked Questions

Why am I required to open this account?

The Main Share with the required $5 minimum deposit represents ownership as a member of Hughes, which is why all members are required to open this account.

Can my Main Share be used as Overdraft Protection for my Checking account?

Yes! If your Checking account has insufficient funds, we can automatically transfer available funds from your Main Share to cover the item(s).

If I've already applied, how can I check the status of my application?

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

How do I add a joint owner to my account?

If you would like to add a new joint owner to your existing membership you have several options:

  • Use the online Add a Joint Owner Application (fastest and easiest).
  • Come into a branch together and a Member Services Representative can assist you. Be sure to bring one form of ID, being a government issued ID such as a U.S. driver's license.
  • Call 520-794-8341 and request that the form be mailed to you.

How many transfers can I make from my savings account each month?

Currently, there are no limits on the number of transfers you may make from your savings account. 


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Disclosures

Effective Date: 04-01-2026

*APY = Annual Percentage Yield. Savings dividends are compounded daily and credited quarterly. Minimum Balance required to open an account and earn the posted APY. Please reference Share Accounts Information and Disclosure and/or contact a Credit Union employee for additional information. Rates and terms are subject to change at any time. Fees may reduce earnings.