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.

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.