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Business Checking


Offering the products your
business needs while keeping
costs low and options simple.

Business Checking

Our no-hassle Business Checking account is perfect for members who want an affordable, easy-to-use account to manage their business' cash flow and transactions with no minimum balance or complicated fees. Features include:

All of our checking accounts come with a suite of FREE online services, such as ehccu-online banking, ehccupay-bill payment, eStatements, FinanceWorks, etc. Learn more.

A charge may be assessed for select online services.

Merchant Services

HCCU has partnered with Total Merchant Concepts, Inc. to offer your business the ability to accept credit cards, debit cards, and electronic checks as forms of payment through your website, retail store, over the phone or through a mobile device. We chose Total Merchant Concepts, Inc. as our partner for merchant services for many reasons including their competitive rates, month-to-month service agreement, 24-hour customer service, etc. Their merchant services product includes:

  • A month-to-month service agreement
  • Credit & debit card acceptance
  • Affordable, competitive rates
  • Web-based virtual terminals
  • Delayed or real-time web authorization
  • Fax, mail and phone authorization
  • Wireless and mobile options for home-based or mobile businesses
  • Electronic check processing (verification/guarantee/ACH conversion)
  • Accounting and POS software options
  • Compatibility with most networks, registers, and terminals

To request a quote, please contact our Call Center at 916.364.1700 or 800.233.6328 or visit a branch location near you.

Business Money Market Accounts

Whether you are saving for future business expansions or investing your extra capital to maximize your company's earning potential, our Business Money Market accounts allows you to keep your funds liquid while earning competitive market driven rates on your business savings.

Business Money Market

Designed for members seeking a competitive, liquid account for their business savings balances.

  • $1,000 minimum opening balance
  • Dividends compounded and paid monthly
  • Tiered rates reward higher balances

Must have a HCCU Business Checking account in good standing to be eligible to open a Business Money Market account.

Business Loans


Business Loans that Make $ense

You don’t have to be a big bank customer to keep your business moving forward. Let HCCU help you realize your business' potential with our affordable business lending programs.

Commercial Vehicle Loans

Need a new car or commercial-use vehicle for your business? We can help. Consider these features:

  • New and used vehicles
  • Flexible terms
  • 100% financing available for commercial purpose cars, vans, trucks, and SUVs (non-fleet vehicles)
  • 80% financing available for commercial-use vehicles
  • Buy from a dealer, private party, or buy out a lease
  • Refinance an existing loan from another auto lender and save on your monthly payment

For recurring business expenses, consider one of our convenient Business Credit Cards.

Commercial Real Estate & Rental Property Loans

When your business has outgrown its current location or it's time to stop leasing and start owning, turn to us to finance your commercial real estate purchase. Loans for rental properties are also available. Consider these options:
  • Fixed and adjustable rates available
  • Purchase rental properties, apartment complexes, office, retail, and other types of commercial real estate
  • Refinance an existing commercial real estate loans
  • Financing up to 80% LTV on existing commercial real estate properties

Let us help you prosper by banking the credit union way. For more information regarding any of our business loan products, contact our Call Center at 916.364.1700 or 800.233.6328.

Subject to credit approval and property valuation. Terms & conditions subject to change. Property insurance required; flood insurance may be required. Limited to properties located in California. Other restrictions on property may apply. Origination and other fees may apply.

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