A Hanin Federal Credit Union member must open a regular share (a.k.a. savings account) and maintains at least $10.00 in the account. Hanin FCU encourages its members to save regularly to build economic security for themselves and their families. A member can make unlimited number of deposits, withdrawals, and transfers to and from his or her regular share account. Dividends are accrued daily at an annual rate of 0.25% and paid quarterly.

Hanin FCU is a federally insured credit union, which offers a safe place to save a member’s money, with deposits insured up to at least $250,000 per individual depositor. The National Credit Union Administration (NCUA) us the independent agency that administers the National Credit Union Share Insurance Fund (NCUSIF). Like the FDIC’s Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government. The National Credit Union Share Insurance Fund of the National Credit Union Administration (NCUA) insures regular share and other deposit accounts up to at least $250,000.

Hanin FCU provides personal and business share draft accounts (a.k.a. checking accounts) without any monthly service charges. Share draft accounts have no minimum deposit amount so that a member can maintain a share draft account with a minimum deposit of $0.01.

There are no limitations in the number of draft and ACH items, and there are no per item fees, except fees for rejected or returned items and other services requested by a member. A monthly statement is provided via mail at no costs.

A variety of terms are available with a minimum deposit of $1,000. Several dividend payment options are available. Early withdrawal penalty is the dividend accrued for the last 90 days.

The National Credit Union Share Insurance Fund of the National Credit Union Administration (NCUA) insures regular share and other deposit accounts up to at least $250,000.

A variety of target amounts are available with a minimum of $1,000. Terms are from 1 year to 5 years. Hanin FCU offers competitive dividend rates for installment savings accounts.

Hanin FCU offers consumer automobile loans at competitive rates directly or through local auto dealers and brokers. Hanin’s automobile loans are available for foreign students and workers with proper documentation.

Hanin FCU offers a cashier’s check (a.k.a. official check) to members at a fee.

Hanin FCU offers domestic and international wire transfer service at a fee.

Hanin FCU offers an ATM and debit card to the member who uses a share draft account without a monthly service charge.

Hanin FCU offers an online banking service to the member who uses a share draft account without a monthly service charge. The online banking service includes free bill pay service.