NOTICE: HCCU ATM Removal

Horizon Community Credit Union’s mission is to help our members achieve financial success. Following this mission statement can sometimes require us to make difficult choices. One such choice is the decision to eliminate our Voyager Drive ATM machine. As of December 1, 2015, our ATM will be permanently out of service.

The decision was based on two major factors. First, new changes to ATM/Debit card regulations and EMV chip cards means that a significant investment would be required in order to keep the ATM machine in compliance with new standards. Second, analysis has show that traffic to our ATM has declined significantly as a result of other fee-free ATMs in our immediate neighborhood. After through analysis, HCCU did not feel that the volume of transactions warranted such an investment.

There are several alternatives available to help make the transition seamless. First, there are fee-free ATMs available at the I-43 Business Park Kwik Trip and Capital Credit Union both located on the corner of East Mason Street and Huron Road. Any member with an ATM or debit card issued by Horizon Community Credit Union is automatically a member of the ATM Alliance, a national network of ATMs that our members can use without incurring an ATM service charge. Members can locate a network ATM by visiting the webpage http://www.allianceone.coop/ . You can also download their mobile app at stage.allianceone.coop/mobile-app. As always, Horizon Community Credit Union will never charge a fee for ATM transactions, regardless of who owns or operates the machine. The only fees that our cardholders may be subject to are those charged by the ATM itself. If you use a machine whose owner charges you a fee, you are responsible for paying that fee. Second, there are two ways to avoid those surcharge fees. Platinum SunDrops members are eligible for up to $5 in ATM Surcharge Refunds per month at your request, and if you have a HCCU EcoChecking Account, you are eligible for up to $10 in ATM Surcharge Refunds per month. 

If you have any questions or comments relating to this decision or the fee-free ATM resources available to you, please contact a member of the Horizon Community Credit Union staff by any of the methods below.

Phone: 920-433-0122
Email: info@horizonccu.com
US Mail: 

Horizon Community Credit Union 

PO Box 670 

Green Bay, WI 54305-0670
Fax: 920-433-0165

Getting youth to start using their Financial Institution!

Setting up bank accounts for your children can be a grueling process. Do I have both my husband and I on the account, do I add any other family members as joint owners or beneficiaries, do I let the child have access to it… the list can go on and on. There are SO MANY decisions that come into play when opening an account, we here at HCCU understand that and are here to help!

Let’s take a look at an example, if we have children who are still very young and cannot yet make any financial decisions there are two different options here at HCCU: Youth Accounts or Custodial Accounts. A youth account allows the child to access the funds at any age, along with any other joint owner. A Custodial account has a joint owner who is in control of the account, and after the child turns 18, then the child gains access to the funds as well. Both are great options for all children, it just depends on how much access you want your child to have to the funds.

Now let’s take a look at a situation for older children. Many children when they are born or still very little have savings accounts opened up for them by parents or grandparents. When is the right time to open up a checking account? This seems like a big step in the financial world, but really it can be quite simple. Instead of simply letting the reigns go, and letting the kid or young adult have complete control over the money, sign on as a joint signer. There are many products we can introduce to your family such as debit cards, direct deposit, ATM usage, but with you as joint signer, you can still have some control!

There are many different options for youth and young adult accounts. It may involve making a few tough decisions, but remember we are always here to help! Come in during April, Credit Union Youth month, and open any of our great savings products and receive special month giveaways!

Image courtesy of David Castillo Dominici at FreeDigitalPhotos.net

Post by: Emily P.

Happy Holidays from HCCU!

We know the end of the year is a busy time for many of you.  Traveling, decorating, shopping for gifts, returning gifts, celebrating...  All that fun can get expensive, and we would never want you to be without access to your cash!  In order to help you plan ahead, our holiday hours will be:

Wednesday, December 24th    8:30 am -  12:00 pm
Thursday, December 25th       CLOSED
Friday, December 26th            8:30 am - 5:00 pm
Saturday, December 27th        9:00 am - 12:00 pm   Voyager Dr. location only
Monday, December 29th         8:30 am - 5:00 pm
Tuesday, December 30th         8:30 am - 5:00 pm
Wednesday, December 31st    8:30 am - 3:00 pm
Thursday, January 1st             CLOSED
Friday, January 2nd                 8:30 am - 5:00 pm
Saturday, January 3rd              9:00 am - 12:00 pm   Voyager Dr. location only

To access your account information, It'sMe247 Online Banking and CU*Talk Phone Banking are available anytime of the day or night - even on holidays!  For cash, our ATM at Voyager Dr. is available 24/7 every day, but if that's not convenient for you, you can also use any ATM Alliance Network terminal without incurring a surcharge!  For a map of fee-free ATMs near you, visit the  ATM Alliance Network page on our website.

HAPPY HOLIDAYS FROM HCCU!  

Save Money at the ATM!

We know you want to do some traveling this summer, and we don't want you to feel tied down by your credit union.  We've all been there...we know how frustrating it can be when you're away from home and you need to take money out of an ATM, but you know you'll be charged a fee for taking your own money.  Sometimes, financial institutions charge their customers a fee ON TOP of the ATM's fee!  So, that $20 you needed really cost you $25 in the end!  Outrageous, right?

We completely agree!  For starters, Horizon Community Credit Union will never charge you a fee for using someone else's ATM.  And we can even help you avoid being charged by the ATM itself!  HCCU is a member of several nationwide fee-free ATM networks, which allow you to withdraw money at non-HCCU ATMs without having to pay that pesky fee. You read right. You can use your ATM or debit card at participating terminals without paying a fee. Simply visit this website http://www.atmallianceone.org/AllianceOne/ for more information and for a listing of a fee-free ATM near you.

Post by: Katie B