Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions
Founded in 1969 as Bedford Independent Federal Credit Union, we have grown from a small breakroom operation to an $880 million asset institution serving over 36,000 members across 40 Indiana counties. As a not-for-profit financial cooperative, we prioritize member needs over external shareholders, offering competitive rates and fewer fees than traditional banks. Our community-focused approach has saved members an average of $353 annually compared to regional banks. We specialize in personalized financial solutions including mortgage programs with direct deposit incentives, teen financial education accounts, and rapid loan approvals.With 50 years of local expertise, we empower individuals and businesses through customized banking tools, commercial lending services, and community reinvestment initiatives. Our commitment to financial wellness extends through educational resources, fraud prevention programs, and digital banking innovations that include mobile deposit and contactless payment options. We maintain strict compliance with federal regulations while maintaining NCUA insurance coverage up to $250,000 per account.
Services
Auto Loans
Mortgage Loans
Savings Accounts
Commercial Banking
Credit Cards
Personal Loans
Home Equity Loans
Financial Education
Mobile Banking
ATM Services
Details
- Year established: 1969
Highlights and features
- We've served Indiana communities for 50+ years with localized financial expertise
- Member-owned structure ensures profits return to account holders
- Competitive rates with average member savings of $353 annually vs. banks
- Community reinvestment through $17,000 annual scholarship program and nonprofit support
- 24/7 digital banking with mobile deposit and contactless payment options
Associations and certifications
- NCUA
What people say
Life-changing support
Community-focused approach
Financial tools
Positive difference
Services
Auto Loans
We offer competitive auto loan programs for new and used vehicle purchases with flexible terms and member-exclusive rates. Our streamlined approval process delivers financing decisions within 24 hours while supporting local automotive dealerships. Loan protection options include mechanical repair coverage and guaranteed asset protection plans.
Mortgage Loans
Our home loan division provides fixed-rate mortgages, construction loans, and land financing with personalized guidance from local lending experts. Members receive exclusive rate discounts through our 'Greater Option Loans' program, including a 0.25% reduction when establishing direct deposit during the loan process.
Savings Accounts
We offer multiple savings solutions including high-yield money market accounts, certificates of deposit, and goal-based savings tools. Our 'Save to Win' program combines traditional savings with prize-linked incentives while maintaining NCUA-insured deposits up to $250,000.
Commercial Banking
Our business banking division provides tailored financial solutions including commercial loans, high-yield business checking, and cash management tools. Dedicated relationship managers support local enterprises with equipment financing, working capital loans, and merchant payment processing services.
Financial Education
We deliver comprehensive financial wellness resources including budgeting tools, credit counseling, and youth financial literacy programs. Our 'Teen Smart Spending' account teaches financial responsibility through practical mobile banking experience for ages 13-17 with parental oversight features.
Questions
How do I become a member?
Membership requires living, working, or worshiping in any of our 40 qualifying Indiana counties. A $5 savings deposit establishes full membership benefits.
What loan types do you offer?
We provide auto loans, mortgages, home equity products, personal loans, and commercial financing options with specialized programs for first-time homebuyers and small businesses.
How can I report fraud?
Contact our fraud center immediately at 800.865.2612 or 812.279.6644 to report suspicious activity. Never share card details via unsolicited calls or texts.
Do you offer digital banking?
Yes, our mobile app includes mobile deposit, Zelle transfers, Apple Pay integration, and real-time account management features available 24/7.
What are your service fees?
We maintain competitive fee structures with many accounts offering no monthly maintenance fees. Specific fee details appear in our full fee schedule available online.
How do I access ATMs?
Use any of our local surcharge-free ATMs or access 5,000+ nationwide Alliance One Network ATMs without additional fees through our mobile app locator.
Reviews (5)
Emma Thompson
Jun 14, 2021
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Today's experience can be added to the numerous great interactions I've had with HHCU! I made it in during a less busy time, around 2 pm, and Sheila was immediately available to help. With her help, I was able to open a new account, apply for an HHCU credit card, and even refinance my auto loan a whole 10% lower than what I was paying before! Sheila was incredibly helpful and nice through the whole process. Thank you, HHCU, for the help along my financial journey. I highly recommend this establishment for new customers, and look forward to coming back in the next phase of life.
Macy Campbell
Mar 03, 2021
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I go to pay for my food on a Saturday and card is declined. Plenty of money in the account. They froze my card. Reason? I have no clue, since they didn't give me the courtesy to call me first, send an email or a push notification in this age of technology. No excuses why you don't contact someone BEFORE locking their card. I called number on back of the card. Of course I can't talk to anyone because it's Saturday. So you got time to lock cards on a Saturday but no time to notify a customer. That's not good service. I'll be looking for another bank.
Milynne Romans
Jan 14, 2020
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Well, how do I begin? I am a SERVER so I get a ton of ones on a daily basis. Whenever I bring these in the women who work there get very frustrated! One woman even told me to organize the ones by putting them the same way (which she had stated in a very very unfriendly way). She was annoyed that she had to count them, however, there is a counting machine that she could have used!!!! She didnt even use it!!!! She had the worst attitude. Also, my bank account got hacked twice during the summertime along with a few other individuals who banked there. So, I had decided to start banking somewhere
Pheona Bailey
Oct 17, 2019
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Been with this bank for over four years and had too many issues to count. Rude customer service. CONSTANT issues with fraud charges and not returning the funds. Poor Security as well - I received several email notices over the years that their information had been hacked and patrons needed to pay close attention to their account activity the next fews days until the issue was resolved. Very Poor Credit Union.
David Gaither
Dec 30, 2018
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Very unorganized loan department. Will not return your calls regarding questions. Typical small town credit union. I will be withdrawing my checking and moving elsewhere.
