What information do I need in order to register or log in to Swivel Electronic Loan Payment?
For first time users, all you need to register is your Harris County Federal Credit Union loan account number (member number and 3-digit loan number). For returning users, you will need your username, and Swivel password. All Swivel users are required to have a valid e-mail address.

What if I don’t know my member number?
Your account number is your four to six-digit member number. Your member number can be located on your monthly statement or on the original paperwork you were issued at the time you opened your HCFCU account. If you are unable to remember or locate your account number, please contact a Member Services Representative at (713) 755-5160. For security reasons, we cannot disclose account numbers over the phone or via e-mail.

What if I don’t know my loan number?
Your loan number is a three-digit number following your account number. The loan number can be located on your monthly statement or on the original loan paperwork you were issued at the time you opened your HCFCU loan. On your statement, the loan number is the three-digit number that is located just before the name of the account or loan. All new loans will be available on Swivel within one business day.

If you are unable to locate a monthly statement or your original loan paperwork, please contact a Member Services Representative at (713) 755-5160. Loan numbers can be disclosed over the phone, but only if the member can provide the member number and verify account information.

What if I don’t know my password?
On the Swivel log in screen, click the link that says Forgot Password? and follow the prompts.

How much does it cost to use Swivel?
All loan payments will incur a $3.50 convenience fee for ACH or CARD payments, members can avoid the $3.50 fee if reoccurring payments are set up. If so, only the initial payment will be charged the fee.

What payment methods can I use to make a payment?
Through Swivel, you can use any non-HCFCU debit card to make a payment, including those with MasterCard® and Visa® logos. You may also make payments using a checking or savings account from another financial institution. Swivel does not accept credit card payments.

What loans can I pay using Swivel?
You are able to make payments on any loan that you have with HCFCU with the exception of credit cards and mortgages.

To make a credit card payment, click here.
To make a mortgage payment, click here.

What if I have multiple loans that I need to make payments on?
No worries, you can use Swivel to make payments on all of your HCFCU loans with the exception of credit cards and mortgages. You will use your username and password to log in and select the account you wish to make a payment.

When will my new loan be available on Swivel?
All new loans will be available on Swivel within one business day.

Can I use Swivel to make a payment from my HCFCU checking or savings account?
No, Swivel can only accept payments using a debit card, or checking and savings account from another financial institution.

If you wish you may use one of these other payment methods:

• Log in to It’s Me 247 Online Banking to make a payment using your HCFCU checking or savings account.
• Set up a payroll deduction to have your payment deducted from your county paycheck.
• Make a payment in person at our branch or using a shared branch location.
• Mail in your payment to:

Harris County Federal Credit Union
1400 Franklin Street
Houston, TX 77002

Can I schedule my payment in advance or set up recurring payments with Swivel?

Yes, using the Desired Payment Frequency, you may schedule one-time payments in advance to be made within the next 30 days from the current payment date, or can setup reoccurring payments.

Can I make extra payments with Swivel?
Yes, each month you are able to pay more than your scheduled payment amount towards your loan balance. Additional funds paid in a given month will be first applied towards the interest due, then to the principal. Members will still need to make their required payment the following month.

When will my payment be posted?
All payments will be credited to your account within two business days.

Does changing my address in Swivel automatically change my account information?
Changes made to your address in Swivel will not be reflected in your HCFCU account information. If you need to change the address listed on your HCFCU account, log in to It’s Me 247 Online Banking or contact a Member Services Representative at (713) 755-5160.

Who should I call if I am having difficulties using Swivel?
If you have any questions regarding Swivel or have difficulties logging in, please contact a Member Services Representative at (713) 755-5160 or email us at hcfcu@hcfcu.com.