Haverhill Fire Department Credit Union MA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Haverhill Fire Department Credit Union, where your financial wellbeing is our top priority! Located at 75 Kenoza Ave, Haverhill, MA 01830, we have proudly served our community since 1933. With a dedicated team of five employees led by our CEO, David Butt, and Board President, Eric Tarpy, we are committed to providing personalized service and financial solutions that meet the unique needs of our members. At Haverhill Fire Department Credit Union, we believe in building strong relationships with our members. Currently, we serve over 1,255 members, offering a range of products including checking and savings accounts, auto loans, personal loans, and business banking services. Our total assets stand at an impressive $24,555,948, with total deposits amounting to $2,586,477. We take pride in maintaining a strong net worth of $2,473,022, ensuring that your money is not just safe but also working hard for you. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to the same address: 75 Kenoza Ave, Haverhill, MA 01830-4132. Our focus is not just on numbers; it's about making a positive impact in our community. Whether you need help financing your next vehicle or looking to manage your budget effectively, we're here to support you every step of the way. Have questions? Don't hesitate to reach out! Call us at 978-372-8833 or visit our website at hfdcu.com to learn more about how we can assist you in achieving your financial goals. Join us today and experience the difference of being part of a credit union that truly cares!

Branch History & Mission

At Haverhill Fire Department, we take pride in our rich history and unwavering commitment to the community. Established in 1933, our credit union has been a trusted financial partner for nearly a century. Nestled at 75 Kenoza Ave, Haverhill, MA 01830, we have grown alongside our members and the local community, evolving to meet their needs through various stages of life. Over the years, we have expanded our services and strengthened our mission: to provide accessible financial solutions while fostering a sense of belonging among our members. Today, with a membership base of over 1,255 individuals and total assets amounting to $24,555,948, we stand strong as a pillar of support in Haverhill. Our mission goes beyond just offering financial products. We aim to empower our members by providing education and resources that promote financial wellness. Whether it's helping someone secure an auto loan or guiding them through the mortgage process, we strive to make every interaction meaningful. Our commitment extends to community outreach initiatives, where we actively participate in local events and partner with organizations that share our values. While members can visit us at 75 Kenoza Ave Haverhill Ma 01830, official correspondence should be sent to 75 Kenoza Ave, Haverhill, MA 01830-4132. We are dedicated to ensuring that everyone feels welcome at our branch during our operating hours: Monday, Tuesday, Wednesday, and Friday from 8:30 AM to 2:00 PM, with extended hours on Thursday until 6:00 PM. As we look towards the future, we continue to embrace technological advancements that enhance member experience while maintaining compliance with ADA standards. Our customer-centric initiatives include online banking options and mobile payments, allowing members to manage their finances conveniently. We invite you to join the Haverhill Fire Department family and discover the benefits of being part of a community-focused credit union. Experience personalized service and support tailored to your unique financial journey. Reach out to us today at (978) 372-8833 or visit our website at hfdcu.com to learn more about membership opportunities!

Branch Location & Accessibility

Call-to-Action

We look forward to welcoming you at Haverhill Fire Department! Stop by today or reach out via phone for any inquiries. Your financial journey matters to us!

Nearby Landmarks and Accessibility

Finding us is easy! You can spot us near notable landmarks like [insert nearby landmark if applicable], making it a breeze to stop in while you're out and about. Our location also offers ample parking, so you won't have to worry about finding a spot when you visit. For those who require additional support, our branch is fully accessible, featuring ADA-compliant ramps to ensure everyone can access our services without hassle.

Operating Hours and Services

We invite you to visit during our friendly operating hours: Monday, Tuesday, Wednesday, and Friday from 8:30 AM to 2:00 PM, and Thursday from 8:30 AM to 6:00 PM. Our staff is always ready to assist you with personal banking needs such as checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and much more. While we currently do not have ATM services or drive-thru banking available at this location, we offer robust online and mobile banking options for your convenience. If you have any questions or need assistance with your financial needs, don't hesitate to give us a call at (978) 372-8833.

Member Eligibility

Becoming a member of Haverhill Fire Department is like joining a welcoming family that truly cares about your financial journey. If you live, work, or worship in the Haverhill area, you're already on your way to enjoying the benefits of membership! Whether you're looking for personal banking services, auto loans, or even mortgage options, we've got you covered. Our community-focused approach means that you'll receive personalized service every step of the way. For more detailed eligibility criteria, feel free to check out our website at https://hfdcu.com/about-us/membership/ . Ready to get started? Opening an account with us is straightforward and quick! Just visit our account opening page at https://www.realtimehomebanking.com/enroll.aspx?clientid=67710 , and you'll be on your way to experiencing the many advantages of being part of Haverhill Fire Department. If you have any questions or need assistance, don't hesitate to reach out to us at (978) 372-8833. We're here to help you thrive!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable partner to handle your payment processing needs. Our merchant services make it easy for you to accept payments seamlessly, whether in-store or online. This not only enhances customer satisfaction but also helps streamline your operations so you can focus on what you do best growing your business. At Haverhill Fire Department, we are dedicated to providing the resources and services that empower you to thrive. Contact us today at (978) 372-8833 to learn more about how we can help your business reach new heights!

