Locations: GHSU Harper St. (Main Office across from the Children's Medical Center) GHSU Hospital (at entrance to Terrace Dining Room) Evans (Washington Road) Trinity Hospital (Lobby) You may also use any SRP Federal Credit Union ATM at no charge. Please note HCCU will not impose a fee for any out of network ATM transactions, however, you will be responsible for the fees posted on an out-of-network ATM, payable to the other institution. Back To Top

Apply today for the HCCU Visa Check Card to make everyday purchasing easy! The card works as an ATM card, but offers added convenience of being able to use it virtually anywhere. Purchases are deducted from your checking account and receipts are given by the vendor for easy record keeping.

Your monthly checking statement lists every transaction, or you can view your transactions 24 hours a day via Online Banking. Please allow 2-3 days for the transaction to post to your account.

Your HCCU Check Card may be used with no service charges at any HCCU or SRP Federal Credit Union ATM. If you use an out-of-network ATM, HCCU will not charge you a service fee, but you will be responsible for the fees posted on the ATM.

Other benefits include: Maximum protection. If your card is lost or stolen, Visa's zero liability policy protects you from paying for unauthorized purchases. Those with joint checking accounts can each have an HCCU Visa Check Card accessing that account. The money is deducted from your checking account within 2-3 business days. Perfect for traveling! Visa is accepted worldwide. Use your card to make purchases in other countries safely and easily.

Point of Sales (POS) fee of .50 cents will be charged if you select "debit" and enter your PIN at a merchant terminal. No fee will be charged if you select "credit" and sign for the purchase. The credit option provides our members with the charge back rights available through VISA. This fee does not apply to ATM withdrawals or E-Checking Accounts.

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Mistakes happen. If you overdraw your account, we can help. Apply for an overdraft line of credit and avoid non-sufficient funds fees. Otherwise, for a small fee HCCU will automatically transfer funds from your savings to cover the expense.

For a copy of the fee schedule or to apply for an overdraft line of credit, please see a credit union representative.

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Overdraft Privilege helps protect you against having your items returned in the event of an inadvertent overdraft of your account by giving you a reserve for emergencies or unexpected situations. There is no fee for having this privilege on your account; you are only charged if you overdraw your account. You do not have Overdraft Privilege on your account until you receive written confirmation from us that it has been added to your account.

Here is how Overdraft Privilege works for you. Overdraft Privilege is not a line of credit. However, if you overdraw your account, we have the discretion to pay the overdraft, subject to the limit of your Overdraft Privilege.

For example, suppose you do not have Overdraft Privilege and your account balance is $50. If you have a debit item for $100, HCCU will charge your account a fee (currently $35) for having an item with insufficient funds, and will then return the item if adequate funds aren’t available. In most cases, the establishment where you made the transaction will require you to pay for the item and will normally charge you a fee (usually around $30-$40) for writing an NSF item. This means that you have now incurred two fees ($35 at HCCU and $30 at the merchant) for an item that wasn’t even paid!

However, if you had $500 of Overdraft Privilege, here is how the situation typically would have worked. When the item arrived at HCCU, we would pay the item and charge you the $35 fee for an overdraft transaction. The total charge to you would have been $35 compared to $35 PLUS $30 in merchant fees if you had not had Overdraft Privilege. Additionally, you avoid being added to any bad check lists on the check approval networks or with the merchant.

When you use your Overdraft Privilege you must remember to subtract the overdraft fee from your account balance. In the example above you would have subtracted $135 from your account: $100 (the amount of the check) plus $35 (the amount of the overdraft fee). Any additional items that come in while your account has a negative balance will also be charged the NSF fee of $35 per item. It is important to record these fees. The next deposit that you make will bring your balance to the amount of the deposit minus the amount you were overdrawn (including any overdraft fees).

ATM machine receipts, and other ways in which you can get available balance information, will show only your ledger balance without the Overdraft Privilege included. However, you will be able to withdraw funds from the ATM and have transactions approved for ATM and debit card transactions, even though it will overdraw your account if you have given us prior consent. You must opt in to payment of overdrafts on these items on your consumer account. You will be charged the overdraft fee of $35 associated with these transactions.

