“We provide the banking services you need with substantial savings versus most financial institutions.  That’s because at HFCU you’re more than a customer, you’re a member-owner!  

Unlike a bank, HFCU is a not-for-profit organization owned and governed by its members, and as such, our #1 priority is the financial health of our members.  For 40 years we’ve been focusing on members over profits, and providing a full range of banking services with great rates, low fees and no hassles.

We are a community chartered credit union and membership is open to anyone who resides, works, worships, or attends school in Habersham, Banks, or Rabun Counties.

To join the credit union simply open a savings account with a minimum deposit of $25 and a one-time, non-refundable membership fee of $5.00.

Habersham Federal Credit Union also offers the utmost in security to our members. Accounts are federally insured up to $250,000 through the National Credit Union Administration (NCUA), a U. S. government agency.

Become a Member-Owner today!  It’s quick, it’s easy, and it can help you Afford Life.”