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Eligibility

Applying is fast and easy!

During the process, you’ll be asked to:

• Enter your full legal name on the application
• Select which products and related services you wish to apply for
• Fill out the online application
• Review and accept our account disclosures
• Answer a few brief questions that help us verify your identity and protect your information
• Choose how you’d like to initially fund your account. (You can transfer from an existing account, transfer from another bank account or use a debit/credit card.)
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Select your eligibility

I live, work, worship, attend school, or have a family in the county indicated below.

Please Select:Please Select:

I have a relative who is already a member. Enter First & Last Name of the member you are related to.

Enter Full Name of Existing Member:

I am an employee of Members Heritage Credit Union

Remove Product

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Required Products

Select at least one of the following products required for membership

Share

A Share/Savings Account opens the door to credit union membership and is required. This account can be opened for as little as $5.00 and makes you eligible for all the products and services offered by Members Heritage.

Min Deposit: $5.00

You may select one of the following products

Available Products

Savings Checking Money Market Certificate Account

Additional Share

Use an Additional Share/Savings Account for whatever your needs may be. Whether it’s saving for a vacation, home repair, rainy day – a Members Heritage Additional Share/Savings Account is for you!

Christmas Club

Don’t let the holidays or end of year expenses break your budget. Use a Members Heritage Christmas Club Account as a way to build savings throughout the year.

Preferred Share Draft

Members Heritage Share Draft/Checking Account gives easy access to your funds with no monthly fees or minimum balances. Debit, ATM cards, and overdraft protection are available.

Money Market Share Draft

A Money Market Account provides easy access to your money and earns a higher tiered dividend. A minimum balance of $2500 to earn dividends and three free withdrawals per month are allowed. This is a great way to build an emergency fund or savings for things like a vacation or tax payment.

91 Day Certificate

Dividends calculated on average daily balance and paid monthly. APY = Annual Percentage Yield

APY: 1.40% Min Deposit: $500.00

182 Day Certificate

Dividends calculated on average daily balance and paid monthly. APY = Annual Percentage Yield

APY: 4.10% Min Deposit: $500.00

1 Year Certificate

Dividends calculated on average daily balance and paid monthly. APY = Annual Percentage Yield

APY: 4.00% Min Deposit: $500.00

2 Year Certificate

Dividends calculated on average daily balance and paid monthly. APY = Annual Percentage Yield

APY: 3.10% Min Deposit: $500.00

3 Year Certificate

Dividends calculated on average daily balance and paid monthly. APY = Annual Percentage Yield

APY: 3.35% Min Deposit: $500.00

4 Year Certificate

Dividends calculated on average daily balance and paid monthly. APY = Annual Percentage Yield

APY: 3.50% Min Deposit: $500.00

5 Year Certificate

Dividends calculated on average daily balance and paid monthly. APY = Annual Percentage Yield

APY: 3.75% Min Deposit: $500.00

1 Year Jumbo Certificate

Dividends calculated on average daily balance and paid monthly. APY = Annual Percentage Yield

APY: 4.10% Min Deposit: $100,000.00

2 Year Jumbo Certificate

Dividends calculated on average daily balance and paid monthly. APY = Annual Percentage Yield

APY: 3.20% Min Deposit: $100,000.00

3 Year Jumbo Certificate

Dividends calculated on average daily balance and paid monthly. APY = Annual Percentage Yield

APY: 3.45% Min Deposit: $100,000.00

4 Year Jumbo Certificate

A 4 year Jumbo Term Share Certificate can be opened with a $100,000.00 minimum balance. Dividends calculated on average daily balance and paid monthly.

APY: 3.60% Min Deposit: $100,000.00

5 Year Jumbo Certificate

Dividends calculated on average daily balance and paid monthly. APY = Annual Percentage Yield

APY: 3.85% Min Deposit: $100,000.00

APY (Annual Percentage Yield)

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Description

Details

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Additional feature(s)

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Choose your rate

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Choose your term

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Maturity Date

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Application Cancelled

We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.

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Funding

How much do you want to deposit?

