Tag Archives: Loans

Bit of March Madness

This March, we want to help your pocketbook. Our Auto Loan rates go as low as 1.99% APR** all year round! We’re looking to help you cut your current rate, or reduce your payment by refinancing your non-HCFCU vehicle loan. Let us take a look at the numbers for you and provide you with the best personal solution.

All Auto Loans closed March 2, 2020 through March 31, 2020, are entered to win some cash in our March Madness bracket, plus the chance at a 65″ Smart TV.

We’ll select a Sweet Sixteen from the new loans closed to receive cash prizes of $10-$25, and then a Final Four selection to win a night out gift package which includes HCFCU branded items and a merchant gift card, plus $50-$100 in cash prizes! A single stand-alone Champion will take home a 65″ Smart LED TV with a year of HULU or Netflix for a chill night with bae to watch the final championship game.

All auto loans (refi^ or regular) must be closed by March 31st to be entered into the drawing for the TV. 

**APR is Annual Percentage Rate. ^Refinances within 90 days of origination may be ineligible subject to title availability. Rates are based on your credit history, loan term, collateral and down payment. Certain credit criteria apply. Other restrictions may apply. Rate discounts are given based on the credit score of 680+, shorter loan terms, down payments, and relationships. Rates are subject to change without notice. Talk to a loan officer for details.

All the fine details:

Drawing will occur and attempt to notify the winner(s) by April 2. Odds of winning a major or minor prize depend on the total number of entries received at the end of the contest period; entry is determined and qualified by review of account verifications, and any criteria required to enter listed above. Accounts must be in good standing at the time of the drawing. The contest begins and opens on 03/02 at 7:30 AM and closes at 5:00 PM on 03/31. No substitutions for the prize; the cash prizes are awarded via a deposit into a winner(s) share or share draft account with the credit union, and non-transferable. Not responsible for inactive or invalid contact information, bad emails, and or disconnected phone numbers when attempting to contact the winner(s). Television must be collected from the credit union.


(1) Grand prize winner will receive a 65″ Smart LED TV; (1a) first runner up winner will receive a $100 cash deposit; (2a) second runner up winner will receive a $75 cash deposit; (3a) third runner up winner will receive a $50 cash deposit; (10) minor prize winner(s) will receive a cash deposit of $25.

All prize winners will be selected on or before April 3, 2020, contacted via telephone and or email after that based on member profiles.

Federal, state, and local tax liability and any other expenses are the sole responsibility of the prize winner. Void where restricted and prohibited. The prize is non-transferable, non-assignable, and non-exchangeable. Standard account terms and conditions apply to all contestants. Winners who receive the prize assume responsibility upon acceptance. Winner(s) must sign a photo release. By accepting a prize, the winner(s) consent to have their name, pictures, likeness, and story published for publicity purposes without further compensation via HCFCU, through, but not limited to, photos, status updates, news stories, blog or website postings, and social media.

All entrants agree to release and hold HCFCU harmless from any and all claims of any kind arising directly and indirectly from the giveaway(s), a prize(s), or any publicity received from the promotion.

Member Auto Center Offer


Submit an online quote request for a vehicle of your choice from the Member Auto Center site during the between May 1, 2018, and June 15, 2018 for a chance at a $500 gift card. Member Auto Center provides members accessibility to new or used vehicles, credit union focused dealer contacts, vehicle carfax reports, and the opportunity to sell your current vehicle with convenience.

Member Auto Center is available for your auto shopping needs, and HCFCU is here for your lending needs. Any member who submits a request for a quote through Member Auto Center sale site will also be entered into a drawing for a chance at an additional $100 gift card! The quote request must have been submitted prior to June 15th and you must be an eligible member of the credit union.

It’s Easy As 1-2-3!

  1.  Visit & search at hcfcu.carsale.memberautocenter.com before June 15, 2018.
  2. Find the car that’s right for you & complete the no-obligation price quote.
  3. In the comment section enter code word: 2018CSE1 and hit submit!*
That’s it, you’re entered to win $500 from Member Auto Center
& $100 from HCFCU!

*Need not apply for a loan to enter $500 Member Auto Center drawing. No purchase necessary. Limit one entry per person. All entries with the code word will be accepted and chances of winning depend on the total number of entries. To enter visit the website above, find a vehicle that you are interested in, and submit a price quote request before June 15, 2018, at 11:59 PM CST. One winner will be selected at random to win a $100 gift card and will be notified by a Credit Union Representative. Employees or volunteers of the credit union, CU Alliance, LLC, and its subsidiaries are not eligible. Must be 18 years or older. **Current HCFCU loans are not eligible for refinancing with promotional rate, or rate discounts. Ask your Loan Officer for applicable discounts available and the available loan options exclusive to this offer.

Want to win a $50 Fandango gift card?

Thinking of buying a home, or maybe you want to learn more about home ownership?

Complete our Home Ownership & Mortgages online education modules for a chance to win a $50 Fandango movie gift card. Contest period ends August 31st, entry is simple, and takes only a few minutes of your time.

Visit hcfcu.com/fec  and click on the Online Education Center button to begin registration. Complete your profile and the two modules at “100%” by August 31st to gain entry into the drawing. The winner will be notified via their contact information on file with the credit union and selected after the entry period ends.

All Auto, Home, & Home Equity loans closed through Sept 30th is entered into a drawing for a chance at a $100 gift card. 1 winner from each category selected!

Click the following links for more information on Mortgages, Home Equity, or Auto Loans. All Mortgages and Home Equity loans opened during August & September will also be considered for the drawing due to closing timelines. Ask your Loan Officer for details.