Regular Savings Account
This account is your "key" to Credit Union Membership. A nominal deposit of $5.00 entitles you to all the benefits and services provided by NHCCU. Please "click here" for rates. In addition, our Regular Savings Account provides:

• Unlimited deposits and withdrawals, in person, by mail or by ATM
• Dividends calculated using the average daily balance method
• Transfers within your account using M.A.T.T. (Member Access Touchtone Teller).

Christmas Club Account
Prepare for the holidays by saving in a special fund regularly throughout the year. You'll earn regular savings rates...And in October, the balance is automatically transferred to your NHCCU checking or savings account, just in time for holiday shopping. Please "click here" for rates and early withdrawal penalties.

Vacation Club Account
Looking for the best way to save year-round for those vacations you so deserve? Look no further - NHCCU offers a vacation club service. Simply check the box entitled "Vacation Club" on your membership application and return it to us. We'll set up a separate savings account for you to help you save for that special trip. Withdrawals are permitted only once per calendar quarter. Please "click here" for rates and early withdrawal penalties.

Individual Retirement Accounts (IRA)
Saving for retirement is an excellent idea, even if you already have a pension plan. One of the best ways is with a NHCCU Traditional or Roth IRA-offering a high rate of return. IRA's are insured separately from your other NHCCU accounts and to least $250,000 by the National Credit Union Administration (NCUA).  Please "click here" for rates.

Term Certificates
Our Term Certificates provide an excellent investment with an exciting advantage-the opportunity to lock in a high rate with a minimum deposit of just $500 for regular certificates and $1,000 for IRA Certificates. Dividends are paid monthly on the average daily balance, and can either be added to your certificate balance, transferred to your savings or a check mailed to you. Terms range from 90 days to 5 years.  Please "click here" for rate and term information, along with penalties for early withdrawals. 

Money Market Account
Are you looking for a higher rate of return than a savings account, but would like to keep your money fairly liquid? Then a Money Market Savings Account is just right for you? Minimum balance requirement to earn a dividend is $2,500. Please "click here" for rates.

Checking Account
If your checking account still charges you monthly fees or requires a minimum balance, it's time to make the switch! NHCCU's checking is convenient, practical, and easy-to use.

• No monthly fees or service charges
• No per-check fees
• No minimum balance required
• ATM access at thousands of locations throughout the country
• ATM and Point of Sale Access
• Visa Check Card
• M.A.T.T. (Member access Touchtone Teller) 24 hour telephone audio response system
• Up to $2,500 of credit line of protection, credit application required.

Direct Deposit / Payroll Deduction
With Direct Deposit to your NHCCU account you don't have to worry that you'll lose a check or not make the deposit on time. Direct Deposit eliminates the paper hassle and funds are immediately available. You simply need to provide the credit unions Routing and Transit Number 211178103 along with your account number.

With Automatic Payroll Deduction, you decide how much money you'd like to set aside each pay period, and we'll assist in making it happen. The money will be deducted from your checking and deposited into the accounts of your choice.

Member Access Touchtone Teller: M.A.T.T.
NHCCU's free audio response service turns your phone into a 24-hour teller. Dial the exclusive number (203) 234-8879 and you have a direct line to your account information from anywhere across the United States. Using your pin, you can conduct many financial transactions through M.A.T.T.

Just follow these simple instructions:

1. Dial 203-234-8879.
2. Enter your account number, followed by the # sign.
3. Enter your PIN (last four digits of your social security #, or your own personalized number), then press the # sign.
4. Enter Transaction Code, then press the # sign.
5. Follow instructions for each step, remember the following:
a. When entering the dollar amount, include cents ($150.00 is entered as 15000, then # sign). Percent rates (9.5%) are entered as 950.
b. After each entry, press the # sign.
c. For a list of available suffixes press the * sign, 2 and the # sign.
d. To backup one step to previous question or entry, press * sign, then # sign.
e. To end the call press * sign, 3 and the # sign after each message until the audio teller says, "Thank you. Goodbye." At that point you will be disconnected.

Main Menu Options:

ATM (Automated Teller Machine) and Point of Sale Access
With your ATM card in hand, NHCCU is at your service 24 hours a day. Instant cash is available to you no matter if you use NHCCU owned ATM's or the thousands of ATM locations in the Plus, NYCE, and Sum Networks. You can access your cash surcharge free from an ATM that participates in the Sum Network. For a listing of credit unions participating in the Sum Network, follow the link from our home page.

Make purchases with your NHCCU ATM card at participating merchants with the NYCE network logo. You always have the convenience of cash with the card in your pocket. Your point of sale amount is automatically deducted from your checking account and will appear on your monthly statement.

You'll receive:

• Four free ATM withdrawal transactions at foreign machines each month*
• Free Point of Sale Transactions
• Secure for authorized users only with pin access.

*The institution that owns the ATM may impose surcharges

Visa Check Card
Get the convenience of paying by check without actually writing one. Use NHCCU'S Visa Check Card to make your purchases at any participating Visa merchant, offering the convenience of an ATM card and a checkbook. Just look how perfectly its suits your busy life..

• Use your Visa Check Card wherever Visa is accepted-at millions of stores, retailers and restaurants worldwide
• Eliminate the time consuming process of check writing
• The transactions is directly deducted from your checking account and will appear on your monthly NHCCU statement
• Taking the Visa Check Card is safer than carrying cash, and much less hassle than toting a checkbook
• Photo versions of the Visa Check Card are now available. Have the added security of your photo and signature printed right on the front of the card
• This easy, convenient service is available free to all NHCCU members who have a checking account.