Frequently Asked Questions

Hughes Unified Banking, or myHUB, allows you to sync your financial accounts in order to track, monitor and learn from your finances in one convenient, user-friendly site. From personalized budgets to cash flow spending wheels, we’ll give you an accurate and comprehensive view of your finances. By automatically cleansing, categorizing and classifying your purchases, you’ll be able to build your own budgets and set your own goals, all within the app.

The Hughes Routing Number is 322174944

• Social Security Number
• A valid form of government issued identification more than 30 days old
• Previous address if at current address less than two years
• Joint Applicant/Co-Borrower information (if applicable)
• If applying for membership: Information to fund your new account (existing HFCU member number, account and routing number from another financial institution, or a credit/debit card)
• If applying for a loan: Previous employer information (if at current employer less than two years), Proof of income, and Collateral information (secured loan requests only).

Hughes Federal Credit Union
PO Box 11900
Tucson, AZ 85734

Business hours vary by location. Check the Location Finder to see the hours at a particular Hughes branch.

The Contact Center is available to take your call 8am–5pm (Monday–Thursday), 8am–6pm (Friday), and 9am-1pm (Saturday) at 520-794-8341.

Hughes branches are closed on the following holidays:

• New Year's Day (January 1)
• Martin Luther King Jr. Day (January 19)
• Presidents' Day (Monday, February 16)
• Memorial Day (May 25)
• Juneteenth (June 19)
• Independence Day (July 4)
• Labor Day (September 7)
• Columbus Day (October 12)
• Veterans Day (November 11)
• Thanksgiving (November 26)
• Christmas Eve 1/2 Day (December 24)
• Christmas Day (December 25)

Hughes offers a number of ways to make your car payment. Visit the Make a Payment page for details.

Yes. Notary services are available to Hughes members at no charge. Stop by any Hughes branch during regular business hours. No appointment is necessary to see a notary public, however, if you have several documents to be notarized, we encourage you to schedule an appointment at the branch most convenient to you.

To change your Hughes debit card PIN, bring your card to any Hughes branch during business hours and speak with the receptionist, or log in to your Online Banking account and navigate to the myCards page.

Use our Location Finder to search for a CO-OP Shared Branch or surcharge-free ATM near you.

Find the appropriate Fraud form and follow the instructions, or contact us directly.

Hughes members with a Checking PLUS account have access to Benefits Plus which offers discounted tickets to theme parks and attractions.

If you would like to add a new joint owner to your existing membership you have several options:

• Use the online Add a Joint Owner Application (fastest and easiest).
• Come into a branch together and a Member Services Representative can assist you. Be sure to bring one form of ID, being a government issued ID such as a U.S. driver's license.
• Call 520-794-8341 and request that the form be mailed to you.

The easiest option is to have all current membership owners come into a branch together to complete the necessary documentation. A member service representative will walk you through the process.

If everyone isn't available to visit a branch:

• The joint owner needs to complete a Disclaimer to Remove Joint Owner form and give it to the primary member. This must be notarized if not signed in a branch.
• The primary member needs to complete a new Application for Membership form with all remaining joint owners. This also must be notarized if not signed in a branch.
• The primary member will need to submit both forms along with valid, government-issued identification to the Member Services Department for processing.

You may come into any of our branches or call and request that the forms be mailed to you.

NOTE: If the joint owner is a co-borrower on an outstanding loan, we may not be able to remove them from the membership.

• In the Hughes mobile app or online banking, click Transfers > External Transfers.
• Deposit a check from your other financial institution to your Hughes account. Check holds may apply.
• Mail a Bill Payment from your other financial institution to Hughes.
• Send an ACH transfer from your other financial institution to Hughes.
• Initiate a wire transfer from your other financial institution to Hughes.

Click the "Forgot Password" link on the login page to reset your password. You will be prompted to authenticate via text or phone call to confirm your identity. You can then reset your password.

For your security, a complex password is required. Passwords must be 12 to 32 characters long and must contain all of the following: a lowercase letter (a-z), an uppercase letter (A-Z), a digit (0-9), and a special character (~!@#$%^&*()[]{}<>_+-=/|\.,:;`'"?).”

To set up direct deposit at your work, contact your employer's payroll department and provide the following information:

Hughes Federal Credit Union
PO Box 11900
Tucson AZ 85734

Routing Number: 322174944

Your member number and whether the deposit is going into your Checking or Main Share Savings. If the deposit is going into your Daily Savings, please include -08 after your member number.

Social Security recipients can call the Social Security Administration at 800-772-1213 or go to ssa.gov to have funds directly deposited into their Hughes account.

To view a copy of your canceled check, log into online or mobile banking and click on your checking account name, search for the desired check transaction, then View Check.

You may visit one of our branches or call the credit union at 520-794-8341 to place an order for the check copy(ies). Depending on the amount of research needed to complete your request, you may be charged fees – typically $3.00 per check and research fees are $15.00 per hour.

• Visit one of our branches and show valid government-issued identification.
• Request the information by calling our Member Contact Center at 520-794-8341. You must provide your name, phone access password, and answer additional identification questions before our employees release this information to you.
• Locate a copy of your Credit Union statement. Your member number is on the statement.
• Log in to your Online Banking account and view your Accounts page.

Yes. Login to Online Banking, click Accounts > Statements and Documents > Tax Forms and select your current statement. On the drop-down menu at the top, select the tax form.

If you did not receive your tax forms, it could be for one of the following reasons:

• We do not have your correct mailing address on file.
• You did not earn more than $10 in dividend/interest income for the year.
• You did not pay more than $600 in interest on a home equity or mortgage loan.

If none of these three reasons apply to your membership, please call 520-794-8341 to submit a request for a duplicate tax form. Please have your member number and phone access password available when you call.

If you write a check, use your debit card, or have an electronic withdrawal (ACH) overdraw your account, Overdrawn Protection will automatically transfer money from your Main Share Savings to your Checking PLUS or Checking account. This service is free to use.

If you don't have enough money to cover your transaction with any of your Overdrawn Protection accounts, that’s when Overdraft Privilege kicks in – available for Checking PLUS and Checking Accounts. That means Hughes will pay the item for you, saving you the embarrassment and inconvenience of bouncing a check, missing your loan payment, or not being able to pay for your meal. There is a $30 fee for each transaction paid with Overdraft Privilege.

Overdraft Privilege covers checks and electronic withdrawal (ACH) transactions. You can also opt in to extend your Overdraft Privilege to cover ATM and one-time debit card transactions as well by visiting a branch near you or calling us at 520-794-8341.

NOTE: Checking PLUS accounts come with up to $750 Overdraft Privilege and Checking accounts come with up to $600 (including fees). Payment by Hughes is a discretionary courtesy and not a right of the account holder or an obligation of Hughes. Some restrictions apply.

Current loan rates are listed on each Loan Product page. See a comprehensive list of rates on our Rates & Fees page.

You will need to contact the Credit Union in order to calculate your final loan payoff amount, or use the loan payoff tool in your Online Banking account.

• Call the Contact Center at 520-794-8341 during regular business hours
• Submit a message within Hughes Online Banking or Mobile App, or use the Secure Email Portal
• Send your request by Fax to 520-696-4260

You can submit proof of insurance and verify your insurance coverage online. If you need to fax your materials, the fax number is 1-866-736-9183.