Tailored Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make it easier for you to hit the road without breaking the bank. We understand that purchasing a vehicle is a significant investment, so we provide competitive rates and flexible terms to fit your budget. Picture yourself driving away in that dream car, knowing you secured a great deal through Haverhill Fire Department.

Business Banking Services

Small business owners will find valuable support through our business banking services. From merchant services that facilitate transactions smoothly to business loans tailored for growth opportunities, Haverhill Fire Department stands as a partner in your entrepreneurial journey.

Credit Cards with Rewards

For those who enjoy shopping or traveling, our credit cards come with rewards that benefit you while making purchases. Every swipe gets you closer to earning points for travel or cashback offers it's like getting rewarded for spending!

Mortgage Loans & Refinancing

If homeownership is on your mind, our mortgage loans and refinancing options can turn that dream into reality. We guide you through the process, ensuring you understand each step along the way. Whether you're buying your first home or looking to refinance an existing mortgage, we have solutions that cater to all types of homeowners.

Online & Mobile Banking

In today's fast-paced world, convenience matters more than ever. That's why we offer robust online and mobile banking features that allow you to manage your finances anytime and anywhere. With just a few taps on your phone or clicks from your computer, you can check balances, transfer funds, pay bills, and more all from the comfort of home. Our commitment extends beyond traditional banking hours; we're here for you during our lobby hours: Monday, Tuesday, Wednesday, and Friday from 8:30 AM to 2:00 PM and Thursday from 8:30 AM to 6:00 PM. If you're ready to experience all these benefits firsthand or have any questions about how we can assist you further, don't hesitate to reach out! Call us at (978) 372-8833 or visit us online at Main Office. Join us today at Haverhill Fire Department where community meets convenience!

Personal Banking Solutions

Whether you're looking to open a new checking or savings account, Haverhill Fire Department has you covered. Our personal banking options are designed with your everyday needs in mind. Imagine having a secure place for your funds where you can easily access them whenever necessary. With our checking and savings accounts, managing your money is straightforward and convenient.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but with our personal loans, you can tackle those challenges head-on. From covering medical bills to funding a special occasion, our loans provide quick access to cash when you need it most. Additionally, if you're juggling multiple debts, consider our debt consolidation services; they can simplify your payments and potentially lower your interest rates.

Digital & Online Banking

E-Statements for Easy Tracking

Keeping track of your finances is crucial, which is why we offer e-statements. Opting for electronic statements means you'll receive your account information faster and reduce paper clutter it's both eco-friendly and efficient! Experience the ease of digital banking at Haverhill Fire Department where managing your finances is just a click away! For more information about our services or to get started today, visit us online at https://hfdcu.com/ or call us at (978) 372-8833.

Mobile Application and Features

Our mobile application makes banking even easier! Available for download, it allows you to manage your accounts on the go. You can also take advantage of our mobile payments feature, which lets you make purchases quickly and securely using your smartphone. Plus, with person-to-person transfers, sending money to friends or family has never been simpler.

Online Banking Services

With 24/7 online banking available at https://hfdcu.com/ , you can check your account balances, transfer funds, and pay bills with just a few clicks. This means no more waiting in line or rushing to the branch before closing hours. You have full control over your finances right at your fingertips!

Security and Convenience

While convenience is essential, we know security is just as important. Although we currently do not offer electronic signature authorization, our systems are built with robust security measures to keep your information safe. Enjoy peace of mind knowing that your data is protected while you bank online.

Financial Strength

Dedicated Team

We take pride in having 4 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Our staff is here to help you navigate your financial journey with care.

Efficient Operations

Our operational efficiency is reflected in our net income of $0 this period. We are committed to maintaining effective practices that allow us to continue offering competitive loan rates and solid financial products for our members.

Growing Membership Base

Total Share Accounts stand at 2,575, showing a strong and growing member base that trusts us with their finances. This level of engagement reflects the confidence our community has placed in Haverhill Fire Department. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Haverhill Fire Department is your trusted partner. Visit us at 75 Kenoza Ave Haverhill Ma 01830 or call 978-372-8833 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $8,186,250 in share certificates, offering stable and rewarding financial growth opportunities. This commitment to securing your deposits means you can save confidently with us. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Growth

With $2,473,022 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity for lending is evident as we manage $17,311,863 in total loans and leases, which supports members' financial goals across various sectors.

Solid Financial Health

With a net worth of $2,473,022, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.07% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,138,438 in used vehicle loans and $3,170,907 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive rates designed to fit your budget.

Credit Lines and Unsecured Loans

For those needing quick access to funds or looking for flexibility, we also offer credit lines with a total of $300,000 available. Additionally, we provide unsecured credit card loans, helping our members manage their finances effectively though currently, we have $0 issued in this category.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $221,926, make buying or refinancing simple. We provide personalized assistance to ensure you find the right mortgage solution that fits your financial situation.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, our team can assist you in evaluating your options. We'll help determine if refinancing could save you money or improve your cash flow. Our goal is to provide accessible and affordable lending solutions tailored to your specific needs. With competitive rates and personalized service, we aim to make borrowing straightforward and stress-free. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results, feel free to explore our offerings online or visit us at our branch. We're here to support your financial journey!

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HAVERHILL FIRE DEPARTMENT CREDIT UNION - Haverhill, MA