More than a financial institution. A credit union built for you.
For more than 55 years, Health Care Family Credit Union (HCFCU) has helped members save, borrow and manage their money with confidence. As a local, not-for-profit financial cooperative, we’re focused on providing value to our members while supporting the communities we call home.
Whether you’re looking for a better way to finance your next vehicle, a low-rate credit card, convenient everyday banking or a place to grow your savings, membership gives you access to financial solutions designed with you in mind.
See what membership can do for you
At HCFCU, you’re more than an accountholder, you’re a member and an owner. That means our focus is on helping you get more from your money with competitive rates, convenient services and personalized support.
Real savings you can see:1
- Up to $1,280 in savings on auto loans
- Up to $550 in savings on credit cards
- Up to 64% more in earnings on certificates of deposit
- Up to 104% more in earnings on money market accounts
Overall, our members saved more than $900,000 in 2025, with a $366 average benefit per member household.2 That means more money saved, more earned and more value from membership.
1Based upon independent research conducted by Rate.net for 1,137 financial institution locations in Saint Louis Metro as of August 20, 2026. 2Direct financial benefits to members during the 12 months ending September 2025 as defined in the ACU Membership Benefits Report for Health Care Family Credit Union.
Putting our community first
Being member-owned means our commitment extends beyond financial products and services. We believe in investing in organizations that make our community stronger. Through our partnership with the Federal Home Loan Bank of Des Moines, we’ve had the opportunity to donate $10,000 to each of these local organizations:
- Home Sweet Home
- SSM Health Cardinal Glennon Children’s Foundation
- St. Louis Children’s Hospital
These contributions help support healthier families, safer homes and stronger communities throughout the St. Louis area.
Can I become a member?
We proudly serve members of the health care community and their families, as well as individuals who live or work in the 63117 or 63143 ZIP codes. Opening a primary savings account with a $5 minimum deposit establishes your membership and ownership in the credit union.
Ready to see what Health Care Family Credit Union can do for you?