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A Message from AHCU's CEO/President Theresa Malone

Dear Members,

I wanted to take a moment to thank you for your patience and continued patronage as we are making changes to the way we conduct business during the pandemic.

I am truly amazed at the resiliency of our staff and members during this uncertain time. Thank you for adapting along with us to make sure things go as smoothly as they can. More importantly, I hope you and your families are staying healthy.

Many of you are wondering when you will be able to visit us in person again. We are currently working on getting our lobbies ready with safety measures in place for your safe return.

Although our doors are closed, all of our branches are staffed with employees to assist you as needed, and will soon be available for appointments. We have night drop boxes and ATMs available for you to use. We also have two full-service drive-ups, in Eagan and Woodbury, that can assist you.

We anticipate opening in the near future and will keep you updated to when our lobbies are open.

We truly appreciate your business and your patience during this uncertain time. We are here to serve you. Our phones have extended hours to assist you with all your financial needs.


Theresa Malone


As we progress through the Coronovirus pandemic, we're putting the health, safety, and well-being of our staff and our members first. Below you will find information regarding our branches, how we are here to assist, and other resources to keep you informed.

AHCU Branches and Hours

  • Lobbies are closed until further notice. We will make every effort to reopen our branches to member traffic when we are assured of the safety and well-being of our members and employees.
  • Extended Phone Hours: Monday, Tuesday, Thursday 8AM-5PM, Wednesday 9AM-5PM and Friday to 7:30AM-5PM.
  • Drive thru located at our Eagan branch 1460 Yankee Doogle Rd, Eagan MN 55121 has extended hours of: Monday-Thursday 9:00AM-5PM, and Friday 7:30AM-5pm.

You may also utilize the night drops located at each of our branch locations:

  • Saint Paul Office located to the left of the lobby entrance OR at our Service Center in the lower level tunnel connecting the Doctor's  Professional Building to United Hospital.
  • Eagan Office located on the side of the building in our drive thru.
  • Coon Rapids located to the left of the lobby entrance.
  • Fridley located outside at the South entrance of the Professional Building.
  • Minneapolis located to the left of the lobby entrance. 

Contact Us 

Although our doors are shut, we are still here to serve you. Call 651-383-4000 during our extended phone hours or start a live chat at You may also send us a secured message through the Self Service tool within your online banking. 

Mail Service

Mail service may be impacted during COVID-19. Do you have electronic statements with us? If not, sign up for eStatements within online banking for easy access to your statements. Plus, to celebrate Earth Day we will give you $5 for signing up for eStatements in April or May.

Go to online banking to enroll. 

For members who typically send loan payments via mail, have you tried our online loan payment processing? Simply make your payment online instantly with a debit card or account number for a fee of $4.95. 

We can also work with you to set up an automatic payment from another financial for free. Simply call us to get this set up. 

Go to our online loan payment tool.

24/7 Account Access 

Online & Mobile Banking

You may access your accounts online at or by using the AHCU Mobile app at your convenience. From these two resources you can make payments, view transactions, check balances, find an ATM, apply for and close a loan, and more. 

You may also utilize Remote Deposit Capture through our AHCU Mobile app. 

If you haven’t enrolled in online banking, it only takes a few minutes. Enroll here.

Watch our Mobile Banking video tutorial for features and instructions. 

Watch our Mobile Check Deposit video tutorial for features and instructions.

Online Account Opening & Loan Applications

You may still open additional accounts and apply for loans using our 24/7 online application. Most accounts and loans can be completed without the need to visit a branch. Open an account or apply for a loan now. 

ATM Access

Access any of our AHCU ATMs and well as over 30,000 surcharge-free ATMs nationwide. Click here to find a location or ATM near you. 

Debit & Credit Cards

All AHCU credit and debit cards will continue to works as usual. 

You may also utilize our AHCU Card Manager app to gain control and access to both your debit and credit cards. You may find this app in both Apple and Android stores. 

Telephone Banking and Chat

We are prepared to take your calls during regular business hours at 651-383-4000. You may also reach us via chat on our website at

For 24/7 automated telephone banking please call the Heartline at 1-877-622-0855.

We are here to help

We understand the uncertainty behind our economy causes rises concerns to our members financially. We are here to help you during these challenging times. 

  • Utilize our Loan Deferral Program. This program allows for three payment deferrals at any time during a loan. 
  • Our rates remain low. Our lenders are available to help you evaluate if a refinance could be of benefit to you. 
  • No payments on new loans for 90 days.
  • AHCU Partners with local FamilyMeans. FamilyMeans helps families with counseling, therapy, caregiver support, debt and financial management, and grief support in Minnesota. They are offering extended phone services during this time and can be reached at 651-439-4840.


We can help you find ways to reduce payments and/or prioritize spending. We also offer a free tool dedicated to budgeting and setting financial goals. 

Click here for more information on My Financial Pul$e.

Skipping or Adjusting Loan Payments

Depending on your situation, we may have a solution related to your payment. Since this is based on a case by case basis, we request that you call us to discuss your options. 


On March 21, 2020, the Treasury Department and Internal Revenue Service announced that the date to file and pay federal income taxes has been extended to July 15, 2020. The new deadline includes prior-year contributions to Traditional IRAs, Roth IRAs, HSAs, Archer MSAs, and SEPs.

You may visit for more information on the Coronavirus Tax Relief.

Stimulus Payments

The U.S. Treasury has agreed to send a stimulus payment to taxpayers. These payments include:

  • $1,200 for individuals, or $2,400 for married couples
  • $500 for each qualifying child

You’re eligible for full stimulus payments if you’re a taxpayer with an income of $75,000 or less, or a total of $150,000 for married couples.

How much will you receive from the stimulus bill? Calculate how much you can expect to receive here. 

Follow the Internal Revenue Service (IRS) has the most up-to-date information regarding how, where, and when the payments will be sent. Vist the IRS Coronavirus Tax Relief page for up to date information. 

Click here to track the status of your stimulus payment.

Protecting Your Financial Information

Not only do we care about your well-being, we care about your safety and financial security. Keep informed on new scams connected to the Coronavirus here.

Things to Look Out For 

  • Spam emails containing links to enter account information or your social security number. There are many emails targeting consumers to enter their account information in order to receive their stimulus check. These have been proven to be a scam.
  • Emails asking for donations related to the virus.
  • Emails coming from financial institutions that look to be your financial institution or unfamiliar senders. If you receive an email from us that doesn't seem "right" please contact us immediately. 
  • Watch out for phone calls asking for private information such as your social security number or online banking credentials. Legitimate organizations will never ask for this information over the phone.

Kasasa Protect

We offer a comprehensive identity protection and restoration solution that employs around-the-clock monitoring for fraudulent activity and immediately alerts you to any suspicious activity as well as: 

    • 24/7 credit monitoring
    • Annual credit reports
    • Monthly credit score and tracker
    • Dark web monitoring
    • Lost wallet protection
    • Identity restoration

Click here for details on Kasasa Protect.

We Are Here For You

Please continue to use our digital services

Looking for ways to show your support? Join us in the #HeartsForHealthcareWorkers movement. A social media movement started to promote social distancing while supporting our healthcare professionals. Click here to find out how you can get involved!

We know that our members are feeling overwhelmed and we are here to support you. We want you to know that we appreciate all that you are doing to take care of our families, colleagues, friends, and communities.

If you have any additional questions or concers, please contact us.