Member FDIC/NCUA

Understanding Uncollected Funds

• If you deposit to your account and are informed that a HOLD will be placed on some of the funds deposited, those funds are NOT available for you to withdraw until the date indicated on your notice.


• If an item is presented against held funds and you have Overdraft Privilege on your account, you will be charged a negative funds fee of $35 to pay the item even though you have a positive ledger balance in your account.


• For example: You have $100 in your checking account and deposit a $700 check on which we place a $500 hold ($200 is available to you immediately) for 5 days. Although you have a ledger balance of $800, only $300 is “available” for checks or other debits to be paid.


• If you have a $500 Overdraft Privilege in the example above, you have available to you $800 to pay debit items. However, you will be charged a $35 fee for any debits paid against your account in excess of the $300 shown above as “available”.

Points to Remember about Overdraft Privilege

• Every debit item on an overdrawn account will be charged an OD fee of $35.


• You must promptly repay the amount of the overdraft and any overdraft fees.
  


• Your Overdraft Privilege will not be included as part of your available balance at an ATM


• You must bring your account to a positive balance within 35 days or the Overdraft Privilege will be removed from your account.


• You do not have Overdraft Privilege until you receive a letter telling you that it has been put on your account.
  


• You must opt in to payment of overdrafts for ATM and everyday debit card transactions.

Overdraft Privilege Terms and Conditions

You must maintain your account in good standing, which includes at least:

• Continuing to make regular deposits to your account within each thirty-five (35) day period,
  


• Bringing your account balance to a positive balance within each thirty-five (35) day period;
  


• You are not in default on any loan or other obligation to HCCU; and
  


• You are not subject to any legal or administrative order or levy against your account with us.

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Having your check deposited directly into your account prevents loss or theft of checks in the mail or otherwise. It also saves you a trip to the credit union every pay day to access your funds. Have treasury checks, retirement checks and tax refunds directly deposited to maximize your convenience.

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Have a designated portion of your paycheck automatically transferred into your account. Set amounts can be allocated to one or several accounts. This is a convenient way to save or make monthly payments to a loan.

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Money orders provide a safe way to make payments or move larger amounts of cash for those who do not have share draft accounts. You can purchase money orders for up to $1,000. The cost of a money order is $2.00 ($1.00 for Gold Members). Back To Top

A cashier's check is issued for any amount guaranteed by the credit union. The cost of a Cashier's Check is $2.00.

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Safe deposit boxes are available at our Harper St. branch. They provide a means for members to secure valuables or family heirlooms against fire, theft, or damage. A $10.00 key deposit is charged with each rental, and yearly fees for each box size are listed below. Size Yearly Fee 3" x 5" $15.00 3" x 10" $25.00 5" x 10" $35.00 10" x 10" $60.00 Back To Top

Notary services are available at our Harper St. and Evans branches to certify signatures and other documents.

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Don't wait in line at the Post Office, come to the Credit Union for stamps, no surcharge. Back To Top

Online Banking
Manage your account any where, any time you want with Online Banking. It's free to all members!

• Account information available 24/7
• Check balances
• Allows transfers
• Check Inquires
• Copies of cleared drafts/checks
• Account History
• Find Year to Date information

Bill Pay
Pay all your bills in just a matter of minutes with Bill Pay!!

Schedule repeat payments, or make a one-time payment from your checking account. With Bill Pay, you can pay as many bills as you like with no monthly fees.

• Pay a single bill to an individual or company
• Pay recurring bills that never vary in amount without having to even sign on to your computer. Schedule your payment for a specific date monthly - biweekly - semi monthly or quarterly for up to a year in advance.
• View your payment history

e-Statements
Save time and money with e-Statements!

• Enjoy convenient access to your statement directly from your home computer. No more waiting for it to come in the mail.
• Cut down on the clutter of paper statements taking up room in the file cabinet or on the counter.
• Save money! e-Statements are FREE, and avoid the $2.00 paper-statement fee.

