Personal Loans

These funds can be used for debt consolidation, medical and dental expenses, weddings or for any worthwhile purpose.

…low fixed rates
…terms up to 5 years
…maximum amount $20,000.

Vehicle Loans

HCFCU offers some of the lowest vehicle loan rates around, apply for a preapproval before you go shopping to secure your financing.  Use the search engine to explore thousands of vehicles being offered at your local dealers.

…low fixed rates
…terms up to 72 months
…maximum loan amount $50,000.

Boat Loans/Motorcycle Loans

…low fixed rates
…terms up to 72 months

Short Term Loans

This loan is designed for vacation plans or smaller expenses that can be paid off in one year.

…loan rates
…maximum amount $10,000.

Parent/Student Loans

College dreams can come true and the HCFCU can help with a low cost low to finance education related expenses.

…low fixed rate
…terms up to 84 months

Home Loans

Use the equity in your home to finance your plans such as home improvements and education expenses.  You can choose from a Fixed Rate Home Equity Loan and you will get your funds right away, or the flex ability of a Home Equity Line of Credit where you write checks as you need them.

…low rates
…terms up to 240 months
…closing costs are paid by the Credit Union (loan must remain active for at least 5 years or closing costs will have to be repaid)

Overdraft Line of Credit

Add the security of having the funds you need when you want them by adding the overdraft line of credit to your checking account.

…no interest charges until you use the funds
…cover checks, ACH, ATM/Debit transactions
…no access fees

Share Secured Loans

Secure some or all of your funds in your share account and receive an exceptionally low loan rate for HCFCU’s share secured loan.

…get the funds immediately
…terms up to 72 months


Apply online at, in person at the Credit Union office at St. Francis Hospital or call the office at 516-562-6650.


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