HSM Credit Union Hickory NC | Best Auto Loans & Mobile Banking

Introduction

Welcome to Hickory Springs Federal Credit Union, your trusted partner in financial growth since 1977. Located at 235 2Nd Ave Nw, Hickory, NC 28601, we proudly serve our community with a commitment to providing personalized banking solutions tailored to your needs. With over 2,189 members and total assets reaching an impressive $5,712,680, we strive to empower each member on their financial journey. At Hickory Springs FCU, we understand the importance of financial security and accessibility. That's why we offer a wide range of services from checking and savings accounts to auto loans and credit cards ensuring you have the tools necessary for financial success. Our dedication is evident not only in our services but also in our strong financial position, which includes total deposits of $578,709 and a net worth of $781,160. While our members can visit us at our branch address, official correspondence should be sent to PO BOX 128, HICKORY, NC 28603. We believe in transparency and open communication; therefore, if you have any questions or need assistance, don't hesitate to reach out to us at (828) 328-2201. Our leadership team is committed to fostering a supportive environment for all members. Under the guidance of CEO Lori Norris and Board President Benny Harris, we are dedicated to providing exceptional service and making a positive impact in our community. Join us today at Hickory Springs FCU! Visit our website at hickoryspringsfcu.org or call us for more information about how we can assist you with your banking needs. Together, let's build a brighter financial future!

Branch History & Mission

Community Commitment

Community outreach is central to what we do. We actively participate in local events and collaborate with other organizations to foster growth and development within Hickory and beyond. Through partnerships focused on education and financial literacy, we empower individuals with the knowledge they need to succeed. Our members enjoy various services tailored to their needs from checking and savings accounts to auto loans and credit cards with rewards. We aim not just to be a financial institution but a trusted partner in your journey toward financial well-being. While official correspondence should be sent to PO Box 128, Hickory, NC 28603, we invite you to visit us at our branch or explore more about what we offer online at hickoryspringsfcu.org. Join us today! Experience firsthand how Hickory Springs Federal Credit Union can help you navigate your financial path with confidence and care. Together, let's build a brighter future for you and our community.

Our Evolution

From the moment we opened our doors in 1977, Hickory Springs Federal Credit Union has dedicated itself to the values of cooperation and mutual aid. As we evolved over the decades, we embraced modern technologies while staying true to our roots. Today, we offer online banking services that allow members to manage their accounts with ease an essential feature in today's fast-paced world. We are proud to remain ADA compliant, ensuring that all members can access our services without barriers. While members can visit us at our main location for personal service during our operating hours of Monday through Friday from 9 AM to 5 PM, those needing assistance can also reach us at (828) 328-2201.

Branch Location & Accessibility

Welcome to the Hsm branch of Hickory Springs Federal Credit Union, conveniently located at 235 2Nd Ave Nw in the heart of Hickory, NC. Our location is easy to find and offers a welcoming atmosphere for all your banking needs. Whether you are stopping by for a quick transaction or looking to explore our services, we are here to assist you. If you need to send official correspondence, please note that our mailing address is PO BOX 128, Hickory, NC 28603. This ensures your important documents reach us without delay. Our branch is nestled close to local landmarks, making it a breeze to visit. You can easily spot us near popular spots in Hickory, and we provide ample parking options for your convenience. We prioritize accessibility with features such as ADA compliance and ramps to ensure everyone can access our services comfortably. We understand how busy life can be, which is why we offer inviting operating hours from Monday to Friday, 9 AM to 5 PM. If you have any questions or would like more information about our offerings, feel free to give us a call at 828-328-2201. At Hsm, we pride ourselves on providing a variety of personal banking services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered! Although we don't have ATM services or drive-thru banking at this location, our friendly staff is always ready to assist you inside the branch. We encourage you to come visit us soon! Experience firsthand the friendly service and support that makes Hsm your go-to credit union in Hickory.

Member Eligibility

At Hsm, we believe that everyone deserves a chance to be part of a friendly and supportive community. Becoming a member is simple and welcoming! If you live, work, or worship in the Hickory area, you're likely eligible to join us. We also welcome immediate family members of current members, so if you have someone in your life who's already part of our credit union, that opens the door for you too! You can find more detailed eligibility criteria by visiting our website. Joining us means gaining access to a wide range of financial services tailored just for you, from checking and savings accounts to loans and credit cards. It's all about helping you achieve your financial goals with personalized support. When you're ready to open an account, simply visit us at our branch located at 235 2Nd Ave Nw Hickory Nc 28601 or give us a call at (828) 328-2201. We can't wait to welcome you into the Hsm family!

