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HughesFCU.org
520-794-8341
MENU OF SERVICES
LOANS CHECKING & SAVINGS DIGITAL BANKING
• Car & Truck Loans • Checking PLUS • Mobile App for iOS and
• Vehicle Loan Refinancing • Checking Android
• Motorcycle & ATV Loans • Main Share Savings • Online Banking
• Recreational Vehicle Loans • Daily Savings • myHUB
• Home Equity Line of Credit • You Name It Savings • Mobile Deposit
(HELOC) • Holiday Club Savings • Bill Pay
• Savings Pledge Loans • Money Market Savings • Zelle®
• Line of Credit • Certificate Accounts • Apple Pay®, Google Pay™,
• Signature Loans (6, 12, 24, 36 mo.) Samsung Pay™
• Summer / Holiday Loans • Traditional IRAs • Account Transfers
• Real Estate Line of Credit • Roth IRAs • eStatements
• Student Loans • IRA Certificate Accounts • 24-Hour Voice Response System
• SEP IRAs • Text Banking
MORTGAGE LOANS • Youth Savings Accounts
• Conventional Mortgage Loans • Youth Certificate Accounts OTHER PRODUCTS &
• Adjustable-Rate Mortgage • Health Savings Accounts SERVICES
(ARM) Loans • Vehicle Service Contracts
• FHA Loans CONVENIENT SERVICES • Guaranteed Asset Protection
• VA Loans • Direct Deposit (GAP)
• Manufactured Home Loans • 5,000 Shared Branch locations • Safe Deposit Boxes
• 30,000 Surcharge-Free ATMs • Visa® Gift Cards
CREDIT CARDS • Credit Score Enhancement • Reloadable Prepaid Visa® Cards
• Low Rate Visa® Credit Cards • Free Financial Seminars • Auto & Home Insurance

INVESTMENT SERVICES
• 401k/IRA Distribution Education • Stocks, Bonds, Mutual Funds • Fixed and Variable Annuities
• College Savings Plans • Life Insurance • Long Term Care Insurance
• Retirement Planning • Investment Planning • Complimentary Financial Seminars

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered
through LPL or its licensed affiliates. Hughes Federal Credit Union and HFCU Financial Services are not registered as a broker-dealer or investment advisor. Registered representatives of
LPL offer products and services using HFCU Financial Services, and may also be employees of Hughes Federal Credit Union. These products and services are being offered through LPL or
its affiliates, which are separate entities from, and not affiliates of, Hughes Federal Credit Union or HFCU Financial Services. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value

09 / 20

Insured by NCUA
NMLS #411592
Routing Number: 322174944 HughesFCU.org | 520-794-8341
ONE LOW RATE
SIMPLY ONE INTEREST RATE FOR WE MAKE IT EASY TO APPLY
ALL APPROVED APPLICANTS • Online at HughesFCU.org/Apply
At Hughes Federal Credit Union there’s no switching loan • In person at any branch
rates based on your credit score. All of our members get the
• Use the form below
same low interest rate, once their loan is approved.*
Whether you need a classic credit card, a home equity line
† Vehicle Loan † Credit Card
of credit, an auto loan or a personal loan, we’ve got you
covered. † Personal Loan / † Home Equity /
Line of Credit Line of Credit
DRIVE AWAY WITH LOWER PAYMENTS
Whether you’re shopping at a dealership or looking to buy
from a private party, finish the deal with a great loan from
Hughes. Get bargaining power when negotiating a price. Credit Union Member Number
Apply online today and get pre-approved!
Print Full Name
Features & Benefits
• A great fixed or adjustable rate
Address
• Flexible terms
• Speedy turnaround
City, State, Zip Code
• Up to 100% financing available (Kelley Blue Book
Retail price for used vehicles)
Daytime Phone
• Term up to 7 years (84 months)

TAKE CHARGE OF YOUR FINANCES E-Mail Address

WITH A PERSONAL LOAN

Need to fund a big purchase? Got some travel plans?
Hughes has multiple options to help you realize your goal, Signature Date
whatever it may be.
I authorize the Credit Union to make inquiries pertaining to
employment, credit standing, and financial responsibility.
Loans subject to credit approval.
Please return your completed form to any of our offices
or mail to:

Member Services
Hughes Federal Credit Union
PO Box 11900
Tucson, AZ 85734-1900

Reference #________________ (for Credit Union use only)

*One Low Rate applies to all Hughes Federal Credit Union loans except credit builder loans and mortgage loans, which are offered through an outside vendor. Credit card rates refer to our Visa® Classic
Card. For members with approved credit. Certain restrictions apply. Based on credit approval.

