No, you do not need to be a member in order to apply for a loan.  However, you do have to meet our membership eligibility requirements before signing loan documents.  Please see Who Can Join for additional information.

OHecu does offer Bill Payment.  There is no service fee for Active Bill Payment users.  A $5/month dormancy fee is assessed for members enrolled in Bill Payment service that have not initiated a monetary transaction for at least (3) consecutive months.

Yes, OHecu offers FREE Mobile Banking.  Click here for more information.

*Message and data rates may apply from your wireless carrier.

You do have the following options for obtaining a copy of your credit report:

• Our Select Checking comes with Identity Theft Protection Service through ID Protect®. With ID Protect®, you get a 3-in-1 Credit Report every 90 days or upon receipt of credit alert.  Click here to see more information about ID Protect®.
• If you are declined for a loan at OHecu, you will be mailed a notice with instructions on how to obtain a free copy of your credit report.
• The federal government requires that each of the three national credit-reporting agencies, Experian, Equifax, and TransUnion  - gives you a free credit report every year.  You can request a free credit report by visiting  http://www.annualcreditreport.com/.  

The Regular Savings Maintenance fees are waived when you:

• Are a Package member  
• Have payroll deduction or direct deposit of at least $400 to OHecu
• Maintain month end and average daily balance of at least $100.

See OHecu Fee Schedule for full details.

You can change your address through Online Banking or by stopping into any OHecu branch location with a photo ID.  If you are unable to make it into a branch location, please contact us at 877.322.6328. 

Note: Please DO NOT send any change of address requests via email for security reasons.

Existing Members

Fill out the New Member Referral Information form with your name and address. $25 will be deposited into your Share Account for each person you refer who opens a new membership (Share Account) with a checking account after both the Share Saving and Checking Accounts have been open for a minimum of 60 days.

New Members

$25 will be deposited into your new OHecu Regular Share Account just for joining and opening a Checking Account after both the Regular Share and Checking accounts have been open for a minimum of 60 days.  

Or $75 will be deposited instead of $25, by opening a Regular Share Account, Checking Account and establishing direct deposit of at least $400 per month within 60 days of opening your new membership. 

Certain restrictions apply. Please see the New Member Referral Information form for complete details.

If two members are joint owners on each other’s accounts, OHecu will combine the financial relationship of the two memberships when determining the package level for each member.

For Example:

A husband’s membership with a $15,000 automobile loans would be added to the wife’s $5,000 Share Savings Account, if they are joint owners on each other’s memberships.  Their aggregate balance relationship would then be $20,000.  Both would be considered Gold Package level members.

You need only to use OHecu for your financial needs.  As your financial relationship changes with OHecu, we will automatically update your membership package level immediately or the month after you meet the package qualifications.  You do not need to sign any special forms.   Your membership package level will be reviewed once a month and whenever you open a new savings or loan account.

The Family and Friends Reward Program is a program designed for you to spread the good news about the exceptional service and products that are currently available to you at OHecu to your family and friends.   Click here for more information.

Certain restrictions may apply.   Please see the New Member Referral Information form for complete details.

Our routing number is 241075124.

OHecu offers several Online Services.  Click here for more details.

You have the following options available to make payments on your OHecu loan:

• OHecu will automatically transfer funds from your OHecu account (gets the lowest APR)
• OHecu will automatically transfer funds from another financial institution
• OHecu can set up Payroll Deduction from your Direct Deposit
• You can transfer the funds using Toni the Touch-Tone Teller
• You can transfer the funds in Online Banking
• You can pay in person at any OHecu office
• You can mail your payment to any OHecu office

OHecu offers several savings account options.   To view our Regular Savings accounts, click here.   To view our Other Savings Accounts, click here.

This depends on when you meet the minimum requirements for a package.   

For example:

When your opening of a new loan increases your aggregate balance above a specific package threshold requirement, the membership representative will update your Package Level at that time and you will immediately begin to receive the associated benefits. 

Another Example:

If you have direct deposit of your payroll or retirement money, and your aggregate account balance just reached the Silver Package level, you would automatically start to receive Silver Package Benefits the month after OHecu completes the monthly update of all package members.