HCA Healthcare colleagues!

You and your family now have access to an all-new Credit Union benefit, offering the valuable products, services, and tools you need to enjoy a bright financial future — delivered by people who are committed to putting you first.

Maximize your membership* 
with these limited-time special offers:


Home Loans

Checkmark Earn $1,989 in cash rewardswith HomeAdvantage®

Checkmark0.125% off current BCU published rates1B

Checkmark Easy application process

Checkmark Explore additional rates and terms


Auto Loans

Checkmark Rates as low as 5.99%2

Checkmark Quick application process3

Checkmark Loan terms up to 84 months

Checkmark No payment for 90 days

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Student Loan Refinance

Checkmark No application, origination or pre-payment penalty fees

Checkmark Variable rates as low as 4.50% APR4A

Checkmark Fixed rates as low as 5.60% APR4B

Checkmark No interest and no payments for 3 months4C

Checkmark Flexible repayment terms of 5, 7, 10, 15 or (20 years for Advanced or Medical Degree)

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Special: 11-Month CD

Earn 3.25% when you open with a minimum balance of $500

A dedicated expert is here to help you get started. 

Phone line availability is 8 am through 6 pm CT.

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PowerPlus™ Checking

Checkmark Earn 4.00% APY on balances up to $15,0005A

Checkmark Unlimited monthly ATM fee refunds

Checkmark No minimum balance requirements or monthly maintenance fees

Checkmark Receive your payroll funds up to two days sooner with Enhanced Direct Deposit5B


Personal Loans

Checkmark Rates as low as 9.24% APR6

Checkmark No payment for the first 60 days

Checkmark Quick approval process

Checkmark No pre-payment penalty or origination fees

credit cards

Travel Rewards Visa ®

Checkmark 35,000 points when you spend $1,500 in the first 90 days for new card holders7

BCU Digital Banking App Image

Download the Digital Banking app today!

Access your money on your schedule. Make a transfer or deposit a check in a snap with Deposit Anywhere.

App Store® Google Play™

The Credit Union is here to help you make your money go further.

Choose your skill-building tool:


Goal Consultants

Get practical savings and credit score guidance from a certified expert.


Life. Money. You.® Portal

Take control with your personalized financial command center.


Free Credit Score

Monitor your credit report, credit score and security with this free service.


Well-Being Schedule

See the way forward with the Credit Union’s live learning events.

Frequently Asked Questions

  • What is BCU and how is it related to HCA Healthcare Credit Union?

    HCA Healthcare Credit Union is provided by BCU, a nationwide parent Credit Union. This relationship brings you an expansive array of products and services, as well as, nation-wide access. The names are interchangeable and refer to the same business entity. Two different names, but one collective financial cooperative behind the scenes working to help you achieve all your financial goals.

  • What makes HCA Healthcare Credit Union different than my bank?

    Unlike a bank, the HCA Healthcare Credit Union is a not-for-profit organization. As a member you are also an “owner,” not a customer, and you’ll typically enjoy better savings, loan rates and lower or no fees. Because we’re associated with HCA Healthcare, we know your needs and situations better than any other financial institution and provide customized solutions just for you and your family.

  • Who can join the Credit Union?

    As a colleague of HCA Healthcare or one of its affiliates, you and your immediate family are eligible to join, regardless of your financial standing or credit history. And once you’re a member, you’re a member for life. Immediate family is defined by: immediate or extended qualifying family of an existing member related by blood, marriage, fostering or adoption. Eligible family members include: spouses, parents, children, siblings, domestic partners, grandchildren, grandparents, aunts, uncles, nieces, nephews and cousins.

  • Is the Credit Union owned by HCA Healthcare?

    The Credit Union is proud to partner with HCA Healthcare to offer this colleague benefit at no cost to you. While we share a common interest in improving your financial well-being, we are a separate entity. HCA Healthcare, as your employer, can never access your account information. Your information is 100 percent confidential. No exceptions.

