To join Elements of Money members simply need to open a share (savings) account with a $5.00 deposit. Members can then enjoy Elements Checking account:

  • A no minimum balance, no monthly charge checking account
  • 50 free checks per year
  • Four checks can clear a month at no cost and just $.50 cents a check after that
  • ATM card or debit card with no annual fee
  • Spaulding High School students have access to a HRCU branch right within their school!*

    Branch Hours

    Monday and Tuesday: 9am – 1pm (Opened to SHS students and staff only)
    Wednesday: Closed
    Thursday and Friday: 9am – 3pm (Opened to All)

Additional Features:

  • Balances up to $1000.00 will have a greater rate of interest applied.  Balances over $1000 will receive the regular shares interest rate.
  • Elements Members can open a Certificate of Deposit (CD) with just $100.00 (maximum deposit $1000.00) and earn a higher rate of return than a share account.

*SHS Branch location is in the back of the R. W. Creteau Technology Center.