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Insurance Services:
Auto
Home
FREE Accidental Death & Dismemberment
Credit Life
Extended Warranty
GAP
Financial Planning & Investments:
VALIC

Financial Counseling:
GreenPath financial wellness
BudgetSmart
CheckRight

Smart Option Student Loan by Sallie Mae®
Identity Theft
FREE Credit Report
Phishing
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National Car Rental or Alamo

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

NationalCarRental Alamo

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

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Invest in America
InvestInAmerica

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.

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LoveMyCreditUnion.org
LoveMyCreditUnion

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!

DirectTV
Save $160 during your
first year with DIRECTV!

Over 1.99 million members have taken advantage of Invest in America Discounts!
Explore discount
GM
Save on Vehicles!
Save thousands on select GM vehicles!

Over 477,000 vehicles have been sold through Invest in America!
Explore discount
Sprint
Talk about savings!
Say hello to the Sprint credit union member discount!

Save on phones, plans, fees and more!
Explore discount
Credit Union Auto Club
Roadside assistance protection
at a great value for you and your family!

Explore discount
TurboTax
Save on Tax Services!
Save on your taxes with Invest in America!

Explore discount
Allied
Save with Allied!
Receive over a 60% Discount on Interstate Moves!

Explore discount
ShopAmerica
Save with Shop America!
Receive cash back from over 1,200 online retailers!

Explore discount
ADT
Get Peace of Mind with the
ADT Credit Union Member Plan

Explore discount

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

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Insurance
Auto | Home | Accidental Death & Dismemberment | Credit Life | Extended Warranty | GAP

Auto Insurance

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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Home Insurance

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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Accidental Death & Dismemberment Insurance

As a Health Center Credit Union Member, you qualify for $2,000 of Coverage at NO COST TO YOU!

If you are an active member of HCCU, and you are at least 18 years old, you may take advantage of $2,000* of Basic Accidental Death and Dismemberment (AD&D) Coverage, AT NO COST TO YOU -- Health Center Credit Union pays the premium. The plan offers full 24-hour protection against a covered accidental injury anywhere in the world, on or off the job, on business, on vacation and at home.

You may also purchase additional coverage which, in addition to accidental death and dismemberment, includes the following benefits: Anti-Inflation; Common Carrier; Education; Accident Hospital Indemnity; Dependent Child Care; Adaptive Home and Vehicle; Disappearance and Exposure; and Spouse Education. The additional coverage monthly rates are $1.00 per $10,000 for individual and $1.50 per $10,000 for family coverage.

Premiums for any additional coverage you select will be billed quarterly on or around the third business day of March, June, September, and December.

Activate your $2,000 of credit union-paid coverage by clicking here today!

*All benefits reduce by 50% at age 70.

Accidental Death & Dismemberment Insurance
Underwritten by Minnesota Life Insurance Company
Sponsored By Health Center Credit Union
Presented and Administered by Affinion Benefits Group, LLC
PO Box 41087
Nashville, TN 37204
1-877-309-6576 – Phone
A01679-0513

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Credit Life Insurance


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


Young 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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Extended Warranty - Full Open Enrollment!

VisionWarranty

In addition to offering new, used, and refinanced auto loans, we also offer Extended Vehicle Service Contracts through Vision Warranty Corporation for your auto, truck, or van. Get peace of mind and protection against expensive, unexpected automotive repair costs when you purchase an Extended Vehicle Service Contract.

Buy an Extended Vehicle Service Contract for less than the cost at most dealerships and enjoy:

  • Coverage of most major components in the event of a breakdown
  • No-hassle Direct Payment: no reimbursement forms
  • A one-time premium that may be financed along with your vehicle

Put the brakes on expensive car repairs. A factory warranty may not be enough. Most major repairs occur after the manufacturer's warranty expires. Consider adding an extended vehicle service contract to your loan. Coverage obtained through the Credit Union may save you money when compared to dealer plans.

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
Extended Warranty

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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GAP

GAP is Peace of Mind!

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





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

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Financial Planning & Investments

ValicEasy

What's available to you...


Financial Planning:
  • Education finding
  • Estate Planning
  • Individual Retirement Accounts (IRAs)
  • Brokerage and cash management services
  • Mutual funds
  • Annuities
  • Asset management

 


Retirement Planning:
  • Retirement needs analysis
  • Risk management in retirement
  • Retirement distribution planning
  • Retirement income options

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.

Valic Eric ValicRoss ValicTom
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 | Possible Loss of Principal

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Financial Counseling
GreenPath financial wellness | BudgetSmart | CheckRight
Green Path Financial Wellness

As a benefit of your membership, HCCU offers you free access to money management and financial education services.

HCCU has teamed up with GreenPath, a financial education and counseling organization with comprehensive education and exceptional service. GreenPath has been assisting individuals since 1961, and has the goal of helping you achieve your financial goals and begin enjoying a better quality of life.

A caring GreenPath advisor will take time to understand your financial situation, explore your debt repayment options, and work with you to develop a customized action plan for getting out of debt. They will provide you with helpful tools and resources, and will be there to support you every step of the way.

 As a member of our credit union, with GreenPath, you have free access to money management and financial education services. 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

GreenPath 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 a GreenPath financial counselor toll-free at 1-877-337-3399, or online at www.greenpath.com.

Free Benefits for HCCU Members:

Toll-Free Information Line
Contact the GreenPath 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 GreenPath program provides credit report reviews to assist you in understanding your personal credit report and credit score. GreenPath 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 GreenPath for a nominal fee (state restrictions may apply.)

Housing Counseling
As a HUD-approved housing counseling organization, GreenPath 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, a GreenPath 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.

GreenPath 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.

GreenPath Newsletter
Pathways - GreenPath's Monthly Personal Finance Newsletter offers information regarding topics such as saving on a tight budget, unlocking secrets to your credit score, etc.

Debt Management Plan (DMP)
Working with you, a GreenPath 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.
*Some fees apply for the DMP service.

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BudgetSmart

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!

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CheckRight

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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The Smart Option Student Loan by Sallie Mae®
For borrowers attending degree-granting institutions

Now you can pay for college the smart way with three great repayment options and competitive interest rates! The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:
  • A choice of competitive fixed and variable interest rates providing even more choice and flexibility
  • No origination fees and no prepayment penalty
  • Borrow up to 100% of school certified education costs (minimum $1,000)
  • Multiple in-school repayment options available
  • Borrower benefits available – like rewards and interest rate reductions
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • Get a quick credit result by applying online. It’s quick, easy, and only takes about 15 minutes to apply.
  • 24/7 online account management
To learn more or to apply, please get started here.

* HCCU is compensated by Sallie Mae for the referral of Smart Option Student Loan customers.

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Identity Theft

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.

ID_Theft

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FREE Credit Report

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.
Credit Report Logos

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Phishing

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:

Phishing
  • 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.

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