HCA Healthcare colleagues!

You Belong Where Banking is Better

At HCA Healthcare Credit Union you’ll find lower rates, fewer fees (and no fees when possible), greater rewards and more innovative products and services than other financial institutions.

Join the Credit Union with PowerPlus Checking using promo code HCA50. Then deposit $25 by July 31, 2023 and we'll reward you with a $50 deposit!1

Ready to get started? Click the button or call 800-388-7000 between 8 a.m. and 6 p.m. Central Time.

 level 2  level 1

New Member Offer
Earn up to 8.00% APY for 3 months.*

on balances up to $15,000

New Member Offer
Earn up to 4.00% APY for 3 months.*

on balances up to $15,000


4% APY*

on balances up to $15,000

2% APY*

on balances up to $15,000

0.01% APY

on balances over $15,000

0.01% APY

on balances over $15,000

Up to $20 per month

in ATM fee refunds*

Up to $10 per month

in ATM fee refunds*

Monthly Qualifications
 $3,000 made via direct deposit or Deposit Anywhere  $1,000 made via direct deposit or Deposit Anywhere
30 qualifying transactions 15 qualifying transactions
 Enroll in eStatements  Enroll in eStatements

Calculate Your Savings

See how much you could earn

= $

Actual earnings will vary, based on balance amount and monthly qualifications. Level 1 earnings are at 2.00% APY and Level 2 at 4.00% APY.

HCA Healthcare New Member Exclusive

Earn a $50 deposit1 and up to 4.00%* APY with PowerPlus™ Checking!


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


    Powerplus Checking

    *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 monthly 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.

    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.

    1Offer available to HCA Healthcare colleague members who are legal U.S. residents 18 years of age or older unless prohibited by law. Offer valid 6/1/2023 – 7/31/2023. (Offer Period). Non-members, receive a $50 deposit for opening a new HCA Healthcare CU membership and a PowerPlus™ Checking share. Must use promo code “HCA50” in the Account Setup section of the membership application when opening new membership and deposit at least $25 in the first 30 days of account opening. A person seeking Credit Union membership must also meet at least one of the criteria found at http://www.HCAHealthcareCU.org/Membership-Eligibility. New Credit Union membership and PowerPlus Checking share must be opened by 7/31/2023 to be eligible for offer. New members will receive the $50 as a deposit into their Share-01 Savings account within 30 days of account open date. Existing members are not eligible for the offer. No substitutions for deposit allowed. Offer limited to one (1) deposit per person. Void where prohibited. BCU’s decisions are final and binding on all matters relating to this offer. BCU, at its sole discretion, may terminate, in whole or part, and or modify, amend, or suspend this promotion in any way, at any time, for any reason without prior notice. Participants agree to release, discharge or hold harmless the sponsor, its respective parents, affiliates, subsidiaries, and others engage in the development and creation of this offer from any liability, claims, losses, and damages arising out of or relating to their participation in this offer or the acceptance, use, misuse, or possession of any prize received in this offer. BCU employees and immediate family members are not eligible to participate in this offer. Sponsored by BCU, 340 N Milwaukee Ave, Vernon Hills, IL 60061.

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