facebook
Personal Credit Union (PCU) login

Savings Accounts

Whether you are saving for an upcoming vacation or for your retirement, Heart of Lousiana Credit Union has the perfect savings account for you.

If you have any questions regarding the accounts below, please do not hesitate to call us at 800-264-4562. We're happy to help.


Share Accounts

When you become a Heart of Louisiana member, you automatically receive a Savings Account. This account holds your share in the ownership of the Credit Union with a $10 minimum deposit.

 


Money Market Share Accounts

This Share Account gives you more flexibility than a Share Certificate while still earning a higher interest rate.

  • Minimum deposit of $2,500 required
  • Additional deposits must be at least $100
  • Withdrawals limited to three (3) per month with at least two of them in amounts equal to or greater than $500
  • Dividends compound daily and are credited monthly
  • Competitive interest rates

 


Money Market Share Certificates

Money Market Share Certificates offer a better savings option over our basic Savings Account.

  • Terms vary from 3 – 60 months
  • Tiered rates available
  • Dividends are compounded monthly and are posted monthly or upon maturity
  • Interest can be applied to the Certificate, transferred to your Heart of Louisiana Credit Union Savings or Checking Account, paid at maturity or have a check mailed to you
  • $1,000 minimum balance required
  • Early withdrawal fees apply

Money Market Calculator

 


Payable on Death Accounts

Payable on Death accounts give you assurance that your loved ones will have permissions to access a special account after you’re deceased.

  • $2,500 minimum balance required
  • Unlimited deposits of at least $100
  • Interest is compounded on the daily balance and posts to the account at the end of each month
  • Withdrawals limited to three (3) per calendar year with at least two of them in amounts equal to or greater than $500
  • Competitive interest rates

 


Christmas Club Accounts

Never be caught empty-handed at Christmas again! Our Christmas Club accounts are easy to set up and are the best bet in town.

  • No minimum balance required
  • Competitive interest rates
  • Funds issued annually in October
  • Funds always available for immediate withdrawal by member**

**Special conditions may apply.


IRA Share Accounts

Individual Retirement Accounts are great tools that allow you to prepare for retirement, no matter what age you are. Our IRA Share Account allows you to hold your retirement funds in an IRA without locking them into an IRA share certificate for an extended period of time.

  • No service fees
  • No minimum balance required
  • Traditional IRA – allows you to put away money for your retirement but not pay taxes on your earnings until they are withdrawn.
    • Contribute up to $5,000 per year ($6,000 for those age 50 and older), depending on your earned income and tax filing status
    • Contributions may be tax-deductible
    • Early withdrawals can begin at 59 ½ years of age without penalty
    • Withdrawals are required at 70 ½ years of age
    • May withdraw penalty-free in certain circumstances
  • Roth IRA – allows you to pay the taxes on your retirement income now instead of later.
    • Contribute up to $5,000 per year ($6,000 for those age 50 and older), depending on your earned income and tax filing status
    • Early withdrawals can begin at 59 ½ years of age without penalty
    • Withdrawals are NOT required at age 70 ½ years of age
    • Competitive interest rates

IRA Calculators

For more retirement planning guidance, visit 'My Financial Network.'

 


IRA Share Certificates

IRA Share Certificates give you an added bonus while saving for retirement.

IRA Calculators

For more retirement planning guidance, visit 'My Financial Network.'