About Us
Who are we?
Hometown Credit Union was founded in 1948 to serve the financial needs of employees at locally owned industries – primarily Gates Radio Company. Since that time, we have expanded our services to include anyone who lives or works in Adams County, IL, or in the 634xx in Missouri area codes.
We offer checking and savings accounts, loans, credit cards, investments, insurance, online-banking, bill-pay, and much more.
What makes credit unions unique?
Members own and govern a credit union. Credit unions exist solely to provide you and other members with a safe, convenient place to save, to borrow money at reasonable rates, and to provide other financial services at little or no cost to you.
Unlike banks, we are a non-profit organization. Our board of directors is made up of unpaid elected volunteers who set the credit union’s policies. That means all the earnings go right back to you in the form of affordable loans, competitive savings rates, and better services.
Are credit unions better than banks?
Credit unions have topped the consumer satisfaction ratings in every American Banker/Gallup poll conducted since 1989. Because credit unions have a stronger connection to their members, they are in a position to offer specific services like online banking that better meet customers’ needs.
What services do you offer electronically?
At HCU, we understand how important it is for members to have access to their accounts. So we offer a variety of free and low-fee services that allow you to do your banking as conveniently and easily as possible.
INTERNET BANKING ---allows you to access your account information from a computer or a mobile device via the internet for free! Here are a few things you can do:
* Review your account activity and transfer funds between accounts (if you are the primary account owner) including loan paymetns.
* Sign up for safe and free e-statements to stop receiving paper statements in the mail.
*Pay bills and maintain a history of what and how much you have paid. You can set up for repeat payments.
DIRECT DEPOSIT ---Have your payrollk Social Security, pension of other recurring checks deposited automatically into the account of your choice.
Payrolll Deduction---Set aside a certain amount from your pay or retirement benefits to be allocated to your Hometown accounts automatically. You can designate some of it to go to your Chidren's accounts.
MASTERCARD---Credit Card, low rate.
VISA---Debit Card/ATMCard. Make purchases anyplace that accepts Visa Debit.
Money is automatically and immediately deducted from your checking account. Eliminates the need to write a check.
*No finance charge to pay as with a credit card.
*Easy verification of transactions by logging on to "IT"S ME 24/7 " and view your checking account.
* You don't have to enter your PIN, tell the merchant it is a credit transaction and sign instead of using the PIN. You may have to enter your PIN to get cash back at merchants.
*You must have a checking account with us to have a Debit card.
Use at ATMs to get cash.
