About Us

Credit Union: A Great Investment

Being a member of the HMSA Employees' Federal Credit Union is priceless.

Since 1961, members of the HMSA Employees' Federal Credit Union have benefited from its many products and services. Being a not-for-profit, the credit union is able to use funds to help members improve their financial health.

Your money is safe when it's in the credit union because all funds are federally insured up to $250,000.00 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA).

As a member, you "own" HMSA Employees’ FCU, and you elect a board of directors in a democratic process. The directors, who are volunteers, establish and approve plans and operational policies. Your credit union pays one of the highest dividend rates in the state on savings, and charges very low interest rates on loans. While credit unions offer many of the same products and services as other financial institutions, they may use different terminology, such as "Share Account" instead of "Savings Account", "Share Draft Account" instead of "Checking Account", or "dividends" instead of "interest".

You can request loans to consolidate bills, purchase new or used cars and motorcycles, finance education expenses or a vacation, establish a Home Equity Line of Credit, or to finance any other financial need - all at excellent rates. Loan rates are published in our quarterly newsletter that's mailed to members and are also available via TellerTalk (a voice-response banking system).

Applying for a loan is easy, simply call or visit the credit union to request a loan application. Once you apply, a credit union loan officer will then review the application, maintaining confidentiality at all times.

Paying for loans is also convenient, and may be done via Direct Deposit, automatic transfers from your credit union Savings or Checking Account, mail, Teller Talk, Online Banking, or in-person.