Savings Products

HealthONE Federal Credit Union offers a full variety of savings and investment products for all of our members' needs. All of our savings products are insured up to $250,000 per member by the National Credit Union Administration (NCUA).

Regular Share Savings

Confirms your membership and a share of ownership at HealthONE Federal Credit Union. A minimum deposit of $25.00 is required. You earn dividends, calculated on the daily balance and paid quarterly, on balances above $100.00. You can access your balance 24 hours a day via 24-hour telephone and Internet Teller. You can also make deposits to your account with direct deposit and payroll deduction.

Subject to Federal Reserve Regulation D, which limits electronic funds transfers to six (6) per month.

Money Market Accounts

Higher earnings and high liquidity are the advantages of this account. Minimum balance is required of $2,000.00. Dividends are compounded daily and paid monthly. You can make up to three (3) withdrawals per month with no fee. ($500.00 minimum each occurrence.) These funds are also insured to $250,000 by National Credit Union Share Insurance Fund (NCUSIF) So there is no risk of loss, and funds do not lose value.

Note: Interest will be earned at the 0% rate for those days when the balance falls below the minimum balance. If balance falls below the minimum balance, a fee will be charged to the account.

Share Certificates (CD)

If you want safety, yield, and a "locked-in" rate, you'll find our Share Certificate accounts an attractive option. Also known as Certificates of Deposit, Share Certificates earn high rates of interest, and offer a variety of terms.

• Minimum balance of $500.
• Six (6), 12, 24, 36, 48 and 60-month terms.
• Federally insured to $250,000 by the NCUSIF.
• Funds do not lose value.
• Dividends are compounded daily and paid monthly.
• Penalty for early withdrawal is 90 days interest for a six (6)-month or one (1)-year certificate; and 180 days interest for certificates over one year.

IRA Accounts

We currently offer Traditional, Roth, and Coverdell ESA. You may invest your IRA with us in an IRA Share Savings Account with no minimum balance, and dividends paid quarterly.

We also offer IRA Certificates with terms of six (6) months to five (5) years with a minimum balance of $500.00. IRA Certificates pay dividends monthly. These certificates are subject to penalty based on length of maturity. The Federal Government determines IRA regulations and guidelines. IRA funds are insured to $250,000 by the NCUSIF.

Holiday Club

This is a great way to save money for holiday shopping or other expenses. This account can be opened at any time of the year and pays a variable, competitive dividend. Dividends are computed daily and paid quarterly. No monthly fee, and you can access the balance 24 hours a day with 24-hour phone teller or Internet teller. Funds will be transferred to your savings account on November 1st of each year, just in time for holiday shopping. The account will then remain open to receive future deposits, which can be made by direct deposit and payroll deduction. There is a $15.00 charge for early withdrawal. This account is insured to $250,000 by the NCUSIF.

Checking Products

Share Draft/Checking Account

Pay bills the easy way with a HealthONE FCU Share Draft Checking account. No monthly fee, no minimum balance requirement, unlimited check writing, and a free VISA Debit Card. Overdraft protection is available with approved credit. You can access your account 24/7 with telephone teller or Internet teller, and your first 50 checks are free.

VISA Debit Card

The VISA Debit Card gives you round-the clock access to your Share Draft checking account at ATMs. We offer up to five (5) free ATM transactions per month for HealthONE FCU cards. (A $1.00 fee per transaction is charged thereafter.)  This card is available to members who have a Share Draft Checking account. There is no annual fee. You can use it as a replacement to writing checks, wherever VISA is accepted. Because you use funds in your Share /Checking account, there are no finance charges for purchases made using the VISA Debit Card.

Back to Top

Privacy Statement | Contact & Locations