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**Bless All Who Enter**
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# SERVICES
We pay very competitive dividends on all your share accounts so that you can build your nest egg quickly . You can access your account online or with the VISA Check (debit) Card. This is considered your primary "share" account in the Credit Union and there must be a minimum balance requirement of $5.00. To see the last dividend rate paid, click here.
## Savings
This account allows you to save for Christmas. It works just like a savings account but with no minimum balance. There is a $5 fee for every withdrawal from the Christmas Club Account. Very competitive dividend rates are paid on this account. Funds will be transferred to your regular savings account at the beginning of November of each year. Come next November you will be very happy you signed up! Call us and we can set you up for automatic transfer of funds to this account. That will make savings easy and by next Christmas you will have a very helpful nest-egg.
In the spirit of the 2022 holidays, HRCU will deposit a gift of $10 into newly opened Christmas Club accounts. In order to qualify for this one-time gift, sign up between 10/1/22 and 12/31/22 and automate your deposits. Your $10 gift will be deposited in January 2023.
Call or visit Video Banking to open your account today and set up an automated deposit!
# **Let us help you FILL your PIGGY!**
# **Regular Savings or Shares**
# **Christmas Club**
# **Special Savings Account**
Club accounts allow you to save for other special events like vacations, taxes or a rainy day. It works just like a savings account with no minimum balance. Competitive dividend rates are paid on these accounts as well. Just give us a call to talk about how to set up your special purpose savings account.
Grow your savings at Holy Rosary! Saving money is easier than you think. The trick is making it a routine part of your life. We want to help! We can make the transfer to savings automatically. Just complete the form and we'll do the rest. Sit back and watch your savings grow!
At Holy Rosary Credit Union we have a variety of accounts for you to save and protect your hard earned money. Your deposits are now fully insured up to at least $250,000 by the NCUA and backed by the full faith and credit of the U.S. Government.
# **Build YOUR nest egg by saving at your Credit Union!**
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# **Lost or Stolen Debit and Credit Cards: 888.241.2510, International: 909.941.1398**
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# **Routing Number: 301080936**
# **HRCU Toll Free Number 844.456.3211**
## Savings &
## Certificate Rates
# **Rates Savings &CD Accounts as of March31, 2024**
APY=Annual Percentage Yield and assumes dividends/ or interest are reinvested and the rate continues for a year.  The APY for savings accounts is variable and may change after the account is opened.  Minimum balance to open a Savings Account is $5.00.  Rates are subject to change without notice after the account is opened.
Open an
Account NOW!
HRCU's Youth Savings Accounts provide a safe place for money from allowances, gifts and part-time jobs. This growth-focused youth savings account is designed to provide young savers aged 17 and under with a safe and rewarding place to begin their financial journey!
* Interest paid on balances
* No monthly maintenance fee.
* No minimum balance requirement.
* Only $5 minimum to open savings account.
## Youth Savings
As your child gets more mature about money matters, he or she can take advantage of other HRCU offerings:
* Teens 13 and older can open Youth Checking Accounts\*
* Teens 13 and older can get free Visa® debit card with chip technology for security\*
* Parent can access account via online or mobile banking.
  \*A parent or guardian must sign on the account also
# **Youth Savings Account**
# **Teen Checking Account**
# **Free Chore App**
In addition to our Youth Accounts, we are proud to bring financial education to our community by partnering with , a premium financial literacy program with the ultimate Chore and Allowance App to teach kids healthy money habits in a fun, exciting way.
Start teaching your kids about healthy money habits in a cashless world!
* Fun financial literacy curriculum
* Gamified experience
* Meets national standards
Show us each time you complete 30 daily quiz questions on the , and we'll deposit $5 in your Holy Rosary Youth Account!\*
Download the free app to get started and use invite code HolyRosaryCU (scan QR code below)! For more information and great resources, head to My First Nest Egg's HRCU .
\*Membership and active Youth Account with Holy Rosary Credit Union required. Reward subject to change at any time.
Kids grow up fast, and they have a lot to learn. One important lesson is how to handle money responsibly. We're happy to provide resources they need with our youth savings account, teen checking account and My First Nest Egg App.
# **Help Your Kids Build a Solid Financial Foundation!**
To open an account, click the Video Banking icon or visit a branch today!
## Save the Change
Saving just got a whole lot easier! When you enroll in our Save the Change program, we'll round up your debit card purchases to the nearest dollar and transfer the extra change to your savings account! It's a simple, easy way to start saving money.
All the change quickly adds up. Say you spend $3.38 on a coffee every morning before work. We round that purchase up to $4.00, which means $0.62 gets deposited into your savings account. If you get coffee five days a week, that's $3.10 a week added to your savings. Add that up for the whole year, and your coffee purchases alone are giving your savings account $161.20.
Save the Change is a great, low-effort way to save up for holiday purchases, for a down payment on a house, or to help pay down debt. In this high-tech world of plastic cards, we don't often come home with change in our pocket to drop in a jar. Save the Change is a modern version of an time-honored tradition and will help you fill up your "jar" without a single thought. To sign up, fill out , call 816.221.2734, or stop by a branch.
