Hiway has made a commitment to assist our members in getting on the right track, or getting back on track — whichever the case may be. Our Builder accounts are designed for members who do not currently qualify for some of Hiway's other products or services.
A $5 balance in your Share Savings Builder account represents your credit union share, and entitles you to lots of Hiway's benefits.
Features and Benefits
- May be set up as source for Overdraft Protection on your Checking account.
- $5 minimum balance is the basis for Hiway membership benefits, including voting rights for the Board of Directors election.
Get on Track
Apply for our Share Savings account and if your credit score is under 600, you may be offered the Share Savings Builder account.
The purpose of this account is to give you an opportunity to establish a savings plan and to work towards improving your situation so that you may qualify for future services, such as revolving credit lines, Visa® credit cards and more.
After 12 months, your Share Savings Builder account will be reviewed and moved to a traditional Savings account if the following criteria is met:
- consistent monthly deposit(s) of $300 or more to the account for the last 4 months
- account has a positive balance
The Builder account fee is $5 per month (fee assessed on the last business day of the month). The fee will be taken from the Checking Builder account; if unavailable, fee will be taken from Share Savings Builder. Fee is waived each month a deposit of $25 or more is made to a Certificate Builder under this membership. If you're interested in opening a Certificate Builder, contact us today.
Third party checks are not accepted.
Builder accounts are not eligible for the following services, including but not limited to:
- Shared Branch Services
- Mobile Deposits
- External Account Transfers
- Zelle® Payments
- Courtesy Pay
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Questions?
For more information on opening an account, send us an email or give us a call today.
Enjoy an arsenal of convenient tools and benefits.
Online Banking
Convenient, fast and secure access to your accounts, 24/7.
Mobile Banking
Use, move and manage your money no matter where you are.
Over 64,000 ATM and Branch Locations
Access to more fee-free locations across the United States than many big banks.
Unparalleled Service
We build lifelong partnerships with our members. Welcome to red carpet treatment.
Member Discounts
Enjoy private discounts, offers and deals available exclusively to members.
Absolute Security
Savings are insured up to $250,000 by NCUA. Not a single penny of federally insured savings has ever been lost.
Hear about Hiway from real members.

Lee
Member Since 1976
“I had such a great experience using Hiway’s Auto Buying service, it’s now the only way I would purchase a vehicle. They found the vehicle I wanted, delivered it and showed me of the features. They even took my trade!”

Antonio
Member Since 2012
"I would have never imagined I would have been at this point. Thank you Hiway Federal Credit Union."

Debra
Member Since 1986
"I have been a member for many years. We have an investment account and have financed all of our cars through Hiway. We've always been treated with kindness and everyone we have dealt with through the credit union is very helpful and knowledgeable. We are very satisfied with Hiway Federal Credit Union."

Jason
Member Since 2005
"Over the past eight years, Hiway has helped me build a successful transportation business through my business account and loans. Whether I'm seeking help from the tellers, car buying department, loan department people, I am always met with friendliness and professionalism."