Hb Telco Credit Union Huron SD | Best Auto Loans & Business Banking

Introduction

Welcome to Hb Telco Federal Credit Union, your trusted partner in financial growth and stability since 1954. Located at 375 3rd St SW, Huron, SD 57350, we take pride in serving our community with a strong commitment to member satisfaction. With a total membership of 993 individuals, our credit union has become a cornerstone of financial support for families and businesses alike in Huron and beyond. At Hb Telco, we understand that every member's journey is unique. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or business financing, we are here to help. Our total assets stand at an impressive $5,046,909, enabling us to provide robust services tailored to your needs. Under the guidance of our dedicated CEO, Sara Gogolin, and Board President Ervin Huber, our small but effective team of 2 employees works hard to ensure you receive the best possible service. We also maintain a solid financial foundation with $366,633 in total deposits and a net worth of $462,995. While members can visit us at our branch location for all their banking needs, please note that any official correspondence should be sent to the same address: 375 3rd St SW, Huron, SD 57350-1945. Our mission is clear: to empower our members through personalized financial solutions while fostering a sense of community. If you have questions or would like to learn more about what we offer, don't hesitate to reach out at 605-352-6933. Experience the difference with Hb Telco Federal Credit Union where your financial well-being is our top priority!

Branch History & Mission

Community Engagement

Our connection with the Huron community extends beyond financial transactions. We actively engage in outreach efforts that support local initiatives and foster relationships with other organizations. By partnering with schools and non-profits, we aim to uplift those around us while creating opportunities for growth and development.

Join Us!

If you're looking for a credit union that truly values its members and strives to make a positive impact in the community, look no further than Hb Telco. We invite you to join us on this journey towards financial empowerment! Visit us during our lobby hours from Monday to Friday between 9:00 AM and 5:00 PM or give us a call at (605) 352-6933 for more information about how we can serve you better. Together, let's build a brighter future!

Our Legacy

Since opening our doors, Hb Telco has been dedicated to serving our members with integrity and care. Over the years, we have achieved significant milestones that reflect our commitment to community banking. With total assets exceeding $5 million, we are proud to provide personal banking solutions including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. These offerings demonstrate our dedication not only to your financial well-being but also to fostering a strong local economy. While members can visit us at 375 3Rd St Sw Huron Sd 57350, official correspondence should be sent to 375 3rd St SW, Huron, SD 57350-1945. Our location is convenient for residents near landmarks such as the Beadle County Courthouse and Huron Middle School.

Our Mission

At Hb Telco, our mission is simple yet profound: to empower our members through accessible financial services while giving back to the community we love. We believe that everyone deserves a chance to achieve their financial goals without the burden of high fees or unfavorable terms. This belief drives us every day as we strive to provide exceptional service tailored to meet individual needs. We understand the importance of adapting in today's world. That's why we've embraced digital advancements like online banking and e-statements for your convenience. Additionally, our commitment to accessibility means we comply with ADA standards so everyone can easily access our services.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. You'll find ample parking available nearby, including spots designated for those who need closer access. The building is ADA compliant, featuring ramps for easy entry and exit. We want everyone to feel welcome and comfortable while handling their banking needs.

Contact Us

If you have questions or need assistance before visiting us, feel free to give us a call at 605-352-6933. We're here to assist you! We invite you to stop by today and discover how Hb Telco Federal Credit Union can help make your banking experience smooth and satisfying.

Operating Hours

We know life can get busy, which is why we are open from Monday through Friday from 9:00 AM to 5:00 PM. Whether you have a quick question or need assistance with a loan or account service, our team is here ready to help you during these hours.

Services Offered

At Hb Telco Federal Credit Union, we offer a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Plus, enjoy the convenience of online banking that allows you to manage your finances right from home!

Member Eligibility

Joining the Hb Telco family means becoming part of a welcoming community where your financial needs are understood and prioritized. To become a member of Hb Telco, you simply need to meet a few friendly criteria that make it easy for you to join us. Typically, eligibility is open to anyone who lives, works, or worships in our local area, as well as their immediate family members. This creates an inclusive environment where everyone can benefit from our supportive services. Plus, becoming a member opens the door to a range of financial products designed with your best interests in mind from checking and savings accounts to auto loans and personal loans. Getting started is simple! You can visit us at our branch located at 375 3Rd St Sw, Huron, SD 57350, or give us a call at 605-352-6933 for more information. For those interested in detailed eligibility requirements, we invite you to check out our website at http://hbtelcofcu.com. We're excited to help you take this step toward better banking!

Business Banking & Commercial Services

Financing Options for Growth

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.

Merchant Services That Work for You

In today's fast-paced market, having reliable merchant services is crucial. Picture a scenario where your customers can easily pay using their preferred methods while you enjoy quick access to funds. Our merchant services streamline payment processing, allowing you to focus on what you do best running your business. When you're ready to elevate your business operations, visit us at 375 3Rd St Sw Huron Sd 57350 in Huron, SD or give us a call at (605) 352-6933. Let's work together to turn your business goals into reality!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Looking to hit the road in a new car? Our Auto Loans and Vehicle Financing options provide competitive rates and flexible terms. Picture yourself driving off in that dream vehicle without breaking the bank. We guide you through the loan process, ensuring it fits comfortably within your budget.

