Account Disclosures

The following disclosures explain the terms and conditions associated with your HVCU accounts. You received these agreements upon opening your accounts with the credit union, but current copies are provided here for easy reference.

Truth in Savings Disclosure & Account Agreement

• Truth in Savings Disclosure & Account Agreement
• Truth in Savings Disclosure & Account Agreement 12-Month Flex Certificate Account Addendum - 9/1/24
• Truth in Savings Disclosure & Account Agreement Checking Account Bonus Addendum - 3/3/25
• Fee Schedule
• Account Rates

Electronic Fund Transfers Disclosure & Agreement

• Electronic Fund Transfers Disclosure & Agreement
• Electronic Fund Transfers Disclosure & Agreement Addendum - 10/24

Credit Card Disclosures & Pricing Information

Disclosures & Pricing for Cards Currently Issued

• Variable Rate Credit Card Agreement and Truth in Lending Disclosure - Visa Platinum, Visa Platinum Rewards, Visa Signature, and Visa Platinum Cash Rewards
• Disclosure Information for Visa Signature, Visa Platinum,  Visa Platinum Rewards,  & Visa Platinum Cash Rewards