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:


PowerPlus™ Checking

Checkmark Earn 8.00% APY on balances up to $15,0001A

Checkmark Up to $20/month in monthly ATM fee refunds

Checkmark No minimum balance requirements or monthly maintenance fees

Checkmark Receive your payroll funds up to two days sooner with Direct Deposit1B


Rainy Day Savings™

Checkmark Make an initial deposit of up to $50,0001

Checkmark Earn 2.00% APY on balances up to $25,000 with each monthly deposit of at least $252

Checkmark Earn 2.50% APY on balances above $25,000 and up to $50,000 with each monthly deposit of at least $252


18-Month CD Special

Checkmark Earn 4.75% APY3

Checkmark Only $500 minimum to open


Medical Professional Mortgage

Checkmark Up to 100% financing available4A and no mortgage insurance required4B

Checkmark Student loans may be excluded from your debt ratio4C

Checkmark $1000 off closing costs for a new, primary, first mortgage loan4D


Auto Loan

Checkmark Rates as low as 4.84% APR6A

Checkmark Quick application process6B

Checkmark Loan terms up to 84 months

Checkmark No payments for 90 days

Sam Edwards

Sam Edwards

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

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.

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

Choose your self-building tool:

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Goal Consultants

Get savings and credit score guidance from a certified expert.


Financial Learning Center

Take control with your personalized financial command center.

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Free Credit Score

Monitor your credit report, credit score and security with SavvyMoney®.


Well-Being Schedule

See the way forward with the Credit Union’s live learning events and On-Demand Webinars.

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


    1APowerPlus Checking 
    Effective 9/1/2024, the ATM fee reimbursement disclosure below will change. Level 1 ATM surcharge fees will be covered up to $10.00 per month and Level 2 ATM surcharge fees will be covered up to $20.00 per month. 

    Membership must be opened between 7/1/2024 and 12/31/2024 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 $5.00 per transaction, your account must meet all three of these requirements to qualify for Level 1 or Level 2. Please note, ATM surcharge fees are covered up to $5.00 per transaction, any remaining ATM surcharge fee over $5.00 will not be reimbursed. Effective 9/1/24, the reimbursement will change as noted above. Level 1 accounts will be covered up to $10.00 per month and Level 2 accounts will be covered up to $20.00 per month.

    To achieve Level 1, you must have monthly direct deposits totaling at least $1000 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 $3000 into your PowerPlus Checking account on an ongoing monthly basis, 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.

    Rates accurate as of 7/1/2024. 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 Charges and Fees Schedule in Consumer Member Service Agreement for further details. PowerPlus™ Checking is a trademark of BCU.

    1BEnhanced 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.

    2Rainy Day Savings is a tiered, dividend-bearing account based on qualifying activity and balance. To qualify for the stated APY, a deposit must be made monthly of at least $25.00. The specified Dividend Rate for each tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. During the first calendar month the account is opened only, a member may deposit up to $50,000.00. Deposits exceeding the first month maximum deposit will be transferred to the member’s Regular Savings account. Balances above $25,000.00 and up to $50,000 will earn a different rate as posted. Balances above $50,000 will earn a different rate as posted. For months in which the minimum deposit requirement is not fulfilled, the Regular savings rate will be paid. Rates are subject to change without notice. An allowance of four withdrawals are permitted each calendar year, any additional withdrawals will result in a $25 excessive withdrawal fee which may reduce earnings. Rainy Day Savings is available as a personal account only and limited to one account per member.

    3Promotional rate accurate as of 7/1/2024. Offer available to BCU members, who fund the 18-month certificate with new money. New money is defined as money not on deposit with BCU at or within 30 days prior to account opening. 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.

    4A100% 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%.

    4BIf the loan amount exceeds 80% of the value of the property, interest rates and APR may change.

    4CYou 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.

    4DTo 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.

    5ALoans 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.

    5BFixed 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.

    5CUpon 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.

    6AAPR is Annual Percentage Rate. Published rates are accurate as of 4/1/2023, and subject to change. Offer subject to credit approval. Rate applies to 2023 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 .75% 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 $1,000 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 4.39% and a term of 75 months would have a monthly payment of $383.10.

    6BA 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.

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