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Insurance Services:
FREE Accidental Death & Dismemberment
Credit Life
Extended Warranty
Financial Planning & Investments:

Financial Counseling:
GreenPath financial wellness

Smart Option Student Loan by Sallie Mae®
TRUECar® Member Showroom!
Enterprise Car Sales
divider Love My Credit union Rewards

Health Center Credit Union is pleased to offer our members the Love My Credit Union Rewards program. LoveMyCreditUnion.org offers members a wide variety of discounts on purchases you make every day. This program also shows Credit Union support for U.S. based companies such as Credit Union Auto Club, DirecTV, TurboTax, Allied Moving Services, TruStage Auto and Home Insurance and Love to Shop. Please see below for a list of highlights and visit LoveMyCreditUnion.org for more savings!

Talk about savings!
Say hello to the Sprint credit union member discount!
Save on phones, plans, fees and more!
Save with Love To Shop!
Receive cash back from over 1,200 online retailers!
Save on tax services with
Love My Credit Union Rewards!
Get Peace of Mind with the
ADT Credit Union Member Plan

*Discounts Provided by 3rd party companies and are subject to change at any time without notice.

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Alamo Car Rental

Enjoy Great Savings Alamo®. Receive 25% off select rentals and additional coupons!


*Discounts Provided by 3rd party companies and are subject to change at any time without notice.

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divider Six Flags

We're now signed up for savings! Just log into our own Six Flags site to buy tickets with substantial savings off the main gate price. This online benefit program offers not only substantial savings, but allows you to "print and go" so you have your ticket in hand when you get to the park with no waiting in the line to purchase tickets.

To access our special tickets, please go to
sixflags.com/PartnerLogin or click the link below, then log into the site with the username and password provided.

Special Ticket Link: https://sf-at.secure.accesso.com/embed/store.php?merchant_id=33581&emerchant_id=5007

Username: healthcuog

Password: SixFlags10
(Password is Numeric & Case Sensitive)

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Auto | Home | Accidental Death & Dismemberment | Credit Life | Extended Warranty | GAP

Auto Insurance

TruStage™ Auto Insurance Program

You trust your credit union to offer products and services to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Auto Insurance Program.

Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service.

If you haven't compared auto insurance lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149.

TruStage™ Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.


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Home Insurance

TruStage™ Home Insurance Program

You trust your credit union to offer products and services to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Home Insurance Program.

Working with carefully selected insurance partners, the TruStage Home Insurance Program can provide discounted rates for credit union members. You'll get quality coverage for your home: liability, personal possessions and additional living expenses. You'll also get the convenience of online servicing and 24/7 claims service.

If you haven't compared home insurance lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149.

TruStage™ Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.


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Accidental Death & Dismemberment Insurance

Health Center Credit Union wants to protect your family with...


As a Health Center Credit Union member age 18 or older you can help protect your family’s financial future with Accidental Death and Dismemberment (AD&D) Insurance underwritten by Minnesota Life Insurance Company. In addition to the $2,000.00 Credit Union Paid coverage, you can purchase Additional Coverage at group rates.

  • You are pre-authorized for Additional Coverage up to $300,000
  • Your acceptance is guaranteed - No Medical Exams or Health Questions
  • Benefits are paid to your beneficiary if you die from a covered accident
You cannot be turned down for the Credit Union Paid Coverage —or any additional coverage you may select. All coverage reduces by 50% at age 70 and older, regardless of age at enrollment.

Remember, the $2,000.00 coverage is at no cost to you. It’s complimentary of Health Center Credit Union.

Accidental Death & Dismemberment Insurance
Underwritten by Minnesota Life Insurance Company
Sponsored By Health Center Credit Union
Presented and Administered by Affinion Benefits Group, LLC
PO Box 41087
Nashville, TN 37204

For questions regarding your AD&D insurance coverage, please call the Plan Administrator at 1-877-309-6576.