  • What services does HCA Healthcare Credit Union provide?

    We are a full-service financial institution. And because we’re not-for-profit, any money we make goes directly back to our members in the form of money-saving products and services. This includes hassle-free checking accounts that reimburse ATM fees and pay high interest, low-rate auto, student and home loans, credit cards with superior travel and cash rebate rewards and enhanced direct deposit (including getting your paycheck up to two days early)! HCA Healthcare Credit Union also provides educational tools and resources to help you grow financially at every stage of life.

  • How do I access my account?

    Part of looking out for our members is simply being there for them. Anytime, anywhere. Check balances, pay bills, pay a friend, deposit a check and more — made easy with a mobile app or digital banking. If you need personal help or advice via phone, the HCA Healthcare Credit Union is there 24/7 to help you out. Members have even more options with access to thousands of surcharge-free ATMs nationwide.

  • What does it cost to become a Credit Union member?

    The Credit Union is proud to partner with HCA Healthcare to offer this colleague benefit at no cost to you. In fact, once your membership application is approved, we’ll make a one-time $1.00 deposit to your Regular Savings account, making you both a member and part-owner of the Credit Union. You and your family can then start enjoying the rewards of membership right away!

  • Disclosure


    *To be eligible to join the Credit Union, an individual must submit a membership application in a Credit Union branch or online, in which they agree to conform to BCU’s bylaws and amendments and subscribe for at least one share ($1.00). The $1 in the Share-01 Regular Savings account required to open a membership will be deposited by the Credit Union on behalf of the member. The $1 balance must be maintained in the Share-01 Regular Savings account for the duration of the membership. A person seeking Credit Union membership must also meet at least one of the criteria found at www.BCU.org/Membership-Eligibility.

    **Offer available to new HCA Credit Union members, existing HCA Credit Union members and their family members, who fund the certificate with new money. This offer is limited to new money that has not previously on deposit with BCU in the past 90 days. The minimum balance required to open a Certificate Account and obtain the above promotional annual percentage yield (APY) is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings. Rates, terms and conditions are subject credit approval and may change at any time without notice.

    1Average cash rewards calculated based on 495 home closings with a real estate agent in the HomeAdvantage® network of approved agents between 1/1/2021 and 12/31/2021. HomeAdvantage® program is made available to you through a relationship between BCU and HomeAdvantage®. Program Cash Rewards are awarded by HomeAdvantage® to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage® program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage® at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage® is a registered trademark of HomeAdvantage®.


    1BTo be eligible for the corporate affinity pricing rate discount, you must be a current HCA Healthcare employee. You may need to provide proof of employment or affiliation. For first mortgage purchase and refinance transactions of a primary residence, the maximum corporate affinity pricing rate discount is 0.125% off current BCU published rates. Corporate affinity pricing rate discount and relationship pricing rate discount may be eligible to be combined. Corporate affinity pricing rate discount may not be combined with any Relocation Services program benefits, or any other home loan promotional offers. Certain mortgage types and/or terms may not be eligible for the stated rate discount. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.

    2APR is Annual Percentage Rate. Published rates are accurate as of 10/1/2023, and subject to change. Offer subject to credit approval. Rate applies to 2022 and newer vehicles with a loan term of up to 75 months (based on credit worthiness), up to 100% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed includes an additional 0.50% APR discount for buying through our Auto Buying Service. To receive this discount, an auto loan must be booked through BCU, and auto purchase must be made at a certified dealer through BCU’s Auto Buying Service purchasing process. The rate listed also assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 per month or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $25,000 with an APR of 5.99% and a term of 75 months would have a monthly payment of $402.41.

    3A credit report is required to complete your application. By submitting an application, you are voluntarily agreeing to a credit report inquiry. If you opt out of having your credit report pulled, your application will be withdrawn and your request for credit will not be reviewed.

