Business Details
Your Trusted Credit Union Partner in Richmond Heights
Health Care Family Credit Union is a member-owned, not-for-profit cooperative financial institution dedicated to helping individuals and families achieve their financial goals. With over two decades of service, we prioritize personalized attention and community-focused banking. Our comprehensive range of services includes checking and savings accounts, personal and vehicle loans, home mortgages, and credit card options. We operate under the core principle of 'people helping people,' ensuring competitive rates, low fees, and exceptional customer service. Our team of experienced professionals is committed to providing tailored financial solutions that meet the unique needs of healthcare workers and their families.Through our participation in the Credit Union Shared Branch Network and CO-OP ATM Network, we offer nationwide accessibility with over 5,100 branches and 30,000 surcharge-free ATMs. We emphasize financial education through tools like our My Money Manager platform and Save My Change round-up program. Our commitment to transparency ensures no hidden fees, with clear communication about all services and policies. Backed by NCUA federal insurance and Excess Share Insurance Corporation coverage up to $500,000, we provide secure financial management. Our mobile and online banking platforms enable convenient 24/7 account access, while our local branches maintain a personal touch through face-to-face interactions.
Services
Checking Accounts
Savings Accounts
Vehicle Loans
Personal Loans
Credit Cards
Home Mortgages
Mobile Banking
ATM Access
Financial Calculators
Loan Applications
Highlights and features
- Member-owned cooperative prioritizing customer needs over profits
- Competitive loan rates and higher savings dividends than traditional banks
- Personalized financial solutions tailored to healthcare professionals
- Nationwide access through 5,100+ shared branches and 30,000 ATMs
- Financial education tools including My Money Manager and Save My Change program
Associations and certifications
- NCUA Federal Insurance
What people say
Friendly & professional staff
Lower rates than banks
Personalized financial solutions
20-year loyal member
Helps community healthcare workers
Services
Checking Accounts
Our checking accounts provide flexible financial management solutions with no monthly fees or minimum balance requirements. Classic Checking offers unlimited transactions with only check printing costs, while Gold Checking rewards $750+ balances with dividends. Fresh Start Checking helps rebuild financial stability with a low $10 monthly fee that converts to free service after 12 months of responsible management.
Savings Accounts
We offer multiple savings options including Primary Savings with $5 minimum opening deposit and Secondary Savings accounts for specific goals. Christmas Club and Wish Club accounts help plan holiday spending and large purchases with automatic deposits and penalty-free withdrawals. All accounts benefit from NCUA insurance up to $500,000 through combined federal and excess share coverage.
Vehicle Loans
Our vehicle loan programs cover new/used cars, trucks, SUVs, boats, motorcycles, and RVs with terms up to 84 months. Competitive rates start at 5.79% APR with no prepayment penalties. We offer GAP coverage for total loss protection and mechanical breakdown insurance for unexpected repair costs, with fast pre-approvals through online applications.
Personal Loans
Flexible personal loans help with debt consolidation, weddings, or major purchases. Competitive rates and terms accommodate various credit profiles. Electronic signature applications streamline approval, with funds available quickly for urgent needs. No prepayment penalties allow early payoff without additional charges.
Credit Cards
Our credit card options include Visa Platinum, Visa Gold, and MasterCard Classic with fixed rates starting at 10.9% APR. ScoreCard Rewards program earns points on purchases redeemable for merchandise and travel. No annual fees, balance transfer fees, or hidden charges apply to these member-focused credit solutions.
Questions
Who can join Health Care Family Credit Union?
Membership is open to healthcare workers, their families, and associated professionals. Contact us for specific eligibility requirements.
What loan types do you offer?
We provide vehicle loans, personal loans, home mortgages, home equity lines, and share-secured loans with competitive rates.
How do your rates compare to banks?
As a not-for-profit credit union, we typically offer lower loan rates and higher savings dividends than traditional banks.
Can I access accounts online?
Yes, our Virtual Branch platform provides 24/7 online banking with bill payment, mobile check deposit, and account management tools.
Are my deposits insured?
All deposits are insured up to $500,000 through combined NCUA federal insurance and Excess Share Insurance Corporation coverage.
Do you have mobile banking options?
Yes, our mobile app enables check deposits, transfers, bill payments, and account monitoring from smartphones and tablets.