10 / 20

Insured by NCUA
NMLS #411592
Routing Number: 322174944 HughesFCU.org | 520-794-8341
CHECKING ACCOUNTS
THE RIGHT CHECKING FOR YOU WE MAKE IT EASY TO APPLY
Checking PLUS accounts come with Benefits Plus®, which • Online at HughesFCU.org/Apply
offers savings on many products and services. You’ll receive
• In person at any branch
cell phone repair coverage, Identity Theft & Security Center
featuring Restoration Rescue®, gift card discounts, cash • Use the form below

back on travel, shopping, and dining, PLUS much more!

Try it free for 90 days.*
Credit Union Member Number
If you prefer no monthly fee, choose our regular Checking
account.
Print Full Name

FEATURES:
Address
Earns Interest

No Minimum Balance Required City, State, Zip Code

Free Visa® Debit Card

Home Phone
Direct Deposit

Free Overdrawn Protection Business Phone

Overdraft Privilege Available

Email Address
Mobile Banking App for iOS and Android

Unlimited Bill Pay Best time to contact me

Apple, Google, and Samsung Pay

Signature Date
Zelle®
I agree to be bounded by the Terms and Conditions set
5,000 CO-OP Shared Branches forth in the Share Accounts Information and Disclosures
booklet, and the Visa® Debit Card Disclosures and
30,000 Surcharge-Free ATMs
Agreement brochure.
Information is accurate as of the publication date and is
subject to change. Please return your completed form to
one of our branches or mail to:

Member Services
Hughes Federal Credit Union
PO Box 11900
Tucson, AZ 85734-1900

Reference #________________ (for Credit Union use only)

09 / 20

Insured by NCUA
Routing Number: 322174944 HughesFCU.org | 520-794-8341
CHECKING ACCOUNTS
Benefits Checking PLUS Checking
$5.95
Monthly Fee (Free 90-day None
no-obligation trial*)
Overdraft Privilege $750 limit $600 limit
No Minimum Balance
First 25 Checks Free
Overdrawn Protection
Visa® Debit Card

Direct Deposit

No Per-Check Fees

Online, Mobile and Text Banking

Free Online and Mobile Bill Pay

Unlimited Use of Hughes ATMs

Free Official Checks

Annual Check Order Discount

Restoration Rescue®
Identity Theft Restoration Service
Cell Phone Coverage
Up to $600 reimbursement for phone repair on eligible devices
SavingsXpress
More than 500,000 savings opportunities in over 10,000 cities
Cash Back Rewards
Earn cash back when you shop at favorite online merchants
Gift Card & eGift Card Discounts
Save 5%-15% on many retailer and restaurant gift cards
Guaranteed Lowest Price PLUS Cash Back on Eligible Purchases
Save 5% on hotels, car rentals and cruises, 3% on air travel
TicketXpress Discounts
Save up to 50% on movies, theme parks, concerts, sports and more
Costco and Sam’s Club memberships
$5 cash back on new memberships and annual renewals
Extended Repair Warranty
Extends the manufacturer’s original warranty up to one additional year
Other Discounts and Savings
Discounts on Pet Insurance, 24-Hour Roadside Assistance, Prescription
Savings, Dental Discount Plan, Discount Vision Program, Hearing Care,
Grocery Store Coupons, Bitdefender Anti-Virus and Security, and more

*$5.95 monthly fee applies after free 90-day no-obligation trial period. Hughes has selected Generations Gold, Inc., a fully independent third-party benefits provider, to
provide travel and other discounted services on an exclusive basis directly to Benefits Plus® members. The credit union assumes no liability for any of the providers in fulfilling
their services. All liabilities, claims, damages, and demands are the sole and direct responsibility of Generations Gold, Inc. and its independent service or benefits providers.
Discounts received through the Program may not be used in conjunction with any other discounts. Benefits and services available through the Program are subject to change
without notice. Not all plans and discounts are available in all areas. The descriptions herein are summaries only and intended for informational purposes only and do not
include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Some exclusions
apply. You can view the complete terms, conditions, exclusions and complete program details by visiting www.benefits-plus.org or by calling 1.866.329.7587. Generations
Gold, Inc. is not insured by any Federal Government Agency. All rights reserved, Generations Gold, Inc.

