Healthcare Services Credit Union Chattanooga TN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Healthcare Services, your trusted financial partner in the heart of Chattanooga, TN! Established in 1952, we have proudly served our community for over seven decades. Located at 946 E 3Rd St, Chattanooga, TN 37403, our main office is here to provide you with a variety of services tailored to meet your financial needs. At Healthcare Services, we understand the importance of community and personal touch. With a membership base of over 3,154 individuals and families, we are committed to fostering financial wellness among our members. Our total assets amount to an impressive $23,249,184, reflecting our strong position within the industry. We take pride in offering personalized banking services including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. While you can visit us at our branch location for any inquiries or transactions, please note that official correspondence should be directed to the same address: 946 E 3rd St, Chattanooga, TN 37403-2101. Our leadership team is dedicated to your success. Led by CEO Shannon Walters and Board President Fred Gault Jr., we strive to create an environment where members feel valued and empowered. Our team of 8 employees is always ready to assist you in navigating your financial journey. With total deposits reaching $2,415,852 and a net worth of $3,658,147, we are well-equipped to support both your personal and business banking needs. Whether you're looking for loans or planning for retirement, our comprehensive services cater to all aspects of financial health. We invite you to explore what we have to offer by visiting our website at www.hscu.net or giving us a call at 423-242-4728. Join us today and experience the benefits of being part of a community-focused credit union that truly cares about its members!

Branch History & Mission

Accessibility and Support

Healthcare Services is dedicated to ensuring that everyone has access to essential financial resources. Our facilities are ADA compliant and equipped with customer-centric initiatives that prioritize member satisfaction. With shared service center availability and an array of digital tools like online banking and person-to-person payment options, we strive to meet every member's unique needs.

Commitment to Community

Our mission goes beyond just offering financial products; it encompasses a deep commitment to the wellbeing of our community. By partnering with local organizations and engaging in outreach programs, we strive to make a meaningful impact on the lives of those around us. We believe that when our members succeed, our entire community flourishes. While members can visit us at 946 E 3Rd St for all their banking needs where you can also utilize our drive-thru service for added convenience official correspondence should be sent to our mailing address: 946 E 3rd St, Chattanooga, TN 37403-2101.

Join Us Today!

As we look ahead, our focus remains on expanding our reach while maintaining the personal touch that defines us. We invite you to join Healthcare Services today and experience the benefits of being part of a supportive financial family dedicated to your success. Reach out to us at 423-242-4728 or visit us online at Healthcare Services to learn more about how we can assist you on your financial journey!

Our Journey

From our humble beginnings at 946 E 3Rd St, Chattanooga, TN 37403, we've witnessed tremendous growth and change. Our mission has always been clear: to provide accessible and affordable financial services while fostering a sense of community. We understand that life can be challenging, especially in healthcare and related fields. That's why we've tailored our services to meet the unique needs of those we serve. As we evolved, so did our offerings. Today, we provide a variety of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. We also offer business banking solutions to help local entrepreneurs thrive. Our commitment to innovation ensures that members can enjoy online and mobile banking conveniences.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps. Whether you're visiting for personal banking services or need assistance with loans, our friendly staff is here to help every step of the way.

Connect With Us

Got questions? Don't hesitate to call us at 423-242-4728. Our team looks forward to welcoming you at our branch! Come visit us today and discover how we can support your financial journey!

Operating Hours and Services

We're open Monday through Friday from 8 AM to 4 PM, making it convenient for you to stop by during your busy schedule. At Healthcare Services, we provide a range of offerings including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and more. If you're a member of partner credit unions, feel free to take advantage of our shared service center for basic transactions.

Member Eligibility

Becoming a member of Healthcare Services feels like joining a close-knit family that truly cares about your financial well-being. If you're looking to be part of our community, you'll find that eligibility is quite accessible. Generally, anyone who lives, works, worships, or attends school in the Chattanooga area is welcome to join us! This inclusive approach means we're here for you, whether you're just starting out in life or are well-established. You can learn more about the specific eligibility requirements by visiting this page. Once you're ready to take the next step, opening an account with us is straightforward and hassle-free. Our friendly team at Healthcare Services, located at 946 E 3Rd St Chattanooga Tn 37403, is eager to assist you through the process. Just give us a call at (423) 242-4728 during our operating hours from 8 AM to 4 PM, and we'll guide you every step of the way. Joining Healthcare Services not only opens doors to excellent financial services but also connects you with a supportive community dedicated to helping you thrive.

Business Banking & Commercial Services

Commercial Loans

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

In addition to loans, we provide comprehensive merchant services designed for the modern business. Imagine easily processing payments from customers without hassle. Our services help streamline transactions, allowing you to focus on what truly matters growing your business. Visit us at 946 E 3Rd St Chattanooga Tn 37403 in Chattanooga, TN or call us at (423) 242-4728 to learn more about how we can assist you in achieving your business ambitions.

