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Loans

Make HCPFCU your first stop for all your loan needs.

Get pre-approved to make the process easier for you. We’re here to help! Loans are approved based on creditworthiness.

  • No Application Fees

  • Same day Decisioning avail on auto and personal loans

  • Credit life insurance and Credit disability insurance available

  • No prepayment penalty

  • Competitive Rates


Auto Loans

Getting Pre-approved before you shop for your next vehicle will save you time and money. Auto Loans are available for:

  • New Cars and Trucks

  • Used Cars and Trucks

  • Recreational vehicles

  • Refinance your auto loan from another institution to save on your monthly car loan payment.


Shopping for your next car? Use our car payment calculator* to determine how much car you can afford, estimate monthly payments, and more.

 

Personal Loans

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Fixed rate, fixed term, fixed monthly payments and does not require collateral, like your car or home.

How can you use a personal loan?

  • Minor Home Improvement

  • Wedding Expenses

  • Holiday Loan

  • Take a much needed vacation

  • The uses are unlimited!

Use our calculator to estimate your monthly payment.

 

Mortgage Loans

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We are here for all of your mortgage needs.

Apply online - FIRST Mortgage

Apply online - Second Mortgage


As always, please feel free to reach out if you have any questions. 

We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act. Have immediate questions? Please call or stop in to see Darlene Callahan.

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  Darlene Callahan, NMLS #802973
  Executive VP Lending/HR
  DarleneC@hcpfcu.org
  765-962-3172 ext 105

Health Care Professionals Federal Credit Union NMLS #800677

 
 

Visa Credit Cards

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With a VISA credit card from Health Care Professionals Federal Credit Union you get :

  • Rates as low as 9.25% APR

  • Earn CURewards

  • Acceptance at over 20 million locations worldwide

  • Easy cash access at nearly 855,000 ATM's around the world

  • No cost travel protection.


Already have our HCPFCU Visa Credit Card?

  • Access your existing VISA Account : Check your statements, Make payments, etc.

  • Access CURewards - our Visa Card rewards program

Other helpful information:

  • You can call our main office at  765-962-3172 during normal business hours for any questions regarding your HCPFCU Visa Credit Card.  Here are a few handy contacts just in case you need them:

  • Payments: Health Care Prof FCU, PO Box 96099, Charlotte, NC 28296-0099

  • Billing Errors: PSCU, PO Box 31112, Tampa, FL 33631-3112

  • CURewards Questions? 1-800-637-7728

  • Customer Service:  855-519-9871

  • Lost/Stolen 800-449-7728

 

Calculators

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  • Simple Loan Calculator

    Calculate Your Loan Payment

    Enter the term, rate and loan amount; the loan payment will be calculated for you.

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    *The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

  • How much can I afford

    Loan Afford Calculator

    Enter the term, rate and desired payment; the loan total will be calculated for you.

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    *The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

  • Bi-Weekly Mortgage Calculator

    Calculate your Interest and Savings

    This calculator will show you how much you can save if you make half of your mortgage payment every two weeks instead of making a full mortgage payment once a month. In effect, you are making one extra mortgage payment per year!

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    *The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

  • Mortgage Refinance Calculator

    Refinance

    This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.

    Your Current Mortgage Information

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    Refinancing Information

     
     
     
    If you are unsure, multiply your current balance owed by 0.3.

    *The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

  • Simple Savings Calculator

    See How Much You Can Save

    To calculate the future value of a one-time, lump-sum investment, enter the dollar amount invested, the interest rate you expect to earn, and the number of years you expect to let the investment grow, then click the "Compute" button.

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    *The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

  • Multiple deposit Calculator

    Build Your Savings Calculator

    To calculate the future value of a monthly investment, enter the beginning balance, the monthly dollar amount you plan to deposit, the interest rate you expect to earn, and the number of years you expect to continue making monthly deposits, then click the "Compute" button.

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    *The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

 
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