PRODUCTS

A Credit Union Exclusive - You pay no monthly or quarterly service charges on credit union accounts.  All share (savings) accounts are insured to $100,000 by the National Credit Union Administration (NCUA).  Direct Deposit is available for all share (savings) accounts, and share draft (checking)  accounts.

DECU Visa Credit Card is now available!  Simply click HERE for more information!!!

Share/Savings Accounts

Interest is paid daily (from time of deposit until time of withdrawal) and compounded quarterly.  These accounts may be opened with a 50 cent membership fee and a $5.00 deposit.

Share Certificate Accounts

Earn quarterly dividends at a higher rate if held to maturity.  Minimum deposits required (90-day dividend penalty for early withdrawal).

Share Draft/Checking Accounts

No minimum balance is required, but interest is paid daily (from time of deposit until time of withdrawal) on a balance of $250.00 or more, and compounded monthly.  First 50 share drafts (checks) are free.  No monthly service charges.

Instant Cash/Check Cards

Available to eligible members, daily dollar limits will apply with appropriate fees.

To report lost or stolen cash cards or cash/check cards, call 1-800-535-8440.

Christmas Club

The easiest way to save for the holidays.  No minimum, daily dividends.  The funds are transferred to your checking or savings account the first week in October each year.  Withdrawals are not allowed.

Vacation Club

A club account, paying dividends especially designed for your relaxation.  Designed for the get-away vacation you are planning.  Withdrawals may be made twice a year.

"S" Special Account

Designed for the member wishing to save for a special need.  One withdrawal per month only.  Dividends paid daily.

Home Loans now Available  

*    1st Mortgages - DECU has partnered with Central States to offer Mortgage Loans in the event the loan exceeds credit union policies. 

GAP Insurance  

Most cars depreciate by thousands of dollars as soon as they are purchased.  And if your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared a total loss, you will still be liable to pay the difference:  the "gap" between the insurance settlement and your loan balance.  

Guaranteed Asset Protection (GAP) is coverage that pays the difference between your primary insurer's settlement and the loan balance on items directly related to the purchase of the vehicle.  MEMBER'S CHOICE GAP is low-cost coverage for a potentially high cost expense.  

Ask your loan officer about GAP coverage today!

E-Statements are Available to all HFS Members!  

If you are currently signed up to use our Online Credit Union and want to opt out of paper statements, go to the HFS site and sign up for e-Statements.  If you are not currently signed up to use our Online Credit Union, click on the link above for Online Credit Union and sign up - or contact a Member Service Representative for their help!

Business Loans and Services - A new service available to our members.  

DECU has partnered with Newtek.  If you have been thinking about starting your own business and would like details on available financing and business services through your credit union, please visit the Newtek site for more information.  For information on business loans, please press HERE.  For information on setting up electronic payments for your business through Newtek, press HERE.  

DECU Visa Credit Card is now available!  Simply click HERE for more information!!!

ATM Locator now Available!  Check out the ATM Locator for information on locations of the nearest ATM's anywhere in the United States.

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