Comprehensive List Of Services

Auto Loans and Financing

Thinking about purchasing a new car? At Healthcare Services, we understand that reliable transportation is essential. That's why we provide competitive Auto Loans & Vehicle Financing options, ensuring you can drive away in the car you want without breaking the bank.

Business Banking Support

If you're a business owner, our Business Banking services are designed to help your venture thrive. From Merchant Services that streamline transactions to Business Loans that facilitate growth, we're here to assist you every step of the way.

Convenient Online & Mobile Banking

In today's fast-paced world, managing your finances on-the-go is crucial. That's why we offer robust Online & Mobile Banking features. Access your accounts anytime, anywhere through our secure platforms, making it simple to check balances, transfer funds, and pay bills without needing to visit us in person.

Credit Cards That Reward You

We also offer Credit Cards with Rewards, allowing you to earn benefits on your everyday purchases. Enjoy cashback, travel rewards, or points redeemable for various goods and services whichever suits your lifestyle best!

Drive-Thru and Shared Branch Transactions

For those who prefer face-to-face interactions but value convenience, our branch provides Basic Drive-Thru Banking for quick deposits and withdrawals. Additionally, if you're a member of partner credit unions, you can utilize our Basic Shared Branch Transactions for easy access to your funds. At Healthcare Services, located at 946 E 3Rd St Chattanooga TN 37403, we strive to be more than just a financial institution; we aim to be your trusted partner in navigating all aspects of banking. For more information about our services or assistance from one of our friendly team members, please call us at 423-242-4728 or visit our website at hscu.net. We look forward to serving you!

Home Financing Made Easy

For those looking to purchase or refinance their home, our Mortgage Loans & Refinancing services make the process straightforward. We work closely with our members to find a mortgage solution that fits their unique financial situation, making homeownership more achievable.

Personal Banking Solutions

Managing your finances is easier than ever with our Personal Banking options. We offer both Checking & Savings Accounts that help you save for future goals while keeping your money secure and easily accessible. Need cash for an unexpected expense? Our Personal Loans & Debt Consolidation services can provide the support you need to get back on track without added stress.

Digital & Online Banking

Key Features

Our online banking services provide you with real-time account management, allowing you to check balances, transfer funds, and pay bills with just a few clicks. With features like electronic signature authorization, you can easily sign documents online without the need for printing or mailing. Plus, our e-statements are available to keep your financial information organized and accessible. For those who prefer mobile banking, our user-friendly mobile application is ready for download. It offers all the convenience of online banking right from your smartphone. You can also take advantage of person-to-person transfers sending money to friends and family has never been easier!

Security and Accessibility

Security is a top priority for us. Our systems are designed with advanced security measures to keep your information safe while you manage your accounts online. We know how important it is for you to have peace of mind when banking digitally. With 24/7 online banking services, you're in control of your finances around the clock. Whether it's checking your balance before making a purchase or reviewing transactions late at night, Healthcare Services ensures that banking is always within reach. In summary, embrace the convenience of digital banking with us at Healthcare Services. We are committed to providing you with accessible and secure solutions that fit your lifestyle!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 5,170, showing a strong and growing member base that trusts us with their finances. This trust fuels our commitment to excellence as we strive to meet your financial needs every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Healthcare Services is your trusted partner. Visit us at 946 E 3Rd St Chattanooga Tn 37403 or call (423) 242-4728 to learn more about how we can help you achieve your financial goals.

Investments in Your Future

With $3,069,550 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $386 in used auto loans and $14,598,347 in total loans and leases.

Member-Focused Savings

Members' savings are secured through $1,521,056 in share certificates and $1,062,853 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $257,402, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $123,491, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 8 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $3,658,147, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,573 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 $5,980,198 in used vehicle loans and $6,081,664 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to ensure you get the best deal possible.

Credit Lines

In addition to our personal loans and credit cards, we have established credit lines totaling $1,000,000. This option gives you easy access to funds whenever you need them without the hassle of applying for a new loan every time.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While our total Junior Lien 1-4 Family Residential Properties loans currently stand at $0, we can assist you with understanding how our mortgage options can work for you when you're ready to take that step.

Refinancing Options

If you're considering refinancing any existing loans or need assistance determining your eligibility for our products, feel free to reach out! Our dedicated team is ready to guide you through the process and help you understand what options are available based on your specific financial situation. You can contact us at 423-242-4728 during our lobby hours from 8 AM to 4 PM, Monday through Friday. For more information about our loan offerings or other services such as online banking and personal banking solutions, visit us at Healthcare Services. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $575,208 in loans helping members manage their finances effectively. Our credit cards come with rewards and no hidden fees, making it easier for you to handle everyday expenses without stress.

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