09 / 20

Insured by NCUA
Routing Number: 322174944 HughesFCU.org | 520-794-8341
DIRECT DEPOSIT
FREE, FAST AND SAFE DIRECT DEPOSIT REQUEST FORM
Direct deposit is a free electronic transfer
Personal Information
service that sends your paycheck or
benefits check to your Hughes account. It
provides immediate access to your money First Name Last Name
on the day of deposit and eliminates the
chance of your check being lost, delayed
Social Security Number
or stolen. You can even split your direct
deposit between your Hughes accounts.
Address
HOW TO ENROLL
IN DIRECT DEPOSIT
City State Zip
• Contact your company’s Human
Resources or Payroll department for a
printed or online direct deposit form.
Phone
• For Social Security or other federal
benefits, sign up for direct deposit at Direct Deposit Instructions
GoDirect.gov or call 800-333-1795. Checking Account Number
Deposit
Required Information Amount % OR $
• Your Social Security Number.
• The Hughes Routing Number: Main Share Savings Account Number
Deposit
322174944 0 1 Amount % OR $

• Your Hughes Account Number(s) and

Daily Savings Account Number
type (checking or savings).
Deposit
• You may be asked for a blank, VOIDED 0 8 Amount % OR $
check. If you do not have one you can
obtain a blank counter (temporary) Health Savings Account (HSA) Number
check at any Hughes branch location. Deposit
0 6 Amount % OR $
IF YOUR COMPANY DOES
NOT HAVE A PROCEDURE Authorization
FOR DIRECT DEPOSIT
I authorize (employer name)
• Complete this form.
and Hughes Federal Credit Union to automatically deposit my paycheck into the
• Sign the form and submit to your
account(s) listed above.
employer.

Signature Date

1010/19
/ 19

Insured by NCUA
Routing Number: 322174944 HughesFCU.org | 520-794-8341
E-SERVICES
ONLINE BANKING MOBILE BANKING APP
• See all your accounts online, anytime • Get our free app on the App Store or Google Play

• Transfer money between your Hughes accounts by searching for Hughes Federal Credit Union

• Make your Hughes loan payment • Deposits checks into your account from your
mobile device
• Request a check copy, view cleared checks,
stop payments • Transfer money between your Hughes accounts

• Export transactions into Quicken, Microsoft Excel, • Instant Balance available to see your funds without

and QuickBooks logging in

• Receive email or text alerts about your account • Pay any bill with Mobile Bill Pay

activity with Account Alerts

• Visit HughesFCU.org/Enroll to get started

APPLE, GOOGLE AND SAMSUNG PAY
• A more secure and convenient way to pay at over a
million stores accepting contactless payments
FREE BILL PAY
• Pay anyone at any time • Make purchases within participating apps and websites

• Schedule payments in advance APPLY ONLINE

• Funds are debited from your checking account • You can open a Hughes account, apply for a loan or

• Overdrawn Protection is available credit card at HughesFCU.org/Apply

E-STATEMENT
• Sign up to receive your Credit Union statement online

• Access your statement online up to 18 months or print it

05 / 19

Insured by NCUA
Routing Number: 322174944 HughesFCU.org | 520-794-8341
VISA DEBIT CARD ®

BENEFITS AND FEATURES WE MAKE IT EASY TO APPLY

• Available with Checking PLUS and regular Checking • Online at HughesFCU.org/Apply
accounts
• In person at any branch
• No monthly or annual fee
• Use the form below
• Accepted anywhere Visa® is accepted
• Free ATM access at all Hughes ATMs
• Free ATM access at more than 30,000 CO-OP ATMs Credit Union Member Number
• Officially licensed University of Arizona designs ®

• Exclusive Diana Madaras designs* Print Full Name

INSTANTLY ISSUED Address

Instant issue is available at all seven of our branch locations.

APPLE PAY®, ANDROID PAY™ City, State, Zip Code

AND SAMSUNG PAY™

A safe, convenient, and easy way to pay with your Hughes Daytime Phone
Debit card. Learn more at HughesFCU.org/DigitalWallet

SHOW YOUR WILDCAT® SPIRIT
Hughes is home to the official University of Arizona®
Visa Debit card and proud sponsor of Arizona Athletics.
Choose your favorite from several designs.
MOBILE APP
Download our free app on the App Store or get it on
Google Play™ by searching for Hughes Federal Credit Union.
E-Mail Address
Signature Date
I authorize the Credit Union to make inquiries pertaining to
employment, credit standing and financial responsibility. I
agree to be bounded by the terms and conditions set forth
in the Share Accounts Information and Disclosures booklet,
and the Visa® Debit card Disclosure and Agreement brochure.
Please return your completed form to any of our offices
or mail to:

Member Services
Hughes Federal Credit Union
PO Box 11900
Tucson, AZ 85734-1900

Reference #________________ (for Credit Union use only)

*Use of a Madaras debit card design entitles users to a 10% discount on merchandise with Diana Madaras images at the Madaras Gallery on 3035 N. Swan Road, Tucson AZ. Certain restrictions
apply. Excludes work by guest artists. Offer good through 12/31/20.