Business Banking & Commercial Services

Business Loans Tailored for You

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 Make a Difference

In today's fast-paced world, having reliable merchant services is crucial. Our solutions allow you to accept payments easily and securely, helping you focus on what matters most running your business. From point-of-sale systems to online payment processing, we provide tools that fit seamlessly into your daily operations. Visit us at 235 2Nd Ave Nw Hickory Nc 28601 in Hickory, NC, or call us at (828) 328-2201 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking

For business owners, our business banking services, including merchant services and business loans, cater to small enterprises looking to grow. We understand that running a business requires access to reliable financial tools our dedicated team is ready to assist with tailored solutions.

Convenience Features

At Hsm, convenience is key. While we do not have ATMs or drive-thru services at this branch location, our online capabilities ensure that you can manage your finances anytime and anywhere. We invite you to explore all that we have to offer at Hickory Springs Federal Credit Union. If you have any questions or need assistance, please don't hesitate to call us at (828) 328-2201 during our lobby hours from 9 AM to 5 PM, Monday through Friday. Join us today and experience personalized financial services designed with your needs in mind!

Credit Cards

Additionally, we offer credit cards with rewards that allow you to earn points on everyday purchases. This means that every time you swipe your card at the grocery store or fill up your gas tank, you're not just spending; you're also earning rewards that can benefit you down the line.

Home Financing

For those dreaming of homeownership, our mortgage loans and refinancing options make the process straightforward. Picture yourself settling into that perfect home with a manageable mortgage plan tailored just for you. Our team is here to guide you every step of the way.

Personal Banking

Starting with personal banking, we offer various checking and savings accounts tailored to help you manage your money effectively. Imagine easily accessing your funds through our online and mobile banking services perfect for busy lifestyles. You can check your balance, transfer money, and pay bills right from your phone or computer. If you're thinking about purchasing a vehicle, our auto loans and vehicle financing options are designed to help you hit the road without breaking the bank. We understand that buying a car can be daunting, which is why we offer competitive rates and flexible terms to fit your budget.

Personal Loans

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come in handy. Whether it's for medical bills or home repairs, we're here to provide the financial support you need when it matters most.

Digital & Online Banking

Key Features

With our online banking platform, you'll enjoy easy and secure access to your financial information. Although we don't currently offer electronic signature authorization or e-statements, our system is user-friendly and designed for straightforward navigation. You can feel confident knowing that managing your money online is both safe and simple. Need to send money to a friend? Our person-to-person transfer feature makes it easy to send funds quickly without any hassle. Just a few clicks and you're done! While we don't have a mobile application or mobile payments just yet, our website is fully optimized for mobile use. This means you can log in securely from any device while on the go, allowing you to check balances or make transfers wherever you are.

Real-Time Management

Managing your finances in real time has never been easier with our online banking service. Whether you're checking your balance after work or transferring funds during lunch, every feature is designed with ease of use in mind. Our commitment to providing accessible banking solutions ensures that you're always in control of your financial journey. So why wait? Experience the convenience of digital banking with Hsm today! Visit us at https://www.hickoryspringsfcu.org/ and take charge of your finances with just a few clicks.

Financial Strength

At Hsm, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share insights into our financial strength, which underscores our commitment to serving you reliably. With a net worth of $781,160, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.67% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,197,955 in share certificates, offering stable and rewarding financial growth opportunities. 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. We also take pride in having 3 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With $166 in used auto loans and $4,517,297 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $15,554 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Total Share and Deposit Accounts stand at 3,536, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Hsm is your trusted partner. Visit us at 235 2Nd Ave Nw Hickory Nc 28601 or call (828) 328-2201 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are 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 $2,364,943 in used vehicle loans and $522,664 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have flexible options tailored just for you.

Credit Lines

If you're looking for financial flexibility, our credit lines totaling $450,000 can be an excellent choice. They give you easy access to funds when you need them most, whether it's for emergencies or planned purchases. We also want to remind our members that refinancing options are available for most loan types. If you're looking for better rates or terms on an existing loan, don't hesitate to reach out and explore your eligibility with us. For any questions or assistance regarding our loan products, feel free to contact us at (828) 328-2201. We're here to help you navigate your financial journey! All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us at 235 2Nd Ave Nw Hickory Nc 28601, Hickory, NC for more information about how we can assist you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. We guide you through the process so you can focus on making your new house feel like home.

Unsecured Credit Cards

Managing everyday expenses is easier with our unsecured credit card loans. With a total of $145,205 in loans available, we provide flexible terms that help members maintain control over their finances without breaking the bank.

Loan Aggregator

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HSM FEDERAL CREDIT UNION - Hickory, NC

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