Houghton mifflin employees federal credit union
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Houghton Mifflin Employees Federal Credit Union - PowerPoint PPT Presentation

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Houghton Mifflin Employees Federal Credit Union. Mission Statement.

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Mission statement
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
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







Savings products
Savings Products

  • General savings account (requirement for membership, $5 min. Balance)

  • Holiday club

  • Vacation club

  • Share certificates

  • IRAs


  • 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


  • 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
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: www.hmcreditunion.org

Free online banking

Free Notary services

Purchase US Savings Bonds

Direct Deposit

Payroll Deduction

Miscellaneous Services



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