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# **Save the Change**
**Every Penny Counts!**
## Wealth Builders CD
# **Call Video Banking now to learn more!**
And that is why we offer our Wealth Builders CD. Start your CD with a deposit as low as $50, and set up periodic automatic transfers to help your wealth grow. With a Wealth Builders CD, you'll see a higher rate of return than with a normal savings account. Call video banking to learn more.
# **We believe that all of our members can build wealth...**
## Mobile App
Holy Rosary Credit Union is happy to provide banking convenience with a mobile app that puts the tools you need right at your fingertips. Our mobile banking app is available for both Apple® or Android™, and allows you to utilize all the tools of our  (make loan payments, transfer money between accounts and other financial institutions, etc.) with the added capability of depositing checks remotely! Watch the video below to learn more and then download the app today at the Apple App or Google Play stores!
# **Mobile Banking App**
**Download the Mobile App**
If you have any questions regarding our Mobile App, check out our .
If you have questions regarding the Mobile App's Check Deposit feature, click .
Terms and Conditions
## Video Banking
# **Video Banking**
Don't have time to make it into a branch? Our live tellers can help you via video chat from the convenience of your own home, car or anywhere you are! Apply for loans, new accounts, sign forms and do many of the other things you would normally do in person, directly from your mobile device or desktop. You can even use Video Banking for your Business Account! See you soon!
If you have more questions, click  for our full FAQ!
## MORE QUESTIONS?
Simply click the Video Banking icon from anywhere on our website to get started, or download the app from the links below.
## Online Banking
# **ONLINE BILL PAY**
**.** You can access your account any time of the day or night with e-Branch.
# Online banking puts **YOU** in control
# **E-STATEMENTS**
Online bill pay means more freedom, control, savings and security. Now it's easy to pay a friend, take care of a utility bill and keep track of every payment. You'll save on stamps, checks and have increased safety and security.
Switching to e-statements is easy, economic, and environmentally-friendly! Access your statement online at anytime. Not having to mail out statements saves the Credit Union money that would have been used for postage and printing. This means better dividends and lower interest rates for you! By accessing your statements online, you are also eliminating paper waste!
If this is the first time you logged into the new online banking since the computer conversion, you may use your core account number (do not add the zeros at the end). Your first time password will be the last 4 of your SSN. When you log in the first time, you will be required to change your login and password. At that time, your login must be at least seven characters long. Remember your login because your account number will no longer work as a login after the first use.
# **Why use online banking?**
**From your computer, you can:**
* Transfer money between your Holy Rosary accounts
* Make balance inquiries on your savings, checking, or loans
* Reconcile your accounts
* Place stop pay
* Order checks
* Complete a loan application
* Review account histories and recent transactions
* Make payments on your Holy Rosary loans
* Use **FREE** online bill pay, or have a check sent to you at your home address
# **Need to know: First-Time Online Banking Users**
# **Multi-Factor Authentication**
Holy Rosary Credit Union enhances Online Banking security for its members with "Multi-Factor Authentication" (MFA). This feature allows users to receive a six-character security code via text/SMS or phone call to access their Online Banking account when they are logging in from a computer or phone that isn't normally used to access their account. This speeds up the authentication process and keeps a high level of security on our members' accounts. Any fraudulent attempts to access your account will be reported to you through phone call or text.
Please udate your profile within Online Banking to include your home, work, and cell phone numbers for use with the MFA feature.
# **Online Banking...at Your Fingertips**
Utilize Online Banking from wherever you are, using our . Click to learn more!
## Other Services
**Free Notary Services,****Money Orders,****Cashier's Checks,****Wire Transfers,****Debt Consolidation Loans,****Access to MasterCard/ VISA Card Cash Advances,****Directo a Mexico Transfers,****Fed Global ACH transfers to Central and Latin America,****Certificates of Deposit,****Online Check and Statement Copies**
# **Other Services Holy Rosary****provides include:**
# **Do you have questions about any of these services? Feel free to give us a call at 816.221.2734 or send us a message below. We are happy to help!**
# WELLNESS
**Introducing BUSINESS BUILDERS** from Holy Rosary Credit Union. Receive a free and confidential personal coaching session with a Business Coach. This is a private, one-on-one session with a business entreprenuer who is committed to helping your business thrive. Just click on this link and complete the sign-up form.  Your personal coach will reach out to you to schedule a time to meet. Whether you are just starting or several years down the small business road, Holy Rosary Credit Union is here to help!
# Other Resources to Help you Grow!
If you still have questions, click on the video banking link or send an email question below.
Send a Question
* How to Make a Business Plan
* Technical Assistance Partners
BUSINESS RESOURCES
Small Business Workshops with Tools for Success
Business Builders to Help Your Business Flourish
Want to start a small business or grow the one you have, but not sure how to do this?  Come to one of our **FREE** workshops.  Lunch is even included.   We hold these at the main branch and in St. Joseph.  Click on the links below to learn more and get RSVP instructions.