Account Disclosures

The following disclosures explain the terms and conditions associated with your HVCU accounts. You received these agreements upon opening your accounts with the credit union, but current copies are provided here for easy reference.

• Membership Agreement and Disclosures - 1/26: Includes the Membership and Account Agreement, Funds Availability Policy Disclosure, Truth-in-Savings Disclosure (TIS), Electronic Fund Transfers Agreement & Disclosure (EFT), and Privacy Disclosure
• Fee Schedule
• Account Rates

Credit Card Disclosures & Pricing Information

Disclosures & Pricing for Cards Currently Issued

• Variable Rate Credit Card Agreement and Truth in Lending Disclosure - Visa Platinum, Visa Platinum Rewards, Visa Signature, and Visa Platinum Cash Rewards
• Disclosure Information for Visa Signature, Visa Platinum,  Visa Platinum Rewards,  & Visa Platinum Cash Rewards