Hattiesburg-Laurel Federal Credit Union offers its members the lowest possible fees and pays interest monthly on checking accounts.

Benefits of Hattiesburg-Laurel Checking accounts:

• Interest is paid monthly on checking accounts whose balances do not fall below $500 during the month.
• There are no "per checks" transaction Fees. Write as many checks as you wish.
• We provide a monthly statement listing of all checks written.
• Apply for a free ATM/DEBIT Card.
• We offer overdraft protection, either from your share account or an overdraft line of credit (up to $500.00 on credit approval) or both.
• We provide free Notary Public Services to our members.
• Our ATM/Debit card is set up on CU-24 so our members can use their card at any Credit Union ATM that displays the CU-24 logo with no transaction fees.
• Our share draft accounts have free access to Internet Banking where you can check balances, transfer between accounts, make loan payment, apply for loans on line, request checks.
• ATM services nationwide via:

  1. Visa
  2. Cirrus
  3. Pulse
  4. CU-24
  5. Members Exchange
     

HLFCU offers a wide range of share certificates. Certificates terms are six months, one year, eighteen months and thirty-six months. Rates vary based on length of term. All HLFCU certificates of deposit require a minimum deposit of $500.00. Early withdrawal penalties apply. Penalty assessment amounts vary depending on term of certificate.

H-L Federal Credit Union offers the following types of loans to its members:

• New Automobiles
• Used Automobiles
• Signature Loans
• New and used Boats, Motors and Trailers
• New and Used Motorcycles
• Lawn and Garden Equipment
• New and Used Motor Homes
• New and Used Recreational Vehicles
• Share & Certificate secured loans
• Christmas Loans
• Consolidation Loans
  

View up-to-date information on our current rates page.

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When you maintain a savings account at H-LFCU, you enjoy high rates, security on your investment and more. For the widest array of investment objectives, H-LFCU has designed savings options to fit your needs. Many options offer higher rates than those at comparable financial institutions.

Regular Share Savings
A minimum of one share ($25.00) is required to open a share savings account and maintain membership in H-LFCU. To earn dividends, a balance of $100.00 or greater must be maintained. Dividends are compounded Quarterly and paid Quarterly.

Share Certificates
H-LFCU offers a wide range of share certificates. Terms are six months, one year, eighteen months and thirty-six months. Rates vary as to term. Any certificate requires a minimum deposit of $500.00. Early withdrawal penalties are accessed with amounts depending on term of certificate.

IRA Certificates
H-LFCU offers fully qualified IRA certificates to its members. Please inquire by writing for a complete description as to terms and conditions.

Christmas Club Accounts
Member Christmas Club accounts are available that draw interest during the term of deposit. No withdrawals are allowed during the term (November to November) without the account being closed. Interest is paid quarterly and compounded quarterly.

All of the above savings accounts are federally insured up to $100,000 by the National Credit Union Administration (NCUA), an agency of the United States Government.

• ATM Services nationwide via Visa, Cirrus, Pulse, CU-24 and Members Exchange
• 24-hour account access to your account via e-Branch Internet banking service. Up to date account histories, Loan Balances, check clearings, saving and loan rates, transfer of funds between accounts, loan due dates and interest paid to date and more. e-Branch is accessed over the Internet from anywhere in the nation, 24-hours a day
• 24-Hour Loan processing over e-Branch All applications will be processed within 24 hours or sooner. (except on weekends, will be processed the next business day)
  
  

HLFCU offers fully-qualified IRA certificates to it's members. Please inquire by writing for a complete description of IRA terms and conditions.

View up-to-date information on our current rates page on e-branch.

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• Account Balance Information
• Loan Balance Information
• Checks Paid
• Interest/Dividends Paid on your account
• Interest Paid on Loans
• Account to Account Transfers
• Loan to Account Transfers
• Cross Member Transfers
• Authorize a check to be mailed our picked up
• Make loan payments
• Receive savings rate quotations and current loan rates
• Run a loan amortization inquiry

To access this service requires you to fill out an application for E-Branch service.
You will then be assigned a login and temporary password. Once you have established your e-branch service your account will be available to you 24 hours a day. A major benefit of e-branch is that it allows you to transfer funds to your checking or savings accounts, which can then be, accessed either by writing a check or withdrawal from any ATM nationwide.

• Payroll Deduction
• Direct Deposit
• Auto Pricing
• Notary Republic
• Life & Cancer Insurance
• Cashier Drafts
• Night Depository
• Audio voice response system
  

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