Why Choose a Credit Union Over a Bank?
Money is always on the move. You earn it with your paycheck, spend it on bills, and whatever’s left can either grow or disappear in hidden fees. The place you choose to keep cash, whether a stock‑owned bank or a member‑owned credit union, changes that outcome.
How to Open an Account with HSECU: Step‑by‑Step Guide
Opening an account at Human Services Employees Credit Union (HSECU) turns you from a customer into an owner. The cooperative model means earnings cycle back to you in the form of lower loan rates and higher savings dividends.
Auto Loans with Lower Rates: Financing Made Easy
A car lets you get to work, school, and family events on time. Credit unions were created to cut the cost of taking out an auto loan, and HSECU stands by the mission. Because members own the credit union, profits go back to you instead of outside investors.
Join HSECU Today: Membership Benefits & Eligibility
Human Services Employees’ Credit Union (HSECU) is a not-for-profit financial cooperative dedicated to serving its members’ best interests. Founded in 1951 with the principle of “not for charity, not for profit, but service for all,” HSECU has always put people over profits.
The Power of Local Lending: Why It Matters
Local lending keeps money in Georgia by paying local workers, supporting nearby businesses, and funding our schools. Credit unions typically offer rates 1–2 points lower than banks, and each dollar of interest paid locally generates about $1.50 in additional economic activity.
Digital Banking at Your Fingertips: Mobile & Online Tools
Your phone already handles photos, directions, and calendars. It should handle your money just as smoothly. Across the United States, nearly four in five credit union members log in by phone at least once a week, according to the National Credit Union Administration’s most recent digital usage brief.
Financial Education for Members: Build a Better Future
Lots of Georgia families learn about money the hard way. The typical credit score in the state is 695, which is well below the national average of 715, so borrowers here pay more every time they finance a car or carry a credit card balance.
Protecting Your Identity: Fraud & Theft Protection Tips
Identity theft can occur anywhere, including at a store checkout, in your email, or on social media. If someone steals your login credentials or Social Security number, they can empty your bank account and damage your credit, and it can take months to rectify the situation.
Personal Loans for Real‑Life Needs: What You Should Know
When your furnace breaks or, your tuition falls short, or you book a wedding date you can’t move, you need cash right away. Credit cards may not always cover large bills, and your savings may not be sufficient yet.
Savings Made Simple: Best Accounts for Your Goals
Saving money doesn’t have to be complicated. The key is to match your savings goal with the right type of account. If you’re saving as an individual or a business, selecting the right account makes it easier to achieve your goals.