As northern Michigan begins to open its doors, we would like to welcome our members back into our lobbies. On Tuesday, July 7, 2020 we will open our Main Office lobby on Chisholm Street. Members will be required to social distance and are required to wear a mask.
Main Office lobby hours will be 9:00 am to 5:30 pm
The Branch Office lobby on Ripley Blvd. will remain closed until July 20, 2020.
Both locations will continue to offer extended services at
Lending and membership services are preferably by appointment.
Please call (989) 354-4698 to schedule your appointment.
We thank you for your cooperation and patience as we adjust to the necessary changes to our lobby service to protect you, our member,
and our staff.
May 26, 2020 Update
H.P.C. Credit Union continues to closely watch the COVID-19 situation. The Executive Order to Stay Home has again been extended. This time through June 12, 2020 with some businesses being allowed to partially open. For member and staff safety, our lobbies will remain closed at this time. We will continue to have telephone and extended drive through services during the following hours at both of our locations.
Monday - Friday    9:00 am to 5:30 pm
Saturday                9:00 am to Noon
If you are experiencing a financial hardship we may be able to help. Please see the ways we can help you below or call us at (989) 354-4698 for your individual consultation.
We appreciate your membership. Stay well.
April 25, 2020 Update
H.P.C. Credit Union has already offered assistance to our members with mortgages that have been affected by COVID-19. So, when the State of Michigan and the Department of Insurance and Financial Services presented the MiMortgage Relief Partnership which works towards the same goals, we agreed to join forces. If you have been financially affected by COVID-19 and have a mortgage with H.P.C. Credit Union, we have committed to helping you maintain your home. Here is how we can help you.
Provide up to 90 days forbearance on your mortgage payment
Forbearance allows you to defer your payment until a later time. Please note that interest will continue to accrue on your loan even if your payment has been deferred. When your payments resume the interest will be paid first.
Waive or refund mortgage related fees and charges incurred for up to 90 days for those accessing relief
Refrain from reporting adverse credit scoring information based upon you accessing relief
Working with you regarding specific needs and concerns
We encourage you to contact our office at (989) 354-4698 as soon as you know you may have difficulty making your mortgage payment. Don’t wait until your mortgage is past due. We are here to help.
April 1, 2020 Update
We are actively monitoring the rapidly changing COVID-19 situation. As an essential service we are committed to remaining open and serving our members. In an effort to help contain the spread of the virus by following the mandates of our federal and state authorities to practice social distancing and stay home if possible, we are modifying how we do that. Until further notice:
Our telephone and drive-thru hours at both locations are now
Monday - Friday 9:00 AM to 5:00 PM
Saturday 9:00 AM to Noon
This doesn’t change the availability of products or services. Our drive-thru continues to provide expanded transactions with that same great service you are accustomed to.
For the safety of you, our member, and the staff we strongly encourage you to conduct your transactions with us through our electronic access options listed below or using our night drop box available at both locations.
Online/Mobile Banking is available 24/7 where you can check balances, transfer funds, pay bills, and more. Simply click the ITSME247 link above.
Telephone Banking allows you to check balances and transfer funds. Call 1-800-860-5704 --- Use Our Credit Union Access Code—138
Call us during office hours at (989) 354-4698
Use your ATM/Debit card at any of the 30,000+ fee free ATMs in our network. Visit our ATMs on site at both locations or find one near you with the ATM locator on the right side of this page.
Thank you for being an H.P.C. Credit Union Member. We wish you health and safety in the coming weeks.
COVID-19 Financial Assistance
H.P.C. Credit Union appreciates every member and realizes that at this time it may be difficult to meet your financial needs. To help those that may need it we are offering the following programs.
Skip-A-Pay – This is a no fee, don’t worry about your payment option. This option is available in ITSME247 Home Banking. Simply log in and click on the SP button next to your loan and you are done. Don't have access? No problem, call us we'll do it for you.
Interest will continue to accrue and when your payment resumes, the accumulated interest will be paid first.
Easy Money Loan – You can use this low rate loan for anything! Not working right now because of COVID-19? No Problem. Call us and ask how we can get you up to $1,000.00 today.
Some restrictions apply. Current rate of 1.00% APR.
Member Business Loans qualify for Skip-A-Pay. Contact the Business Lending Department and ask how.
It is during times like these that there is a rise in fraud attacks, scams, and attempts to obtain financial information. In order to avoid falling victim, it is important to be aware of such scams. These scams are focusing in on the COVID-19 pandemic to increase the chances of obtaining cash or your personal information.
Offering COVID-19 vaccine, cure, air filters, or testing
Fake coronavirus-related charity scams
Scams targeting your Social Security benefits
Tips to help you avoid the latest scams.
Be on alert for suspicious emails, phone calls, or text messages. Don’t click or interact with sources you don’t know. Clicking a link in an email or a text message could download a virus to your computer or device. The phone calls could be from scammers phishing for your personal information or cash donations. Some scams claim to have a test, treatment, or other product associated with COVID-19. Don’t interact with them.
Beware of emails claiming to be experts with information about the virus. For the most up-to-date information about the Coronavirus, visit the Centers for Disease Control (CDC) and the World Health Organization(WHO).