Author Archives: Pauline

ePay is Here!

girl at computerePay is the electronic loan payment service from Harris County Federal Credit Union!  If you are tired of mailing in your loan payment each month, it is HERE!  With ePay, you can make a payment on most of your loans with the click of a mouse.  For first time users, all you will need to do is register with your account number (member number and loan number). For returning members simply log in with your username and password to make a payment using a debit card, credit card, or checking or savings account from another financial institution. Navigate to the eServices tab or click here to register and start clicking!

Use ePay to make payments on all of your HCFCU loans with the exception of credit cards and mortgages. All new loans will be available for payment within one business day.  ePay has been established to give members more payment options for their HCFCU loans.

If you want to make payments to your HCFCU loans using your HCFCU checking or savings account you can use HCFCU online banking or sign up for a PayrollDeductionAgreement.

ePay is easy to use and any payments made from a checking or savings account from another institution will not be subject to a fee. Payments can be made to your HCFCU loans using Visa, and MasterCard. A small convenience fee may apply for those members using a non-HCFCU debit or credit card. This fee will vary depending on your loan amount and a fee schedule is posted for reference.

For other information please visit our ePay page for Frequently Asked Questions.

Home is with HCFCU

This January we’re asking our members to challenge our loan rates and let’s try and save you hundreds by helping you unlock the hidden potential in your home. A Home Equity loan might provide you funding for something important, or maybe we can help save you on a Mortgage loan? No tricks and no gimmicks. We’re just looking to help our members who might want a lower monthly payment or some extra cash. Our goal is to save our members’ as much money as possible on their loans, let’s see what we can do for you.

A Home Equity Loan at HCFCU…Makes the Most “Cents”!

Your home has hidden potential. Get up to 80% of your home’s value in available equity to do those much-needed renovations, repairs, or buy new appliances. Now is a great time to take advantage of the extra savings you can get with a Home Equity loan. Credit unions are known for giving you rates and terms in your best interest. Download the Home Equity packet to apply. We’ll work with you to figure out the type of loan that works best for your situation. With your home and the credit union…YOU ARE COVERED!

 Here’s why HCFCU & Home Equity is the way:

  • You can use the funds to increase the value of your home.
  • You can use the funds to increase your family’s comfort or save on energy costs.
  • You can use the funds for what you need most!
  • All Home Equity loans closed before February 28th are entered for a chance to win $250!1

Ask about our great rates and flexible terms! For our latest rates visit hcfcu.com/rates.

For questions, contact a loan officer today. You can learn more about our Home Equity options at hcfcu.com/loans/home-equity-loans OR Home Loans at hcfcu.com/mortgages.


1 Odds of winning depend on the total number of Home Equity loans closed during the promotional period of January 1st through February 28th. Two winners will be selected on or before March 6th and notified via email or phone number on file, then awarded through a direct deposit into the credit union account. All members are eligible for drawing if their loan closes prior to the promotional period end date and register on a new home equity loan or home equity line of credit reporting.
Additional Disclosures: All members must be in good standing at the time of drawing in order to qualify for the prize and over the age of 18. CU Members Mortgage has a contractual relationship with Harris County Federal Credit Union to perform mortgage origination services. Visit hcfcu.com/mortgages and click the link on site to request a copy of the HMDA disclosure statement and report. HCFCU is an Equal Housing and Equal Opportunity Lender. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Rates are subject to change without notice. For the latest rates please visit hcfcu.com/rates or contact a credit union representative. Your actual Annual Percentage Rate (APR) will be based upon your individual creditworthiness, loan amount, the term of the loan and applicable prepaid items.