At Homeland Federal Credit Union, our mission is to "Fulfill Dreams at Every Stage of Life". We offer a variety of deposit, loan and investment products strategically tailored to match any financial need. Whether you're buying your first car or house, establishing your retirement account, opening additional savings and checking accounts, or you simply need some extra cash, Homeland FCU can help you make the right financial decisions.
Click on the links below for more information on a particular service.
Savings (Share) Accounts
At Homeland FCU, you're not just a customer, you're an owner. Establish your membership with a minimum deposit of $5 into your new share account and start enjoying all the benefits your new credit union has to offer such as...
- No monthly fees
- Competitive rates
- Dividends paid quarterly on share accounts with an average daily balance of just $25.00
- Home Financial Services (Online Banking)
- Express Teller (Telephone Banking) 504.596.6848
- Access your account(s) though the Credit Union Service Center network wherever you see this symbol:
Over 3,200 nationwide. Locate a service center near you by accessing CUServiceCenter.com. - Automated deposits through direct deposit or payroll deduction
- FREE Credit Analysis
- Personalized member service
- Shares insured by the NCUA up to $250,000
- And many more!
Checking (Share Draft) Accounts
COMPLETELY FREE CHECKING! That's right... with your FEE-FREE share draft account, you can manage your money your way. Whether you prefer to write checks, swipe your debit card, bank online or visit us at one of our 2 branches, our Completely Free Checking account takes the hassle out of trying to keep up with nominal service fees.
COMPLETELY FREE CHECKING conveniences include...
- No minimum balance requirement
- No service charges
- No transaction fees
- Direct deposit
- Payroll deduction
- ACH withdrawals
- Earn dividends on your average daily balance paid monthly
- Home Financial Services (Online Banking)
- Express Teller (Telephone Banking) 504.596.6848
- Access your account(s) though the Credit Union Service Center network wherever you see this symbol: Over 3,200 nationwide. Locate a service center near you by accessing CUServiceCenter.com.
- Deposits are insured by the NCUA up to $250,000 per account
Certificates of Deposit (CDs)
A share certificate guarantees you a higher yield than your average savings account. You can begin your investing with as little as $1,000 in a term as short as 6 months. Interest is compounded daily and applied monthly. Click here to view current rates.
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Individual Retirement Accounts (IRAs)
You can start saving for college, retirement or a home with an IRA. We have many types of tax-advantage IRA savings available, including contributory, spousal and rollover. Plus, your IRA will work for you as it accrues dividends paid quarterly. Opening one is as easy as opening a share account.
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(Christmas) Club Savings Accounts
Save your money your way! At Homeland Federal Credit Union, you have the option to open multiple club savings accounts to separately save your money for a specific occasion. Save for a vacation, wedding, or the holidays.
Your Club Account will earn dividends quarterly at a competitive rate. There are NO maintenance fees or deposit requirements. You may make deposits via payroll deduction, automatic transfer, by visiting one of our 2 branches, calling our Express Teller at 504.596.6848, or using Home Financial Services (Online Banking). Christmas Club funds are available for withdrawal October 1 - December 31; all other Club Account funds are accessible throughout the year.
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Loans
If you're looking for a loan, look no further. Homeland Federal Credit Union has an array of loan products and merchant cash advance funding available for you, our member, to make your dreams come true. As a member of Homeland FCU, you'll benefit from low, competitive rates, affordable repayment options, and a fast, friendly, knowledgeable staff.
Unsecured Loans:
Merchant Cash Advance Loan
Merchant Cash Advance Funding Loans are available for just about any small business need.
Borrow money for advertising, payroll, expansion, equipmenet, or any unexpected business expenses. We work with trusted merchant cash advance companies such as Green Capital Credit, Citiwide Merchant Funding and Fast Merchant Advance. We offer BCA / MCA Funding amounts from $1,000 up to $200,000* and terms up to 8 months*.
Overdraft Line of Credit
Avoid unnecessary NSF fees. Open an Overdraft Line of Credit to protect your checking account from becoming overdrawn or having to hassle with bounced checks.
Tuition Loan
Finance your or your child's education with a Tuition Loan from Homeland FCU. We have lowered our standard unsecured rates to offer a Student Advantage rate. Terms up to 12 months*.
Visit one of our branch locations
Download and print an EZ Application. Print, fill out and attach a recent pay stub to your application. You can bring the completed form to the credit union, mail it to us, or fax to 504.835.6039.
For more information, email us at info@homelandfcu.com or contact one of our branch offices.
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Secured Loans
Homeland FCU offers secured loans at low, competitive rates, flexible terms, no payments for the first 45 days and up to 100% of the retail value of the vehicle!* Secured loans include...
- New and Used Automobiles,
- Motorcycles,
- Boats,
- Motor Homes,
- Recreational Vehicles.
Financed elsewhere? No problem! We will refinance your vehicle with NO re-titling fees. Plus, if you've been with your lender at least 6 months and have not been delinquent, we will automatically offer you 0.5% off your current rate!!!
