Hsm Federal Credit Union

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A short history of Hsm FCU

Since its inception in 1977 the Hsm Federal Credit Union has been serving its members in the HICKORY, North Carolina area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by LORI WHITENER, the Hsm FCU has grown its membership to over 2,054 with assets of more than $4,674,923. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (828) 328-2201 or email them at hsfcu@embarqmail.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in HICKORY, NC.

General Information For Hsm FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 22740
Address PO BOX 128 
State North Carolina 
Zip-Code 28603
Phone Number (828) 328-2201
Fax Number (828) 322-4914
Email Address: hsfcu@embarqmail.com
Members 2,054 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 4,674,923 
Website http://www.hsmfcu.org 

Compare Hsm Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Century Employees' Savings Fund CU Main office 401 11th St NW 28603 (828) 326-8512 No 1.03
Shuford CU Hickory Office 882 16th St NE 28601 (828) 568-1234 No 1.97
Cs CU Claremont CU 3642 E US Highway 70 28610 (828) 459-5768 No 18.13
Carolina CU Carolina Federal Credit Union 1200 E Church St 28021 (704) 435-0186 No 24.03
Piedmont CU Piedmont Credit Union 209 S Tradd St 28687 (704) 873-6400 No 25.59

Hsm Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Hsm Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 11.49 3.29 6.71 N/A 4.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 379 180 518 N/A 168
Rank Among All North Carolina Credit Unions 26 20 44 N/A 8

Hsm Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.15 N/A 0.65 N/A
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 119 N/A 234 N/A
Rank Among All North Carolina Credit Unions 12 12 N/A 21 N/A
Hsm Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.490121161,895
All Other Unsecured Loans/Lines of Credit 9.630549790,260
Short-Term, Small Amount Loans (STS) (Federal CU Only) 28.00030173,532
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.29011192,558
Used Vehicle Loans 6.7101921,716,122
Total 1st Mortgage Real Estate Loans/Lines of Credit 0.00000
Total Other Real Estate Loans/Lines of Credit 4.500237,785
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.22025280,061
TOTAL LOANS & LEASES 1,2013,252,213

Hsm Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 0000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 237,78500
Open-End Fixed Rate 0000
TOTALS 237,78500


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Hsm Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes