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VEHICLE LOANS
REAL ESTATE LOANS
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INSURANCE AND BENEFITS
  Vehicle Loans

New and Used Auto, Boat, RV and Motorcycle Loans
If you take a close look at the auto manufacturers’ so-called “zero percent financing,” you’ll see that it is no bargain! The credit union offers no-hassle auto, boat, RV and motorcycle loans with no hidden charges, convenient terms, no prepayment penalties and at some of the lowest rates in town. Just compare the numbers for yourself!

We offer pre-approved financing which lets you determine how much you have to spend so you may shop around as a cash buyer.

  New Autos

  • Terms up to 72 months
  • Borrow up to 100% of the purchase price including the warranty
  • Refinance your existing loan from another financial institution at HCFCU and enjoy our low new auto loan rates

  Used Autos

  • Terms up to 60 months
  • Borrow up to 100% of purchase price including the warranty
  • Collateral loans are available
  • Refinance program on your used vehicle – just bring us your existing loan from another financial institution
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Enterprise Car Sales
Looking for a great deal on a used vehicle? Look no further than Enterprise Car Sales! Enterprise offers certified, pre-owned vehicles that must pass a 109-point inspection. You get a 12-month, 12,000 mile limited warranty at no extra cost, and you can return your vehicle within seven days or 1,000 miles if not completely satisfied (some restrictions apply).

 

Credit Union Lending Systems (CULS)
Our Credit Union Lending Systems program makes it easier than ever to finance with the people you already know and trust—the credit union. Simply choose your vehicle, tell the dealer that you're a member of our credit union and you would like to finance through Credit Union Lending Systems.

There are over 160 participating dealers, and most dealers are able to process your loan right at the dealership at no extra charge!

Reposessed Autos For Sale

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Real Estate Loans

Mortgages
Health Care Family Credit Union has partnered with First Integrity Mortgage Services for our members’ mortgage needs. Your membership means you have access to the best lending programs around. Whether you are a first-time home buyer, are purchasing a larger home for a growing family, want to reduce your monthly payments by refinancing your home, or want the unique benefits of a reverse mortgage, we have a program that will fit your needs.

For more information on our Mortgage products, view this PDF.

Home Equity Loans
Put your home to work for you! We offer Home Equity Lines of Credit (HELOC) or Fixed-Rate Home Equity Loans based on your home’s accumulated equity. Borrow up to 100% of the equity with a maximum credit limit of $300,000. The interest you pay on the loan may even be tax deductible (consult your tax advisor for details)! Little or no fees apply, and you can use the funds for home improvements, bill consolidation, a child’s education – the possibilities are endless!

Credit Cards

VISA® Platinum, VISA® Gold, & MasterCard® Classic
Enjoy the worldwide acceptance and convenience of our VISA Platinum, VISA Gold and MasterCard credit cards. All three cards feature flexible credit limits, a 25-day grace period on all purchases, and fixed rates as low as 8.9% APR*.

Plus you will earn Reward points for every dollar you spend and can then redeem them for merchandise or travel.

Our balance transfer option lets you save immediately on higher interest charges and fees by transferring your non-HCFCU credit card balances to a Health Care Family Credit Union credit card.

You can access your credit card account information 24/7 at EZ Card Info.

* APR = Annual Percentage Rate

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Consumer Loans

Personal/Signature Loans
These affordable, unsecured loans are designed to provide you with quick cash to use any way you wish, including debt consolidation, or large purchases such as appliances or computers. Your good credit and a signature are the only requirements for a personal loan.

Share Secured Loan
Lower your rate even more by using your savings to secure your loan. It’s the fast and convenient way to get the best rate possible.

RATES CALCULATOR APPLY NOW

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Low Cost Insurances, Coverages and Benefits

Payroll Deduction
A credit union exclusive, it's the easiest and safest way to conduct your credit union business. Use Payroll Deduction to effortlessly repay your loan. You can choose the amount you want deducted from your paycheck and the credit union will take care of the rest automatically.

Credit Life Insurance
Credit Life Insurance will pay off your remaining credit union loan debt in the event of your death, thus avoiding any financial burdens for your beneficiaries. (Certain restrictions apply.)

Credit Disability Insurance
Credit Disability Insurance makes your credit union loan payments in the event you are unable to work due to a disability. (Certain restrictions apply)

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