• Accounts

Savings Accounts

At Homeland FCU, you’re not just a customer, you’re an owner. Establish your membership with a minimum deposit of $5 into your new share account and start enjoying all the benefits your new credit union has to offer such as…

  • No monthly fees
  • Competitive rates
  • UChoose Reward Debit Cards!
  • Dividends paid quarterly on share accounts with an average daily balance of just $25.00
  • Online Banking
  • Express Teller (Telephone Banking) 504.596.6848
  • Access your account(s) though the Credit Union Service Center network wherever you see this symbol: Over 3,200 nationwide. Locate a service center near you by accessing CUServiceCenter.com.
  • Automated deposits through direct deposit or payroll deduction
  • FREE Credit Analysis
  • Personalized member service
  • Shares insured by the NCUA up to $250,000
  • And many more!

Checking (Share Draft) Accounts

COMPLETELY FREE CHECKING! That’s right… with your FEE-FREE share draft account, you can manage your money your way. Whether you prefer to write checks, swipe your Visa UChoose debit card, bank online or visit us at one of our 2 branches, our Completely Free Checking account takes the hassle out of trying to keep up with nominal service fees.

COMPLETELY FREE CHECKING conveniences include…

  • No minimum balance requirement
  • No service charges
  • No transaction fees
  • FREE Visa Uchoose Rewards Debit/ATM card – use your card to make quick debit or credit transactions or visit one of the Visa automated teller machines (ATMs) in more than 170 countries wherever you see these emblems:
  • Direct deposit
  • Payroll deduction
  • ACH withdrawals
  • Earn dividends on your average daily balance paid monthly
  • Home Financial Services (Online Banking)
  • Express Teller (Telephone Banking) 504.596.6848
  • Access your account(s) though the Credit Union Service Center network wherever you see this symbol: Over 3,200 nationwide. Locate a service center near you by accessing CUServiceCenter.com.
  • Deposits are insured by the NCUA up to $250,000 per account

Certificates of Deposit (CDs)

A share certificate guarantees you a higher yield than your average savings account. You can begin your investing with as little as $1,000 in a term as short as 6 months. Interest is compounded daily and applied monthly. Click here to view current rates.

Need access to your funds prior to maturity? Avoid paying early withdraw penalties! Instead, you have the option to use your certificate as collateral and borrow against it. For more details, please refer to our Share Secured loan.

Individual Retirement Accounts (IRAs)

You can start saving for college, retirement or a home with an IRA. We have many types of tax-advantage IRA savings available, including contributory, spousal and rollover. Plus, your IRA will work for you as it accrues dividends paid quarterly. Opening one is as easy as opening a share account.

The annual contribution limit for individuals under the age of 50 is $5,000. Individuals 50 and over should consult their tax advisor regarding the annual contribution limits. IRA benefits are paid anytime after the age of 59 1/2 but must start before 70 1/2, upon permanent disability or upon death (to named beneficiaries). You may elect to receive your benefits in a lump sum or scheduled intervals. Withdrawals made prior to age 59 1/2 may be subject to a tax penalty and/or federal income tax withholding.

(Christmas) Club Savings Accounts

Save your money your way! At Homeland Federal Credit Union, you have the option to open multiple club savings accounts to separately save your money for a specific occasion. Save for a vacation, wedding, or the holidays.

Your Club Account will earn dividends quarterly at a competitive rate. There are NO maintenance fees or deposit requirements. You may make deposits via payroll deduction, automatic transfer, by visiting one of our 2 branches, calling our Express Teller at 504.596.6848, or using Home Financial Services (Online Banking). Christmas Club funds are available for withdrawal October 1 – December 31; all other Club Account funds are accessible throughout the year.

*APR (Annual Percentage Rate). Actual rate may vary based on credit score, discounts and/or surcharges, loan term and loan to value. Term of loan may vary based on amount financed. All loan approvals are based on standard underwriting guidelines and/or automated credit-scoring benchmarks. Loan rates are subject to change without notice.