UA™ and Wildcat® are trademarks of the University of Arizona and are used with permission. Visa is a registered trademark of Visa International Service Association. Apple Pay is a registered
trademark of Apple Inc. Google Pay is a trademark of Google. Samsung Pay is a trademark of Samsung Electronics America, Inc. Debit cards are free with a new checking account. New design
may be selected at no charge when current card expires. Fee may apply for lost, stolen, damaged, or replacement cards. Certain restrictions apply.

10 / 20

Insured by NCUA
Routing Number: 322174944 HughesFCU.org | 520-794-8341
SHARED BRANCHING/ATMS
CONDUCT HUGHES TRANSACTIONS
AT 5,000+ LOCATIONS NATIONWIDE
The CO-OP network of more than 5,000 Shared Branch
locations means you have more direct access to your money
than most traditional bank customers do. You’ll feel right
at home when you visit participating credit unions in all 50
states. So whether you are in town or traveling on business
or vacation, Hughes Federal Credit Union is always nearby.
NEARLY 30,000 SURCHARGE-FREE ATMS
Now you can get cash surcharge-free at more ATMs than
ever. Hughes members can visit any of nearly 30,000 ATMs
that display the CO-OP logo. That’s convenience even some
of the biggest banks can’t match. So whether you’re across
town, or far from home for work or pleasure, you’re never far
from your money.
• Use surcharge-free ATMs at places like 7-Eleven® and

Shared Branch Services Costco® and credit unions nation-wide

• Deposits, withdrawals, and transfers between accounts • Make deposits at nearly 9,000 ATMs

• Loan payments and loan advances

FIND A SHARED BRANCH / ATM
Additional services may be available
• Official checks, money orders, and traveler’s checks
Online
Visit HughesFCU.org/SharedBranching
• Statement prints (recent account history)

• Visa® gift cards Text

Text a Zip Code to 91989 to find nearby ATM and
• Fax services and photocopies
Shared Branch Locations
• Notary services
Call
To access your account you’ll need
888-748-3266 to find a location by telephone
• The name of your Credit Union (Hughes Federal
Credit Union) Live Help
• Your Hughes member number Call 888-837-6500 for live personal assistance

• A valid U.S./state, county, federal, or city government

Look for the CO-OP logo
issued ID with signature

• Additional rules may apply to access your account

Shared Branching is not available for business, fiduciary, trust or cash-only

membership accounts at this time. Shared Branching is not available at
drive-thru lanes.

01 / 19

Insured by NCUA
Routing Number: 322174944 HughesFCU.org | 520-794-8341
INCREASE YOUR CREDIT SCORE
DO YOU KNOW YOUR CREDIT SCORE? INFORMATION/APPLICATION REQUEST
Your credit score appears on your credit report and can F Yes, I would like a free credit score analysis.
determine the loan rate for which you qualify at most F Application for low-cost loan and/or credit card
lending institutions. This score can range from 300 to F Information on Debt Protection programs
850—and the higher your score, the better for you. F Credit Builder Loan
As part of our effort to always make a positive difference in
each member’s financial life, we want to help you increase
Credit Union Member Number
your credit score. Let us analyze your credit report for any
enhancement opportunities and for fraud—free of charge.
What you learn could save you thousands throughout your Print Full Name
financial life.
You’ll learn how your payment history, length of credit, mix Address
of credit, and accumulation of debt affect your credit score.
We’ll also provide you with information on how to improve
City, State, Zip Code
your credit score and show you how you might lower your
loan payments.
Daytime Phone
KNOW WHERE YOUR CREDIT STANDS
Knowing your credit score is essential in managing finances. E-Mail Address
It’s also a way of monitoring your personal credit security
and detecting any fraud activity. See a Member Service
Representative at any of our branches today. Signature Date

FOR YOUR FREE CREDIT ANALYSIS I authorize the Credit Union to make inquiries pertaining to
employment, credit standing, and financial responsibility.
• C
 omplete the accompanying form and bring it Loans subject to credit approval.
to any branch
Please return your completed form to any of our offices
• B
 ring a valid picture ID with you and allow or mail to:
at least 30 minutes
To schedule an appointment with a Member Service Member Services
Representative in advance call 520-794-8341; 800-253-8245 Hughes Federal Credit Union
outside Tucson. PO Box 11900
Tucson, AZ 85734-1900

Reference #________________ (for Credit Union use only)

