Special Accounts

We offer accounts that can be opened for a variety of special circumstances, including accounts held for minors and other beneficiaries, accounts for clubs, and holiday accounts.

These accounts have specific guidelines or requirements for opening and can be opened in any of our branches. It is helpful to bring the designated form below with you to a branch when opening any of these accounts.

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Account Overview Account Can Be Opened As Open an Account
Benefit Benefit accounts are accounts that are opened for one or more individuals who have suffered a hardship. Donations to the account can be made by individuals or organizations. Beneficiaries of the account must be within our field of membership.  Savings
Classic Checking
Tiered Money Market
Certificate Account
Complete our Master Membership Application - Special Accounts form to open an account.
Club Club accounts are for not-for-profit clubs and organizations whose entire membership is eligible for HVCU membership as individuals. Club accounts have their own member account numbers and are separate from those of any signatories on the account. Savings
Classic Checking
Tiered Money Market
Certificate Account
Complete our Master Membership Application - Special Accounts form to open an account.
Estate Estate accounts are established by an Executor or Administrator for the purpose of settling a decedent’s estate. Savings
Classic Checking
Tiered Money Market
Certificate Account
Complete our Master Membership Application - Special Accounts form to open an account.
Guardian/Conservator Guardian/Conservator accounts are established to protect individuals who are declared incapable by the court of handling their own affairs. The Conservatee must be within our field of membership, but the Guardian/Conservator does not need to be.  Savings
Classic Checking
Tiered Money Market
Certificate Account
Complete our Master Membership Application - Special Accounts form to open an account.
Infant Compromise Infant Compromise accounts are established with funds awarded to a minor in specific accordance with a court settlement. Funds become available to the minor upon their eighteenth birthday. Savings
Tiered Money Market
Certificate Account
Complete our Master Membership Application - Special Accounts form to open an account.
Representative Payee Representative Payee accounts are managed by a Social Security Administration appointed designee for the benefit of another person. Savings
Classic Checking
Tiered Money Market
Certificate Account
Complete our Master Membership Application - Special Accounts form to open an account.
Custodial Custodian accounts (under the Uniform Gift to Minors Act) are specialized accounts established for a child under the age of 18 or 21. The custodian manages the account until the beneficiary reaches the age of 18 or 21 and takes control. The minor must be within our field of membership, and once the account is opened, the beneficiary can’t be changed. Savings
Classic Checking
Tiered Money Market
Certificate Account
Complete our Master Membership - Custodial Account form to open a custodial account.
Living Trust A Living Trust is a legal instrument used to transfer assets to a trust that is managed by a Trustee while the owner of the assets is still living. It’s best to consult an attorney prior to setting up a Living Trust. Beneficiaries of the account must be within our field of membership. Savings
Holiday Club
Classic Checking
Tiered Money Market
Certificate Account
Complete our Living Trust Account Agreement and Certification of Trust form to open a living trust account.
Totten Trust A Totten Trust account allows the account owner to name a beneficiary(ies) to automatically receive the funds in the event of their passing. You may otherwise hear these accounts referenced as In-Trust-For or Payable-On-Death. You can name as many beneficiaries as you like, and these beneficiaries can be changed at any time. Dot Icon here Complete our Beneficiary Information for Totten Trust form to add or change beneficiary information for an non-IRA account.
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