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Our Evans office location, 4339 Washington Road, is open Saturdays from 9:00 AM - 1:00 PM.

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Our 24 Hour Night Depository allows you to make after hours deposits at the following locations:

• Main Office (Harper Street)
• Evans (Washington Road)

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Please see below for a convenient list of phone numbers to assist you with your banking needs 24 hours a day.

• To access your account information and process transactions.
  Local: 706-434-0092
  Long Distance 1-877-369-HCCU (4228)
  
  
• VISA Customer Service
  1-866-422-8616 or
  click here for online access
  
  
• Lost Visa Card 1-866-422-8616
  
  
• Lost Visa Debit/Check Card 1-800-472-3272
  

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Note: Ticket prices are valid as of March 13, 2012 and are subject to change without notice.
*Seasonal tickets are sold during the Summer months only.

*Discounts Provided by 3rd party companies and are subject to change at any time without notice.

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Enjoy Great Savings at National Car Rental^® or Alamo^®. Receive 25% off your rental and additional coupons!

*Discounts Provided by 3rd party companies and are subject to change at any time without notice.

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Health Center Credit Union is pleased to announce that they are participating in the Invest in America program with Chrysler and GM. HCCU Members are now offered discounts at GM and Chrysler. For more details and to take advantage of this great offer, please visit www.lovemycreditunion.org. Back To Top

LoveMyCreditUnion.org offers members a wide variety of discounts on purchases you make every day. Please see below for a list of highlights and visit LoveMyCreditUnion.org for more savings!

Save $160 during your first year with DIRECTV! Over 1.99 million members have taken advantage of Invest in America Discounts! Explore discount	Save on Vehicles! Save thousands on select GM vehicles! Over 477,000 vehicles have been sold through Invest in America! Explore discount
Save on Wireless! Save 10% - 15%on your monthly Sprint bill and many other products from Sprint! Credit Union members have saved over $151 million with Sprint! Explore discount	Save with Dell! Save up to 30% on Dell products! Explore discount
Save on Tax Services! Save on your taxes with Invest in America! Explore discount	Save with Allied! Receive over a 60% Discount on Interstate Moves! Explore discount
Save with Shop America! Receive cash back from over 1,200 online retailers! Explore discount	Credit Union Members Receive a $15 discount on Flowers and Gifts! Explore discount

*Discounts Provided by 3rd party companies and are subject to change at any time without notice.

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TruStage™ Auto Insurance Program

You trust your credit union to offer products and services to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Auto Insurance Program.

Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service.

If you haven't compared auto insurance lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149.

TruStage™ Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

MAH-1112-AD42

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TruStage™ Home Insurance Program

You trust your credit union to offer products and services to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Home Insurance Program.

Working with carefully selected insurance partners, the TruStage Home Insurance Program can provide discounted rates for credit union members. You'll get quality coverage for your home: liability, personal possessions and additional living expenses. You'll also get the convenience of online servicing and 24/7 claims service.

If you haven't compared home insurance lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149.

TruStage™ Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

MAH-1112-35F0

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Payment Protection is a SMART CHOICE for YOU and YOUR FAMILY.

If you are like most consumers, you probably shop around for the best value and avoid unnecessary expenses. So if you’re borrowing money, the last thing you want is to pay extra each month for credit insurance, right? Think again. Credit insurance purchased through your financial institution is an affordable way to get protection from financial uncertainties should you become unable to repay your loan. If you plan to borrow money, ask yourself the following questions about your need for Payment Protection: If you became unable to make your loan payments, would your spouse be able to do so without compromising your family’s lifestyle? Which monthly obligation would be easier to meet: $370 when you’re healthy and working, or $345 (i.e., the cost of the payment without coverage) if you became unable to work? Do you have adequate savings and/or insurance to cover current obligations such as mortgage payments or education expenses in the event of your death?

