Benefits of Membership


Time after time, studies show that credit unions, on average, offer the best service at the lowest cost. This is due to our not-for-profit status, hard-working volunteers, and lower operating costs. We act in your best interest and use our earnings to benefit our members: delivering lower loan rates, higher dividend rates, fewer and lower fees, and one-on-one personalized service. Compare for yourself and you'll see that more often than not, HFCU can help you get the most for your money.

Quality Service

At HFCU, our friendly and professional staff pride themselves on delivering a high level of one-on-one personal service – everyday! Each member, regardless of their income or the size of their account, receives the same exceptional service.

Safe & Sound

HFCU provides a safe place for your hard-earned savings. Member deposits are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. This insurance applies to the total funds you have in your share savings, share draft, and share certificate accounts. In addition, retirement accounts are insured separately up to $250,000.