    4ALoans are subject to approval. Rates, terms and conditions are subject to change without notice. Variable Rate is based on the Prime Rate as published in The Wall Street Journal “Market Data Center” Section (Index). Your rate will be calculated each quarter by adding a margin between -1.51% and +2.42% to the Prime Rate and is based on your credit profile. The rate will not increase more than once a quarter but there is no limit on the amount the rate could increase at one time. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan). The rate listed includes a 0.25% discount for enrollment in automatic recurring payments.

    4BFixed Rate will be set when the loan is conditionally approved and will not increase above that rate before the loan is paid in full. The Interest Rate is based upon your (or your cosigner’s, if applicable) credit history and the repayment term you select. The rate listed includes a 0.25% discount for enrollment in automatic recurring payments.

    4CTo qualify, the loan application must be started after 12/8/21 and before 9/30/22. Upon disbursement of the loan, no payments will be required and no interest will accrue during a three-month promotional period. After this three-month promotional period ends, this loan requires full payments of principal and interest. The repayment term of the loan will begin three months after disbursement, when the promotional period ends. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications.

    5ATo earn monthly dividends and unlimited reimbursements of other banks’ ATM surcharge fees, your account must meet these two monthly requirements: Monthly direct deposits totaling at least $500 into your PowerPlus Checking account and completion of at least fifteen (15) transactions that include any combination of the following: BCU Debit Card PIN, Debit Card signature, credit card purchases, Online Bill Pay or ACH payments, which apply toward the monthly requirements in the month they post to your account. Credit card transactions that post on the last day of the month will be applied toward the following month’s transaction total. Accounts not meeting all monthly requirements will not earn dividends and will not receive reimbursements of other banks’ ATM surcharge fees. Rates accurate as of 8/1/2023. The dividend rate and annual percentage yield (APY) may change at any time. Balances up to $15,000 will earn the stated higher rate and the portion of the balance over $15,000 will earn the stated lower rate. See rate sheet or website for current rates. There is no minimum balance required to earn dividends. Dividends are paid monthly and calculated based on the average daily balance method. PowerPlus Checking is available as a personal account only and is limited to one account per member. If you do not have sufficient available funds in your checking account to clear a presented item, funds may automatically transfer from your savings or money market share and may count towards withdrawal limitations for that savings or money market share (Electronic funds transfers from savings and money market shares, which include overdraft transfers are limited to six per month. Each electronic funds transfer in excess of six per month is subject to a $3 excessive withdrawal fee. See Service Charges and Fees Schedule in Consumer Member Service Agreement for further details. PowerPlus™ Checking is a trademark of BCU.

    5BEnhanced Direct Deposit allows you to receive payroll and other electronic deposits up to two days ahead of your scheduled payday. It’s important to note, funds are not AVAILABLE for you to spend until they are reflected in the AVAILABLE BALANCE. Please be sure to confirm available funds in your account before withdrawing against this deposit. While BCU will try wherever possible to advance payroll direct deposits by up to 2 days, availability of funds ahead of the original scheduled pay date is not guaranteed. You should not rely on Enhanced Direct Deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations.

    6APR is Annual Percentage Rate. APR is subject to change. The rate listed assumes an automatic payment method, a loan term up to 36 months and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500.00 or more into a credit union checking account; at least $25,000.00 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a posted transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. All rates are subject to credit verification and approval. The rate shown is the lowest available and your rate may be higher. An example of payment terms are as follows: an amount financed of $7,500.00 with an APR for 9.24% and a term of 60 months would have a monthly payment of $172.14.

    7Offer only available on new accounts, open on or after 4/1/22. You will receive 35,000 CURewards bonus points upon making purchases totaling at least $1,500 (exclusive of credits, returns and adjustments) that post to your account within 90 days of your account open date. Account must be in good standing to receive the bonus points. After qualifying, please allow 6-8 weeks for the rewards to post to your rewards balance.

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