Business Banking

For entrepreneurs and business owners, we provide tailored solutions under our Business Banking services. From Merchant Services that simplify payment processing to Business Loans that fuel growth, we support local businesses in achieving their objectives.

Convenience at Your Fingertips

In addition to these services, Hb Telco offers convenient features such as ATM and Cash Withdrawal Services, ensuring you have access to cash whenever you need it. Even though we do not have ATMs at our branch, our online banking services make transactions easy from anywhere. To learn more about how Hb Telco can help you achieve your financial goals, feel free to reach out! You can contact us at (605) 352-6933 or visit us at 375 3Rd St Sw Huron Sd 57350 in Huron, SD. Join us today at Hb Telco Federal Credit Union, where we prioritize service with a personal touch!

Credit Cards with Rewards

Looking for rewards on everyday purchases? Our Credit Cards with Rewards offer benefits that let you earn as you spend. Imagine earning cash back or points towards future travel just by using your card for regular expenses.

Mortgage Loans & Refinancing

If homeownership is on your mind, our Mortgage Loans and Refinancing services are here for you. We know that finding a home is just the beginning; getting the right financing makes all the difference. Our team will work with you to find a mortgage solution that aligns with your financial goals.

Personal Banking

When it comes to personal banking, we offer Checking and Savings Accounts designed for convenience and accessibility. Imagine having your hard-earned money working for you while enjoying easy access to your funds. Our accounts come with features that make banking simple, whether you're at home or on the go. You can check your balance and manage your transactions through our Online Banking platform.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. With our Personal Loans and Debt Consolidation, you can manage those costs more effectively. Whether it's funding a special project or consolidating debts for easier payments, we're committed to helping you regain control over your finances.

Digital & Online Banking

Accessibility and Security

We prioritize security in every aspect of our digital banking services. Your personal information is protected with advanced security measures, giving you peace of mind while you bank online. Whether you're checking your balance or making a payment, know that your data is safe with us. In today's fast-paced world, having access to your accounts anytime makes life easier. At Hb Telco, we strive to provide services that enhance your banking experience while ensuring accessibility and ease-of-use are always front and center. Join us today and discover how our digital banking solutions can simplify your financial management!

Key Features

One standout feature is our electronic signature authorization. This allows you to sign documents securely from the comfort of your home, making loan applications or other paperwork quick and hassle-free. Plus, if you prefer paperless options, we offer e-statements that keep your financial information organized and accessible without the clutter of physical mail. For those on the go, our services cater to your lifestyle. While we currently do not have a mobile application or mobile payment options available, our online banking system ensures that all transactions are secure and straightforward. You can manage person-to-person transfers directly through our website whenever needed.

Financial Strength

Commitment to Growth

Our $368,646 in undivided earnings reflect our dedication to reinvesting in innovative banking tools, stronger lending options, and enhanced security measures. We understand that your financial goals matter deeply to you, which is why we work hard to support them. With $157 in used auto loans and $3,815,903 in total loans and leases, our lending capacity supports various needs across the community. This diverse portfolio helps us meet your financial aspirations while keeping us financially robust.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Hb Telco is your trusted partner. Visit us at 375 3Rd St Sw Huron Sd 57350 or call (605) 352-6933 to learn more about how we can help you achieve your financial goals.

Financial Health Overview

With a net worth of $462,995, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.17% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Member Savings and Investments

Members' savings are secured through $1,445,542 in share certificates, offering stable and rewarding financial growth opportunities. While we focus on our members first, it's also important to note that our resources are directed toward benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our ability to generate income is reflected in our $-$14,181, showcasing operational efficiency that allows us to offer competitive loan rates and solid financial products for our members. We take pride in having 2 full-time employees ready to assist you with any questions or needs you may have.

Trust Built on Transparency

We believe transparency builds trust. That's why we openly share our performance insights sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,443,632 in used vehicle loans and $652,778 in new vehicle loans already helping members get on the road. We have flexible terms that can suit your budget and lifestyle.

Credit Lines

For those who need a bit more flexibility, our total credit lines available amount to $750,000. This option allows you to access funds as needed while only paying interest on what you use. At Hb Telco, we're committed to providing personalized service. Our team is ready to discuss refinancing options and help determine your eligibility for our loan products. If you have questions or need assistance, don't hesitate to reach out at 605-352-6933. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're ready to take the next step towards fulfilling your financial aspirations, visit us at 375 3Rd St Sw Huron Sd 57350 or check out our website http://hbtelcofcu.com. We're here to support you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently have no Junior Lien 1-4 Family Residential Properties loans, we're dedicated to assisting you in exploring various financing routes for your dream home.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, although we currently have no outstanding amounts in this category. These cards can provide you with a convenient way to manage expenses and build your credit history.

Loan Aggregator

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HB TELCO FEDERAL CREDIT UNION - Huron, SD

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