09 / 20

Routing Number: 322174944 HughesFCU.org | 520-794-8341

HEALTH SAVINGS ACCOUNT
CONTROL YOUR HEALTH CARE COSTS ADDITIONAL INFORMATION
We understand that keeping healthcare costs in check is • Control—Take control of your health care decisions.
a concern. With the high cost of medical expenses, eligible You own your HSA, not your employer
members can contribute to our Health Savings Account
• Portability and Flexibility—Since you own the account,
(HSA) to save, tax-deferred*, for current and future qualified
it goes where you go, even if you change jobs.
medical expenses. Withdrawals from an HSA for qualified
Even better, you can contribute at any time during the
medical expenses may be tax-free and contributions may be
year, and your balance rolls over from year to year
tax-deductible.
• Tax Savings—Contributions to your HSA are tax
You must be covered under an HSA-qualified, high-deductible deductible, and the account earnings will accumulate
health plan (HDHP) to contribute to an HSA. An HDHP on a tax-deferred basis
typically has lower premiums than a traditional health plan.
• Protection—A Health Savings Account will protect you
What you save monthly on the premium can be deposited
against high or unexpected medical bills
into an HSA to save for healthcare expenses.

Enjoy no minimum balance, Free Online Banking, Free Bill To open your Health Savings Account, please contact the

Pay, Mobile Banking and Text Banking with your Health Credit Union by calling 520-794-8341 or stop by any branch.

Savings Checking account at Hughes. Visit us at HughesFCU.org/HealthSavings

Since you own and control the money in your HSA, you *Please consult your tax advisor.
decide which expenses to pay. Our HSA provides you
with a convenient way to save for and/or pay health care
related expenses.

02 / 19

Insured by NCUA
Routing Number: 322174944 HughesFCU.org | 520-794-8341
BRANCH LOCATIONS
CORTARO THORNYDALE
7820 N. Cortaro Rd., Marana, AZ 85743 7970 N. Thornydale Rd., Tucson, AZ 85741
Drive-up ATM Drive-up ATM / Walk-up ATM
Lobby Hours: Lobby Hours:
Monday - Thursday 9:00am - 5:00pm Monday - Thursday 9:00am - 5:00pm
Friday 9:00am - 6:00pm Friday 9:00am - 6:00pm
Saturday 9:00am - 1:00pm Saturday 9:00am - 1:00pm
Drive-Thru Hours: Drive-Thru Hours:
Monday - Thursday 7:30am - 5:00pm Monday - Thursday 7:30am - 5:00pm
Friday 7:30am - 6:00pm Friday 7:30am - 6:00pm
Saturday 9:00am - 1:00pm Saturday 9:00am - 1:00pm

HERMANS ROAD VAIL

951 E. Hermans Rd., Tucson, AZ 85756 9036 S. Houghton Rd., Tucson, AZ 85747
Walk-up ATM Drive-up ATM / Walk-up ATM
Lobby Hours: Lobby Hours:
Monday - Thursday 9:00am - 5:00pm Monday - Thursday 9:00am - 5:00pm
Friday 9:00am - 6:00pm Friday 9:00am - 6:00pm
Drive-Thru Hours: Saturday 9:00am - 1:00pm
Monday - Thursday 7:30am - 5:00pm Drive-Thru Hours:
Friday 7:30am - 6:00pm Monday - Thursday 7:30am - 5:00pm
Friday 7:30am - 6:00pm
Saturday 9:00am - 1:00pm
PANTANO
280 N. Pantano Rd., Tucson, AZ 85710
Drive-up ATM / Walk-up ATM WETMORE
Lobby Hours: 971 W. Wetmore Rd., Tucson, AZ 85705
Monday - Thursday 9:00am - 5:00pm Two Drive-up ATMs
Friday 9:00am - 6:00pm Lobby Hours:
Saturday 9:00am - 1:00pm Monday - Thursday 9:00am - 5:00pm
Drive-Thru Hours: Friday 9:00am - 6:00pm
Monday - Thursday 7:30am - 5:00pm Saturday 9:00am - 5:00pm
Friday 7:30am - 6:00pm Drive-Thru Hours:
Saturday 9:00am - 1:00pm Monday - Thursday 7:30am - 5:00pm
Friday 7:30am - 6:00pm
Saturday 9:00am - 5:00pm
SPEEDWAY
3131 E. Speedway Blvd., Tucson, AZ 85716
24-Hour Voice Response 520-205-5555
Drive-up ATM
Loan by Phone 888-304-6855
Lobby Hours:
Monday - Thursday 9:00am - 5:00pm
Friday 9:00am - 6:00pm
Drive-Thru Hours:
Monday - Thursday 7:30am - 5:00pm
Friday 7:30am - 6:00pm

09/20

Routing Number: 322174944 HughesFCU.org | 520-794-8341