HVCU has provided my family with excellent service in every way for many, many years.
- HVCU Member
At heart, we’re more than just a financial institution. As a credit union, our mission, vision, and core values are at the forefront of every decision we make as an organization.
Our Mission
We’ve seen first-hand how we can affect members’ financial lives when we focus on your unique needs, problems, or challenges. Whether you are buying your first home, looking ahead to retirement, or any one of life's challenges in between, we want to connect with you and build a relationship that ensures your success.
Our Vision
To create financial security and a better quality of life.
Whether we are creating a new product or plan to offer a new service, we aim to create a better quality of life for our members and our communities. Helping you to achieve personal financial security not only improves your life, but also trickles down to all of our members and our cooperative, which in turn then trickles further down to the communities in which we live, work, and play.
Our Core Values
We are honest, ethical, and respectful in our actions and interactions.
We invest our time, talent, and resources to achieve an enduring, positive impact.
We set ambitious goals and deliver exceptional results.
We own our decisions and actions.
We work as a team, strengthened by our diversity, to exceed expectations.
Our core values define who we are as an organization and how we act as a group of professionals committed to excellence for you -- our members.
Comparing Credit Unions and Banks - The Credit Union Difference
While both credit unions and banks offer similar financial products, we have a different core value system and structure.
| Credit Unions |
Banks |
| Member-owned |
Owned by investors |
| Member service-driven |
Profit-driven |
Profits are returned to members through
services like free ATMs, better rates, and lower fees |
Profits go to stockholders |
Democratically governed and elections are
based on a one-member, one-vote philosophy |
Governed by paid shareholders and voting rights
depend on the number of shares owned |
| Invest directly back to members |
Invest in corporate bonds or stock market |
Members elect a volunteer Board of Directors
to represent their interests |
Have a paid Board of Directors who represent the owners and customers do not have a voice or voting privileges |