Skip navigation links
Routing Number: 322079502

Hometown Hero Checking Account

hometoen hero

Who’s Eligible?

University Credit Union is rewarding Hometown Heroes who put their lives on the line every day to help our university communities. Hometown Heroes are anyone eligible to join UCU who belong to one of the following special categories:

  • Police
  • Firefighters
  • Hospital Staff
  • EMTs
  • Paramedics
  • Military (Active Duty)
Heroes will need to provide a current ID card or badge to verify eligibility.

 Checking Account 1

  • No monthly service fee with direct deposit
  • No minimum balance required
  • FREE fee forgiveness refund*
  • FREE box of basic checks
  • FREE corporate checks and money orders
  • FREE temporary checks
  • FREE notary services
  • FREE replacement cards
  • FREE debit card issued instantly in a branch
  • FREE access to 30,000 surcharge-free CO-OP ATMs
  • FREE Bill Pay
  • FREE Mobile Deposit and Mobile App**
  • FREE Shared Branching access to close to 6,000 Kiosks and branches
1 Loan requires badge or ID and direct deposit into an active Hometown Hero checking account. Savings account required with a minimum deposit of $5 *One single fee can be refunded per month. Must submit form to request refund within 30 days of statement. Fee Forgiveness is activated for new Hometown Hero accounts 90 days after the account is opened and eligible for refunds on fees that post after the first 90 days. **Cellular service carrier data charges may apply.

Auto Loan 2

  • Refinance your current auto loan and get a 0.25% rate discount.
  • New and Used auto loans get a 0.25% rate discount.
2  Loan requires badge or ID and direct deposit into an active Hometown Hero checking account. Rate discount cannot be used in conjunction with other discount programs. Discounted rate is subject to applicable floor rate. Subject to credit qualification.

Equipment Loan 3

No credit qualifying $2,500 equipment loan for 24-months.

3  Loan requires badge or ID and direct deposit into an active Hometown Hero checking account. 24-month term with a rate of 6.99% APR. Estimated monthly payment is $111.92 for $2,500 borrowed. Maximum loan of $2,500. Maximum one equipment loan at a time. No credit qualifying, however credit may be pulled to determine ability to pay. Members in active bankruptcy are ineligible. Rates and terms subject to change.

MasterCard® Credit Card 4

Open a new MasterCard® credit card and receive 10,000 reward points after $1,000 in charges within the first three months.

4  10,000 points will be added to the member’s account after 90 days and $1,000 in purchases, excluding balance transfers and cash advances. Subject to credit qualification. Rates based on the Index, which is the Prime Rate as regularly published in the “Money Rates Table” of the Wall Street Journal. The current index for this quarter is 3.50%. Rate is subject to change quarterly. Maximum rate is 18.00%.

Refer a Hometown Hero 5

If you refer another Hometown Hero for a checking account you both get $25!

5  Referral must include opening a Hometown Hero checking account with direct deposit.


All loans subject to approval. All rates quoted as Annual Percentage Rates (APR). UCU has a loan program featuring a range of interest rates for some of its consumer loans. Actual rate is determined by a combination of credit, income, and loan to value (LTV) factors . All consumer loans rates listed, except MasterCard, include a discount for automatic payment. If automatic payment is not used, 0.50% will be added to the loan rate. Secured loans must meet collateral conditions and (LTV) requirements. All lines of credit will have periodic credit reviews and the credit limit may be changed at any time. Credit score model Fair Isaac Company (FICO). Rates are subject to change at any time. Other restrictions may apply. Contact UCU for details on all loans.