Welcome,

HCA Healthcare Residents

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 special offers:

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PowerPlus™ Checking

Checkmark Maximize your earning power with up to 8.00% APY and up to $20/month in ATM fee refunds1

Checkmark Plus get your paycheck up to two days early with Direct Deposit. 1A

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Medical Professional Mortgage

Checkmark Up to 100% financing available2A and no mortgage insurance required2B

Checkmark Student loans may be excluded from your debt ratio2C

Checkmark $1000 off closing costs for a new, primary, first mortgage loan2D

credit cards

Cash Rewards Visa®

Checkmark Earn 4.75% APY3

Checkmark Only $500 minimum to open


Here Today For Your Tomorrow

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Free Credit Report

lead icon Check your score anytime, anywhere, for free

lead icon Monitor your credit report and security with real-time updates

lead icon Get tips to improve your score and personalized savings offers

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Life. Money. You.®

lead icon See where your financial health stands with the two-minute Financial Checkup

lead icon Receive practical savings and credit score guidance from certified financial coaches

lead icon Achieve your financial goals with MoneyTracks™, an app designed to help you build better money habits

Sam Edwards

Sam Edwards

847-932-8032
Sam.Edwards@BCU.org
Schedule an Appointment


Sam, a Certified Credit Union Financial Counselor, joined the Credit Union in 2019 as a Branch Manager in Greensboro, NC. With over a decade in the financial services industry, both in large and small financial institutions, he has a strong passion for helping members succeed. Sam is dedicated to continuously providing guidance to members, no matter where their life takes them.

Katlyn Stafford

Katlyn Stafford

847-932-8003
Katlyn.Stafford@BCU.org
Schedule an Appointment


Katlyn is a working mother who has dedicated her time to helping people succeed, not only financially, but personally as well. Katlyn is passionate about developing authentic relationships with members and their families and providing extraordinary service experiences. Outside work, Katlyn is busy chasing her toddler around, committed to having a good time, and always ready to try a new hobby.


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

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    Membership must be opened between 7/1/2024 and 12/31/2025 to receive this promotional offer. The 3-month introductory period begins the month the membership is opened and ends on the last calendar day of the 4th month. During the 3-month introductory period Level 1 will earn 4.00% APY and Level 2 will earn 8.00% APY. After the 3-month introductory period, 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. The member account must meet all requirements to achieve either Level 1 or Level 2 for all three months to be eligible to receive the respective higher APY. To earn monthly dividends and reimbursements of other banks’ ATM surcharge fees up to $20.00 per month, your account must meet all three of these requirements to qualify for Level 1 or Level 2. Please note, Level 1 ATM surcharge fees are covered up to $10.00 per month and Level 2 ATM surcharge fees are covered up to $20.00 per month. To achieve Level 1, you must have monthly direct deposits totaling at least $1,000 into your PowerPlus Checking account on an ongoing monthly basis, enrollment in eStatements and completion of at least fifteen (15) qualified transactions.  To achieve Level 2, you must have direct deposits totaling at least $3,000 into your PowerPlus Checking account on an ongoing monthly bases, enrollment in eStatements and completion of at least thirty (30) qualified transactions. Qualified transactions include any combination of the following: BCU Debit Card PIN, Debit Card Signature, credit card purchases, Online Bill Pay or ACH payments, which will 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 and will not be eligible for the increased APY offer during the introductory period. Rate accurate as of 3/1/2025. 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. Fees may reduce earnings. PowerPlus Checking is available as a personal account only and is limited to one account per member. When Opted In, 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 Charge and Fee Schedule in Consumer Member Service Agreement for further details. PowerPlus™ Checking is a trademark of BCU.

     

    1A 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 Direct Deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations.



    2A 100% financing available on purchase transactions of a single family detached, primary residence; a maximum loan amount of $1,089,300 for credit scores up to 700 or maximum loan amount of $726,200 for credit scores up to 680; and a maximum debt-to-income ratio of 43%.


    2B If the loan amount exceeds 80% of the value of the property, interest rates and APR may change.


    2C You may exclude student loan payments from the total monthly debt obligation if the following conditions are met: 1) Payments will be deferred for at least 12 months after the application date and/or the borrower’s medical residency will continue at least 6 months after the closing date. 2) The borrower responsible for the debt is in one of the following professions: Medical Doctor, Medical Resident, Doctor of Osteopathic Medicine, Doctor of Dental Surgery, Doctor of Dental Medicine, Doctor of Optometry, Doctor of Pharmacy, Physician Assistant, or Nurse Practitioner. Maximum debt-to-income requirement may vary between 43% to 45% based on qualifying factors, such as loan purpose, property type, loan-to-value, loan amount, and credit score.


    2D To be eligible for the corporate mortgage benefit program (CMBP) closing cost discount, you must be a current employee at a participating BCU company partner. You may need to provide proof of employment or affiliation. For first mortgage purchase and refinance transactions of a primary residence, the maximum CMBP closing cost discount is $1000. CMBP closing cost discount and relationship pricing rate discount may be eligible to be combined. CMBP closing cost discount may not be combined with any Relocation Services program benefits, the Buy Now, Refi Later offer, or any other home loan promotional offers. Certain mortgage types and/or terms may not be eligible for the closing cost 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.


    Offer only available on new accounts. You will receive $200 cash bonus after making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the cash bonus. After qualifying, the cash bonus will post to your rebate balance within one billing cycle.


    You will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

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