The last question is critical – 67% of workers in the private sector have no long-term disability income insurance.1 The experts are not in agreement about how much life insurance is enough; it’s difficult to apply a rule-of-thumb because the amount of life insurance you need depends on factors such as your other sources of income, how many dependents you have, your debts and your lifestyle. Remember that the sole purpose of life insurance is to replace your income in case you die, so that your family can maintain their current lifestyle. Be Smart - Talk to your financial representative today about how you can protect your family! 1) Bureau of Labor Statistics, 2012 Payment Protection is credit insurance and is underwritten and administered by Transamerica Life Insurance Company (Home Office – Cedar Rapids, IA), Monumental Life Insurance Company (Home Office – Cedar Rapids, IA) or in the state of Kentucky, by Investors Heritage Life Insurance Company in (Home Office – Frankfort, KY). Not for use in New York. Exclusions, limitations and terms of availability apply to this coverage. For cost and complete details, contact your loan officer.

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Available Features Include: Low deductibles - options of $0, $50, $100 or $200 available Coverage for vehicles up to 11 years old with up to 150,000 miles on the odometer Bumper-to-Bumper Exclusionary Coverage on vehicles up 11 years old and with less than 100,000 miles Toll Free Roadside Assistance Toll Free Claims phone number Trip Interruption Coverage Increased vehicle resale value Repair work may be performed by a dealership, franchise repair facility, or an independent repair shop Claims are paid directly via credit card Service contracts are valid in the U.S. and Canada

Why purchase an extended service contract?
Did you know that 81% of credit union members who purchase a service contract will have at least one mechanical breakdown? Extended coverage can help you save money if your car ever needs to be repaired and your manufacturer's warranty has expired. In addition, it could help if you re-sell your vehicle. Pre-owned car buyers look more favorable upon a vehicle that comes with coverage. It represents a vehicle that has likely been well maintained by its owner. Should the buyer of the vehicle decline the option to transfer your coverage, you can cancel and apply for a pro-rated refund.

How do you get an extended service contract?
Contact your credit union loan representative or call Auto Exam toll free at (800) 709-5792 or visit www.autoexam.com for more information on the Vision Warranty Program provided by Auto Exam.

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Your NEW car becomes a USED car as soon as you drive it off the lot! If the value of your car is less than the balance of your auto loan, you’re “upside down,” and there is a gap that isn’t covered by standard auto insurance. This difference requires a special type of protection called GAP coverage.

If your vehicle is ever totaled or stolen, your primary insurance will usually pay only the current market value of your vehicle, less your deductible. If the actual cash value is less than your current loan amount, the result could be a financial gap where you must pay the difference between your loan balance and your insurance settlement. This could mean thousands of dollars out of your pocket.

Do you need GAP protection?
A car starts depreciating as soon as you buy it, but never more than when you drive it off the lot – turning it from a “new” car to “used” car. To estimate the anticipated depreciation and the potential GAP risk, please contact your credit union representative and ask to receive a GAP Risk Illustration through the VisualGAP system. Amount

How GAP Coverage works: Amount you owe on your auto loan: $20,000 Your car’s “actual cash value” at the time of loss: $15,000 What insurance company pays after deductible: $14,500 GAP helps waive: $5,500 Back To Top

*Discounts Provided by 3rd party companies and are subject to change at any time without notice.

HCCU has entered into an agreement with VALIC to make additional investment products available to you. VALIC has a wide range of products and services which complement our certificate of deposits including mutual finds, annuities, and brokerage services just to name a few.

If you are interested in learning more about these products or scheduling a personal retirement or financial planning session VALIC has three financial advisors in Augusta who are ready to meet at a location that is convenient for you including your home, your office, or a credit union branch office.

Eric Swierski	Ross Douglas	Tom Burckhalter

To contact any of our VALIC representatives please contact 706-722-4600, or contact any of our branches at 706-434-1600 for more information on Investment and Planning Options.

Securities and investment advisory services are offered by VALIC Financial Advisors, Inc., member FINRA, SIPC and an SEC-registered investment advisor. VALIC represents The Variable Annuity Life Insurance Company and its subsidiaries, VALIC Financial Advisors, Inc. and VALIC Retirement Services Company. Copyright © The Variable Annuity Life Insurance Company. All rights reserved. VC 22765 (11/2012) J88922 EE

Not NCUA/NCUSIF-Insured | May Lose Value | No Credit union Guarantee | Not a Deposit | Not Insured by Any Federal Government Agency

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As a benefit of your membership, HCCU offers you free access to money management and financial education services. HCCU has teamed up with Accel, a financial education and counseling program. Through comprehensive education and exceptional service, this organization has been assisting individuals for more than 45 years.

