Tis the Season…

Giving is better than receiving, but what if you could have both? We have a way that you can give a gift that comes with rewards! HCFCU is asking you to be a hero and you could win big this season.

Donate to our BEARing Gifts Drive and you can gain extra entries into our drawings!

Here’s how it works!

Send us your qualified1 member referral and you will be entered into our monthly Gift of Membership drawing, donate a toy and gain another entry. Entice your friend, family member, or co-worker to finally join the credit union & when they open their membership your name will be entered into our monthly Gift of Membership drawing. When you refer more than 1 person we will enter you into our HCFCU Hero drawing for a chance to win $200! This means you have unlimited chances to win $300 for referring friends, family, or coworkers to the credit union through December 31st!

New Memberships, Auto Loans, and Home Equity loans opened from November 1st – December 31st will be entered to win an HCFCU Prize Pack and an opportunity at a $100 dinner!

We’re also offering members another opportunity at reducing their Auto Loan rate through December 31st by completing online education modules covering Payday Loans, Auto Loans, and Building an Emergency Savings. The education modules are quick and easy to complete and will provide valuable knowledge and insight. Our relationship pricing is always available and can be applied to select new loans year-round! Test your knowledge at our Financial Education Center with our quizzes. You can also attend our November 8th Budgeting workshop for an additional discount on your loan.


In order to qualify for the major prize drawing, *new members must be 100% new; Re-opened and current joint member or previous members not eligible. Odds of winning major prize depend on the total number of entries received at the end of the contest period; entry is determined and qualified by monthly reports, account verification, and criteria listed above, accounts must be in good standing at the time of the drawing. (1) Standard membership qualifications apply; All current and retired employees of Harris County, the immediate family members of  current HCFCU members, and anyone who lives, works, attends school, or worships in the following zip codes: 77002, 77003, 77004, 77006, 77011, 77020, 77023, 77026; are eligible to join the credit union. Visit the following pages for full details in regards to any of the following: current savings rates, account fees, or specific account details associated with any credit union accounts. **Must complete educational modules, quizzes, and/or seminar prior to closing on your auto loan in order to receive the applicable discount to your loan rate. Discounts are not retroactive and only apply to any new HCFCU auto loan account opened from October 1st and closed before December 31st including refinances. Ask to be emailed list of applicable discounts from your loan officer or click here to complete form.