Houghton Mifflin Employees Federal Credit Union

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					Houghton Mifflin
Employees Federal
Credit Union
Mission Statement
“Houghton Mifflin Employees Federal Credit
  Union is a member-owned and controlled
  financial institution existing for the benefit of
  the Houghton Mifflin employees and their
  families. The credit union maintains its long-
  term financial stability and protection of
  members’ savings as well as its traditional
  level of quality service while offering savings
  and loan products at fair, favorable and
  competitive rates and terms to meet our
  members’ financial needs for today and
  tomorrow.”
Credit Union Benefits
• Not for profit, not for charity, but for
  service
• Member-elected, unpaid volunteer
  directors
• Lower and fewer fees than banks
• Deposits are insured by NCUA to at
  least $100,000
Services
Savings Products
• General savings account
  (requirement for membership, $5 min.
  Balance)
• Holiday club
• Vacation club
• Share certificates
• IRAs
Checking
• No monthly fees
• First 50 checks free
• Free bill pay and online banking
• No min. Balance, only $25 to open
• Visa debit card, use as a debit card at
  participating stores & ATMs
• Use ATM/debit card for withdrawals and
  deposits

                              *Pending Credit Approval
Loans
• Auto loans – as low as 4.74%
  New, used, & refinanced
• LoanLiners – 11.9%
  Revolving lines of credit
• Share secured loans– 6%
  Use savings or certificate to secure
• Personal loans – 15%
                         *Pending Credit Approval
Visa Credit Card
• Low fixed rate – 10.9%
• No fee balance transfers
  Ask about transfer bonus
• No fee for cash advances
• ezcardinfo.Com – check activity, balance,
  and make payments
• Free auto rental and collision damage and
  theft insurance
• Free travel accident insurance up to
  $250,000
                             *Pending credit approval
 Miscellaneous Services

• User friendly web site:   • Purchase US Savings
  www.hmcreditunion.org       Bonds
• Free online banking       • Direct Deposit
• Free Notary services      • Payroll Deduction
Questions
Our Friendly Staff Are Ready to Answer Your
Questions.

				
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