Through our partnership with Accel, enjoy unlimited access to financial counselors without paying anything – it’s free!

 As a member of our credit union, you can receive assistance with:

• Personal and family budgeting
• Understanding your credit report and how to improve your score
• Money Management
• Debt Repayment
• Avoiding Bankruptcy, foreclosure and repossession
• Student Loan Debt

Accel can give personalized answers to your individualized needs. Ranging from a proactive savings plan to saving a home from foreclosure advice is only a phone call away!

If you would like additional information on this service, contact an Accel financial counselor toll-free at:

Free Benefits for HCCU Members

Toll-Free Information Line
Contact the Accel program for immediate help with any financial question. Financial counselors are available six days a week. No appointment is necessary.

Financial Counseling Sessions
Unlimited Counseling sessions are focused entirely on your concerns and needs. You are not limited in the number of sessions and your counselor will help you develop a customized budget and a detailed action plan based on your financial goals.

Credit Report Review
The Accel program provides credit report reviews to assist you in understanding your personal credit report and credit score. Accel financial counselors will help you resolve inaccurate information, understand how bureaus report information and how to become more credit worthy. Additionally, you can get a copy of your personal credit report from Accel for a nominal fee (state restrictions may apply.)

Debt Management Plan (DMP)
Working with you, an Accel financial counselor will contact your creditors to negotiate concessions and/or work out loan payment agreements. Typically, credit card companies will agree to lower interest, eliminate fees, and cease collection activity.

Housing Counseling
As a HUD-approved housing counseling organization, Accel financial counselors can help you with pre-purchase education, reverse mortgage counseling, or foreclosure prevention issues. Whether you have questions about the home-buying process or how to manage a budget once you get into your home, an Accel counselor can assist you.

Student Loan Debt Counseling
Student debt continues to rise at an alarming rate. Over 37 million Americans currently owe on student debt, and 34% of those individuals are over age 40. Student debt has exceeded credit card and auto loan debt and a third of students are leaving school with 20-year payment plans.

Accel financial counselors can help assess your income and expenses, find places to save, and plan a lifestyle you can afford. If you have student loan debt, we will help you explore repayment options and see if you qualify for any federal repayment programs. We will also help you understand the pros and cons of each available option so that you are making an informed decision.

Web Videos
The web video series targets the entire financial life cycle and the situations that can impact your finances during each one of them. The helpful advice is relevant to everybody — youth, those in their middle years, and those planning for retirement.

Each program focuses on what you can do to implement your own sound financial management plan. Because money management is a life-long activity, good habits in handling our finances can't start too early. Nor can they ever end, regardless of our age.

As you look over our video offerings, choose the topics that interest you in whatever order you wish. Banking Is features young people and their experiences with personal finance. Life is What Happens While You're Making Plans provides insights into balancing issues like making a living, starting a family, and dealing with major life changes. Planning for the New Future looks at the problems and opportunities of retiring or planning for retirement. The on-line video magazine, Fast Forward on Finances, presents more in-depth information on a number of specific topics.

Accel Newsletter
Click here to view informative Accel newsletters regarding topics such as saving on a tight budget, unlocking secrets to your credit score, etc.

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BudgetSmart – BudgetSmart is a new and exciting software program now available on our website. This easy-to-use software tool uses simple graphics, "pop-up" boxes and bar charts to help you manage your money more effectively.

You can use the program to: Establish a budget  Track spending  View tips for improving areas of overspending or inadequate saving  Experiment with "what if" scenarios to determine how a major purchase or change in income impacts your budget Click on the budget smart logo or  click here to download the program to your computer FREE of charge, and you're on your way to creating your own personalized budget! Back To Counseling

CheckRight is a web-based checking account management education module designed to teach you how to manage a checking account.

