*Open to eligible members who are legal U.S. residents 18 years of age or older, unless prohibited by law. A person seeking Credit Union membership must also meet at least one of the criteria found at https://www.hacu.org/membership-benefits/am-i-eligible/. One entry per person. Non-Members, HealthCare Associates Credit Union (HACU) employees, and their immediate family members are not eligible to participate. Offer valid: 10/01/2024 – 11/30/2024. Drawing date: 12/02/2024. Winner will be notified by phone or email. HACU reserves the right to validate the winning entry. Upon HACU validation of a completed financial wellness check-up survey, active membership in good standing and an open HACU primary savings account, a one-time $4,500 Anniversary Giveaway payout will be deposited into the winners' open HACU primary savings account within 30 days of the drawing date (no later than 01/01/2025).
No purchase necessary to enter or win. A purchase will not improve the members chances of winning. All entries have an equal chance of winning. Odds of winning depend on the total number of entries received. By participating in the Anniversary Giveaway, each entrant unconditionally accepts and agrees to comply with and abide by the terms and rules herein.
HACU decisions are final and binding on all matters relating to this offer. HACU, at its discretion, may terminate, modify, amend, or suspend this promotion in anyway, at any time, for any reason without prior notice, and the decisions of HealthCare Associates Credit Union (HACU) shall be final and binding in all respects. HACU is responsible for the overall administration of the Contest. Participants agree to release, discharge, or hold harmless the sponsor, it’s respect of parents, affiliates, subsidiaries, and others, engaged in the development and creation of this offer from any liability, claims, losses, and damages arising out of or relating to their participation in this offer, or the acceptance, use, misuse, or possessions of any prize received in this offer. Offer subject to change without notice. Terms and conditions may apply. Void where prohibited. Please contact a Member Service Representative for details.
Tax Reporting: The $4500 Anniversary Giveaway payout may be subject to tax reporting, where required by law. The recipient is responsible for any federal, state, or local taxes on payout. Please contact your tax advisor for proper reporting procedures. HACU may be required to report Giveaway Payout to tax reporting authorities.
1APY = Annual Percentage Yield. Business Checking accounts are not eligible for the high interest return. The Dividend Rate and APY listed is effective 10/1/2024-12/31/2024, and subject to change anytime thereafter. No minimum balance required to earn the 4.50% APY. Monthly requirements to earn 4.50% APY: Direct deposit equal or greater than $500, a minimum of 12 Debit/Check Card transactions per month (Pending transactions and ATM transactions not included), enroll in My247, login once monthly, and consent to receive e-Statements. Balances up to $10,000 will earn the stated rate and the portion of the balance over $10,000 will not earn dividends. Fees could reduce earnings. Terms and conditions may apply.
2APR = Annual Percentage Rate. Rate listed is accurate as of 10/1/2024, and subject to change. Rate listed applies to new and used vehicle loans, model years 2022 or newer and a 12-month term. Payment example: 12-month term rate of 5.24% APR, $85.72 per $1,000 borrowed. Rates vary based on credit score and term; not all borrowers will qualify for the lowest rate. Vehicle loans are subject to credit qualifications. Offer not valid on existing HealthCare Associates Credit Union (HACU) loans. Loan application must be submitted October 1, 2024, through November 30, 2024, and loan must be booked within 30 days of pre-approval to receive promotional discount offer. Contact HACU for full details.
Deferring payment is optional and subject to credit and collateral value. First payment may be deferred up to 90 days. Interest accrues daily from the date of funding and is repaid over the term of the loan. Offer may be withdrawn at any time.
Funds are insured up to $500,000. Funds are federally insured up to $250,000 by the National Credit Union Administration (NCUA). An additional $250,000 is insured by Excess Share Insurance (ESI), a subsidiary of American Share Insurance, the nation’s largest private deposit insurer for credit unions.
3APR = Annual Percentage Rate. Rate listed is accurate as of 10/1/2024, and subject to change. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral. Property insurance is required. Home Equity Loans and Home Equity Lines of Credit must be secured by owner occupied real estate, in IL, IN, MO and WI. Minimum $5,000 to open a Home Equity Loan or Line of Credit. Minimum Loan/Line amount of $25,000 in new money to avoid closing costs. If you should close your Home Equity Line of credit within 24 months, you must reimburse HACU for bona-fide third party fees up to $900. For loan/line amounts of less than $25,000 you will pay processing costs up $900. Refer to hacu.org or call our loan department for additional information. Additional disclosures will be sent after application is received, please retain a copy for your records. Payment example: 12-month term rate of 6.54% APR, $86.31 per $1,000 borrowed.
Funds are insured up to $500,000. Funds are federally insured up to $250,000 by the National Credit Union Administration (NCUA). An additional $250,000 is insured by Excess Share Insurance (ESI), a subsidiary of American Share Insurance, the nation’s largest private deposit insurer for credit unions.
4APR = Annual percentage rate. Rate quoted is accurate as of 10/1/2024, and subject to change. Rate listed applies to motorcycle, boat and RV loans, model years 2022 or newer and a 12-month term. Payment example: 12-month term rate of 6.54% APR, $86.31 per $1,000 borrowed. Rates and terms vary based on credit score; not all borrowers will qualify for the lowest rate. All loans are subject to credit and collateral approval qualifications. Offer not valid on existing HealthCare Associates Credit Union (HACU) loans. Loan application must be submitted October 1, 2024, through November 30, 2024, and loan must be booked within 30 days of pre-approval to receive promotional discount offer. Loan promotions do not apply to vehicles currently financed with HealthCare Associates Credit Union. Terms and conditions apply and are subject to change without notice. Contact HACU for full details.
Funds are insured up to $500,000. Funds are federally insured up to $250,000 by the National Credit Union Administration (NCUA). An additional $250,000 is insured by Excess Share Insurance (ESI), a subsidiary of American Share Insurance, the nation’s largest private deposit insurer for credit unions.
Funds are insured up to $500,000. Funds are federally insured up to $250,000 by the National Credit Union Administration (NCUA). An additional $250,000 is insured by Excess Share Insurance (ESI), a subsidiary of American Share Insurance, the nation’s largest private deposit insurer for credit unions.
