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Our current field of membership includes:
- Anyone who lives, works, goes to school, worships or has a business in Northampton County, PA
Another bonus is that once you have joined the credit union, your family members are also eligible for membership. They include: Children, Step-Children, Parents, Step-Parents, Brothers, Sisters, Step-Brothers & Sisters, Grandparents and Grandchildren. If you have a question about membership eligibility, feel free to stop by or call (610-868-8211) for details.
Please note: When you open account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Read more...
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- Heights Community Federal Credit Union is a member-owned financial institution, created to provide superior financial services at fair and competitive rates, while maintaining the highest level of professionalism.
- We aim to assist members achieve personal financial strength and security through education, while maintaining the credit union's stability.
- Our members are our number one priority!
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Heights Community Federal Credit Union was started in March of 1939 by parishioners of the Church of Sacred Heart of Jesus, Bethlehem Township. Based upon the overall credit union philosophy of "People Helping People" our mission remains the same today even though we have grown to more than 3,500 members.
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Credit unions were originally started in Germany during the mid-19th century. A group of innovative farmers realized that if they pooled their money together they could buy supplies in larger quantities at a reduced cost.
They also set aside excess earnings during good harvests, so they could borrow from that common fund during times of bad harvest at lower rates than those offered by other financial institutions.
The credit union concept was introduced to America by a Boston merchant named Edward Filene in the early part of this century. Today there are more than 13,000 credit unions, with a combined membership of nearly 65 million people.
Unlike banks and other financial institutions, credit unions are not-for-profit. This means that instead of having to produce a high profit for a few exclusive shareholders, credit unions return excess earnings to their members. This is done in the form of higher dividends on savings and investments, lower interest rates on loans, or through the addition of new products and services.
Another unique difference is that each credit union is overseen by a volunteer Board of Directors. These directors are elected annually from the membership and are truly concerned with what is best for the credit union, not what's in it for them.
While other types of financial institutions have been struggling in recent years, most credit unions have remained strong and very solvent. In fact, they are by far the soundest financial institutions in the country today.
If you are a member of this credit union, continue to support it through the use of the products and services offered. If you are not, ask about how you can become a member and start realizing the many benefits credit union membership can offer you today.
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