Member Perks

Access your paycheck sooner than your expected payday. It's free! When you have direct deposit with HCP Credit Union, you can automatically get your funds up to two days early. Terms Apply.

Learn more about Early Pay

This free service rounds up each debit card transaction to the nearest dollar and drops the difference into a special “Change Jar” savings account. Sign up!

Mastercard Credit Card program with 1% Cash Back Rewards and No Annual Fee. Learn More / Apply Online

Help your teen learn responsible financial habits with our Award Winning Program!

This unique opportunity offers teens age 13-17 and students age 18-23 (who are dependents and enrolled in college or continuing education) the ability to build credit while in school. Teen and Student accounts require a parent or guardian as a joint owner. Learn More about our Teen Program

Start with a 30 minute call for judgment-free guidance. You may be able to:

• Save money on your loans

• Lower your monthly payments

• Learn how to get out of debt faster

• Learn how to increase your credit score

You may be able to skip up to two payments a year on eligible loans.

Increase confidence when you buy your next used car with a CARFAX* Vehicle History Report™. Learning more about a car’s ownership, service and accident history can help you avoid costly issues down the road. With an Auto Loan from HCP Credit Union, you'll get access to a free CARFAX report at the time of loan approval.

Drive with confidence, knowing we’ve got your back. A breakdown can be troubling enough without the added worry of expensive repairs. That’s why we’re pleased to bring you Mechanical Repair Coverage.

Affordable financial protection against the unexpected.

• GAP Insurance

• Debt Protection and Life Plus

Are you covered? The Credit Union has insurance resources for you!

Life Insurance: Get life insurance coverage that fits your unique needs. Life insurance can help ease financial pressure for your family in the event of an unexpected death.

Disability Insurance: Help protect your family's financial future. If you were to become disabled due to an illness or injury, how would your cash flow be affected?

Long Term Care Insurance: Help protect what’s important in your life. Planning for a long-term care event helps protect your financial future, and helps your family make difficult decisions during an emotional time.

Let your family in on a good thing: Membership with HCP Credit Union

If you are a credit union member, members of your immediate family and household are eligible to join!

From exceptional member service, great loan rates, and 24/7 account access to our products and services, we are more than a credit union - we are here to help you gain a financial advantage.

And the best part is, you get to share it.

We offer a free notary service to our Members!