Total Deposit

How do you want to fund your new account?

Not Funding At This Time

Credit Card (max $500.00)

Transfer From Another Financial Institution

Internal Transfer

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*Required Field(s)

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Insufficient Balance

This account does not have sufficient balance to cover the total required deposit.

Please select another account.

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Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

Continue

Verify account manually instead

By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.

'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Continue Or Go Back

Tell Us About Yourself

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of Members Heritage Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

Upload Documents

You may take a picture or upload a copy of your ID document such as driver license, green card, or etc...

Click or tap here to capture or upload an image or document.

Additional Information

What is your occupation? (If retired-what was the occupation you retired from?)*

Do you have any beneficiaries?

Yes

No

Do you have another applicant?

Yes

No

Continue Or Go Back

To speed up the application process, please take a picture of the BACK of your United States driver’s license. This will prepopulate your name and address information directly to your application.

If you do not wish to use this feature simply click the “Done” button, to proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

To speed up the application process, please take a picture of the BACK of your United States driver’s license. This will prepopulate your name and address information directly to your application.

If you do not wish to use this feature simply click the “Done” button, to proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

Additional Information

What is your occupation? (If retired-what was the occupation you retired from?)*

Continue Or Go Back

About Your Joint Applicant

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of Members Heritage Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

Upload Documents

You may take a picture or upload a copy of your ID document such as driver license, green card, or etc...

Click or tap here to capture or upload an image or document.

Additional Information

What is your occupation? (If retired-what was the occupation you retired from?)*

Continue Or Go Back

Tell us about your beneficiaries

Add an additional beneficiary

Are you sure you want to remove this beneficiary?

Remove

Cancel

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Continue Or Go Back

Tell us about your beneficiary percent shares

Other Products

Total beneficiary percent share: 0.00%

Please indicate the percentage of the payout each beneficiary will receive:

Total

0.00%

Distribute Evenly

Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

Continue Or Go Back

Document Upload Button

Document Capture Button

Document Upload Button

Document Capture Button

Review and Submit

Product Selections

Additional Application Information

Applicant Information

Contact Information

Identification Information

Secondary Identification Information

Address

Employment Information

Previous Employment Information

Joint Applicant Information

Joint Applicant Contact Information

Joint Applicant Identification

Joint Applicant Secondary Identification

Joint Applicant Address

Joint Applicant Employment Information

Beneficiary Information

Funding Source

Have comments

Please answer the following question(s)

For convenience, and security you will automatically receive your statement electronically without any additional cost. Click on yes to acknowledge enrolling in estatements. Click on no to receive paper statements.*

Do you anticipate sending or receiving frequent wire transfers?*

Will any financial transactions affecting this account originate or have a destination outside the U.S.?*

What is your expected monthly cash deposit amount?*

How did you hear about the Credit Union?*

What is your expected monthly cash withdrawal amount?*

Members Heritage offers the following services: Please check all you are interested in or plan on using.

Safe Deposit BoxCashier Checks (3+ per month)Transfers to other financial institutionsMoney orders (3+ per month)

Would you like to receive text messages from MHCU?*

Read, Sign and Submit

By clicking the "I agree" checkbox, you authorize us to verify the information you submitted and to obtain credit reports concerning you. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

I have read and understand the E-Communication Consent.

Email Agreements & Disclosures

Your E-mail Address

The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.

Send

I Agree Or Go Back

One-Time Passcode

Submit Code

Authentication Questions

Submit Answers

Continue Cancel

Do you want to cancel the verification process? Doing so may delay the processing of your application.

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Do you want to cancel the verification process? Doing so may delay the processing of your application.

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Almost Done

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Fund Now with Plaid

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Almost Done

Please complete the account funding to activate your account.

Fund Now with Repay

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Almost Done

Please complete the account funding to activate your account.

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Product Funding Limit Exceeded

The total amount to be deposited for a product type cannot exceed the limit defined in the following table. Please adjust the deposit amount for your requested products so they do not exceed the limit.

Product Type	Maximum Deposit	Your Requested Deposit
Checking
Savings
Certificate

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