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- HCU Credit Union
NONPROFIT
OPERATIONS
NONPROFIT
Pursuant to the provisions of Sections 508(a)(1) and 170(b)(1)(A)(vi) of the Internal Revenue Code, HCU Federal Credit Union operates as a nonprofit financial cooperative exempt from federal income tax due to its charitable and educational purpose in serving its members.
COMMUNITY
OPERATIONS
NONPROFIT
HCU Federal Credit Union lives by the philosophy of “people helping people,” actively supporting local schools, charities, and community programs. It provides scholarships, grants, financial education, and volunteer support to foster community growth and member well-being.
OPERATIONS
OPERATIONS
OPERATIONS
The Credit Union operates as a federal chartered organization under the Federal Credit Union Act but receives funding and support from sponsors like Hope Enterprise Corporation, enabling it to broaden its mission to serve communities through community development financial institution (CDFI) programs.
MISSION
PARTNERSHIP
PARTNERSHIP
Mission Statement
HCU Federal Credit Union’s mission is to strengthen communities, build assets, and improve lives—especially in economically distressed areas—by providing access to high-quality financial products and related services. The credit union emphasizes equal access to economic opportunity, a commitment to excellence, and operat
Mission Statement
HCU Federal Credit Union’s mission is to strengthen communities, build assets, and improve lives—especially in economically distressed areas—by providing access to high-quality financial products and related services. The credit union emphasizes equal access to economic opportunity, a commitment to excellence, and operating as a bridge builder to support broad community development
PARTNERSHIP
PARTNERSHIP
PARTNERSHIP
Partnership Statement
HCU Federal Credit Union Its collaborative approach amplifies impact, expands financial services, and promotes the growth of charities, schools, and nonprofits throughout the region. These partnerships support mutual success, drive community initiatives, and align with the credit union’s philosophy of “people helping people”
DIRECTIVES
PARTNERSHIP
DIRECTIVES
Directives Statement
The institution requires rigorous stewardship of resources, transparent and ethical operations, and continuous innovation to improve service delivery. Its directives guide the organization to comply with both federal and local regulatory standards, advance community support through grants and scholarships, and foster financial health among members and local businesses.
Credit Cards
Business Loans
Business Loans
"HCU Federal Credit Union credit cards deliver low, competitive rates, no annual fee, flexible rewards on every purchase, and enhanced security features. Members enjoy benefits such as cash back, travel rewards, and robust account protections designed to fit everyday life and spending needs."
Business Loans
Business Loans
Business Loans
"HCU Federal Credit Union business loans empower local businesses with competitive rates, tailored repayment options, and rapid funding solutions. From start-ups to established companies, HCU supports growth and community development through accessible financing, expert guidance, and dedicated relationship management."
Personal Loans
Business Loans
Personal Loans
"HCU Federal Credit Union personal loans offer affordable borrowing options with fixed rates, flexible terms, and a straightforward application process. Whether consolidating debt, covering unexpected expenses, or reaching new goals, members benefit from fast decisions and personal service to help them succeed."