Do you own a vehicle and carry the title but need some extra cash? Use your vehicle as collateral as an alternative to an Unsecured Loan in order to get the best rate available.
To apply...
Visit one of our branch locations
Download and print an EZ Application. Print, fill out and attach a recent pay stub to your application. You can bring the completed form to the credit union, mail it to us, or fax to 504.835.6039.
Online resources...
For more information, email us at info@homelandfcu.com or contact one of our branch offices.
GAP (Guaranteed Asset Protection) Insurance
Member's Choice Guaranteed Asset Protection covers the "gap" between the amount your primary insurance carrier will offer you (actual cash value) if your vehicle is accidently damaged beyond repair, stolen or declared a total loss and the amount you still owe on your vehicle loan. GAP is a low-cost insurance product that can be purchased at any time and be included in your car payment.
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MRC (Mechanical Repair Coverage)
Member's Choice Mechanical Repair Coverage pays for covered repairs (costs of parts and labor) when unexpected breakdowns occur. Coverage packages are designed to fit your driving habits. Beyond covering repairs, Member's Choice Mechanical Repair Coverage also includes...
- Rental reimbursement
- 24-hour, toll-free roadside assistance
- Emergency travel expense
- Nationwide authorized repair facilities
- Transferable coverage
- Flexible commitment
- No out of pocket costs (other than any applicable deductible)
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Share Secured Loan
Share Secured loans are a low-cost option to standard Unsecured Loans plus a smart way to rebuild credit. Share Secured loans are made by borrowing against your own funds held in your Certificate of Deposit (CD). The loan rate is 2% above your current share certificate rate.
Credit Life & Disability Insurance:
Member's Choice Credit Life Insurance and Credit Disability Insurance are products designed to protect your credit standing and help eliminate some of the financial hardship if an unexpected death or permanent disability occurs. The cost to protect your family's financial future is only dollars a month and is included with your loan payment.
VISA
Homeland FCU offers our members a Visa Platinum credit card with a low, fixed rate and no annual fee! Benefits to carrying a Homeland FCU Visa Platinum credit card include...
- Credit limits from $1,000 up to $20,000*
- 25 day grace period on all new purchases
- No balance transfer fees
- Identity Theft and Fraud Protection
- Home Financial Services (Online Banking)
- Low, FIXED interest rate
- Accepted worldwide
To apply...
Visit one of our branch locations
Download and print a Credit Card Application. Print, fill out and attach a recent pay stub to your application. You can bring the completed form to the credit union, mail it to us, or fax to 504.835.6039.
For more information, email us at info@homelandfcu.com or contact one of our branch offices.
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Credit Card Processor Services
We offer low cost credit card merchant account services for small business. Get a free virtual terminal, or a brand new credit card swiper terminal with low or no monthly fees. We work on the most popular credit card processing networks including Advantage Processors, Clarity USA
and High Risk Merchant Accounts...
- Low, FIXED interest rate
- Merchant Volume limits beginning at $200K
- State of the Art online Reporting Tools
- No Monthly Minimum fees
- Chargeback and Fraud Protection
- Process credit cards worldwide
To apply...
Visit one of our branch locations
Download and print a Credit Card Application. Print, fill out and attach a recent pay stub to your application. You can bring the completed form to the credit union, mail it to us, or fax to 504.835.6039.
For more information, email us at info@homelandfcu.com or contact one of our branch offices.
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Home Equity Line of Credit (HELOC)
Rates are Great! Establish a Line of Credit based on the equity you already have available in your home. You may make periodic advances from your Line of Credit during the "draw period" (typically 5 years) or you may borrow up to the limit at the time of closing. It's up to you! Homeland FCU offers affordable loan payments and repayment terms up to 15 years*.
Just imagine... with a HELOC, you can now install the new pool you've been dreaming of, renovate your kitchen or finance other home improvements, you can consolidate other debts or prepare for an upcoming life event. The possibilities are limitless.
To apply...
Visit one of our branch locations
For more information, email us at info@homelandfcu.com or contact one of our branch offices.
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Mortgage Loans
Looking for or have found your dream home? Are you interested in refinancing your existing mortgage at a lower, competitive rate or wanting cash out? Homeland FCU has partnered with CU Members Mortgage to bring you the best mortgage services available.
Mortgage Rates are at an All Time Low! Don't Wait! Take Advantage Now!
For more information, email us at info@homelandfcu.com or contact one of our branch offices.
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Home Financial Services (Online Banking)
Home Financial Services allows you to access your accounts 24/7. All you need is Internet access. Home Financial Services allows you to...
- View account balances and histories
- Transfer funds between accounts
- Make loan payments
- Order checks
- Apply for loans
- Request check copies
- Request stop payments
- And much more!
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*APR (Annual Percentage Rate). Actual rate may vary based on credit score, discounts and/or surcharges, loan term and loan to value. Term of loan may vary based on amount financed. All loan approvals are based on standard underwriting guidelines and/or automated credit-scoring benchmarks. Loan rates are subject to change without notice.