Use CheckRight if: you are looking to open a checking account for the first time. you have had difficulty handling an account in the past. Among other things, CheckRight will help you learn how to: open an account write checks make deposits maintain a check register reconcile an account create a spending plan CheckRight is a self-study program that allows you to learn at your own pace. Once you have read through the chapters, you will be directed to a quiz that will test your knowledge on checking accounts. You will be able to view the results and you have the option to send the results to the credit union via e-mail. Please visit http://www.checkright.org.

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Identity theft is the fastest growing crime in America. And, despite your best efforts to protect your personal information, there's no perfect defense. If you do fall prey to identity theft, time and expertise are of the essence—thieves count on a victim's slow response. Understandably, most identity theft victims feel helpless, angry and overwhelmed when they first learn that their lives and livelihood are under attack. They have no idea how to resolve their situation or where to turn for guidance. If You're A Victim. . . Contact us immediately at any of our branches to report any fraudulent charges. Stay Educated. . . The best defense against identity theft is awareness. Please see below for some additional resources to help you protect yourself and your family.

Get your free annual credit report!

As of June 1, 2005, Georgia consumers may request a free copy of their credit reports. The three nationwide consumer reporting companies have set up one central website through which you can order a free annual credit report. You can also request a report by phone or by mail. You may order from each of the three nationwide consumer reporting companies at the same time, or from only one or two. The law allows you to order one free copy of your credit report every 12 months from each of the nationwide consumer reporting companies: Equifax, Experian and TransUnion.

Click here to get your free annual credit report.

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Don't Get Lured In by Phishing Scamsters! If you receive an e-mail such as this, please do not respond. Hundreds of consumers have found themselves the victims of an e-mail scam known as "phishing." It involves high-tech fraudsters who pretend to be a legitimate financial institution or credit card company. Hiding behind the anonymity of the Internet, the fraudsters send out "official-looking" e-mails designed to trick consumers into divulging financial and personal information such as account numbers, passwords, user names, Social Security Numbers, and other sensitive data. In most cases, the e-mail claims there is an account problem or warns of a possible account fraud threat. Either way—the whole idea is to convince the consumer there is an immediate need to update their financial information. If you receive an e-mail from HCCU requesting financial information or any other personal or sensitive data:

Do not reply to the e-mail or respond by clicking on a link within the e-mail message. HCCU will never ask you to provide any kind of confidential or financial details via an e-mail request. Treat the e-mail with suspicion. Contact HCCU as soon as possible to report the suspicious e-mail. Back To Top

Pay The Easy Way with your Visa Check Card and the "Credit" option! Pay the easy way at many grocery stores, gas stations, convenience stores and discount stores. No more running out of checks, showing identification and wasting time writing your checks. Your Visa® Check Card looks like a credit card and acts like a check. With one swipe of your card, your money will be automatically deducted from your HCCU checking account. The Best Way To Pay the Easy Way Even though you're not using a credit card, press "credit" when making purchases! Here's why: Funds are still deducted from your checking account. You won't have to enter your PIN in public. Charge-back protection with "credit" makes it easier to get refunds on previously purchased items. You'll receive maximum purchase protection against fraud.

It's safe, convenient, quick and easy! What could be better? Call the credit union today to sign up for your free Visa Check Card today! Only use "Debit" if you need cash back at the register. Most merchants set up their machines to ask for your PIN. Simply press cancel or follow the instructions on the machine to process the item as a "Credit" transaction. A fee will be charged of .50 for each transaction processed as a PIN "Debit" transaction at the merchant. This fee does not apply to ATM withdrawals. Back To Top

*Important Reminder - While Health Center Credit Union takes great care to protect each member's personal information and keep it secure, each member is responsible for securing his or her Credit Union information on their personal computer.

• Choose passwords that are easy to remember
• Change passwords periodically.
• Never share your password or PIN.
• Credit Union employees do not need to know a member's password or PIN to provide assistance.
• Turn off your computer's auto-complete and password auto-save features to prevent someone else's instant access to personal information.

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