Robert Dudacek, Licensed Insurance Agent #972576-TN
Minnesota Life Insurance Company

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Credit Life Insurance

Payment Protection is a SMART CHOICE for YOU and YOUR FAMILY.

Young Family

If you are like most consumers, you probably shop around for the best value and avoid unnecessary expenses. So if you’re borrowing money, the last thing you want is to pay extra each month for credit insurance, right? Think again.

Credit insurance purchased through your financial institution is an affordable way to get protection from financial uncertainties should you become unable to repay your loan.

If you plan to borrow money, ask yourself the following questions about your need for Payment Protection:

  • If you became unable to make your loan payments, would your spouse be able to do so without compromising your family’s lifestyle?

  • Which monthly obligation would be easier to meet: $370 when you’re healthy and working, or $345 (i.e., the cost of the payment without coverage) if you became unable to work?

  • Do you have adequate savings and/or insurance to cover current obligations such as mortgage payments or education expenses in the event of your death?

The last question is critical – 67% of workers in the private sector have no long-term disability income insurance.1

The experts are not in agreement about how much life insurance is enough; it’s difficult to apply a rule-of-thumb because the amount of life insurance you need depends on factors such as your other sources of income, how many dependents you have, your debts and your lifestyle. Remember that the sole purpose of life insurance is to replace your income in case you die, so that your family can maintain their current lifestyle.

Be Smart - Talk to your financial representative today about how you can protect your family!

1) Bureau of Labor Statistics, 2012

Payment Protection is credit insurance and is underwritten and administered by American National Insurance Company (Home Office – Galveston, TX)

Exclusions, limitations and terms of availability apply to this coverage. For cost and complete details, contact your loan officer.

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Extended Warranty - Full Open Enrollment!


In addition to offering new, used, and refinanced auto loans, we also offer Extended Vehicle Service Contracts through Vision Warranty Corporation for your auto, truck, or van. Get peace of mind and protection against expensive, unexpected automotive repair costs when you purchase an Extended Vehicle Service Contract.

Buy an Extended Vehicle Service Contract for less than the cost at most dealerships and enjoy:

  • Coverage of most major components in the event of a breakdown
  • No-hassle Direct Payment: no reimbursement forms
  • A one-time premium that may be financed along with your vehicle

Put the brakes on expensive car repairs. A factory warranty may not be enough. Most major repairs occur after the manufacturer's warranty expires. Consider adding an extended vehicle service contract to your loan. Coverage obtained through the Credit Union may save you money when compared to dealer plans.

Available Features Include:
  • Low deductibles - options of $0, $50, $100 or $200 available
  • Coverage for vehicles up to 11 years old with up to 150,000 miles on the odometer
  • Bumper-to-Bumper Exclusionary Coverage on vehicles up 11 years old and with less than 100,000 miles
  • Toll Free Roadside Assistance
  • Toll Free Claims phone number
  • Trip Interruption Coverage
  • Increased vehicle resale value
  • Repair work may be performed by a dealership, franchise repair facility, or an independent repair shop
  • Claims are paid directly via credit card
  • Service contracts are valid in the U.S. and Canada
Extended Warranty

Why purchase an extended service contract?
Did you know that 81% of credit union members who purchase a service contract will have at least one mechanical breakdown? Extended coverage can help you save money if your car ever needs to be repaired and your manufacturer's warranty has expired. In addition, it could help if you re-sell your vehicle. Pre-owned car buyers look more favorable upon a vehicle that comes with coverage. It represents a vehicle that has likely been well maintained by its owner. Should the buyer of the vehicle decline the option to transfer your coverage, you can cancel and apply for a pro-rated refund.

How do you get an extended service contract?
Contact your credit union loan representative or call Auto Exam toll free at (800) 709-5792 or visit www.autoexam.com for more information on the Vision Warranty Program provided by Auto Exam.

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GAP is Peace of Mind!

Your NEW car becomes a USED car as soon as you drive it off the lot! If the value of your car is less than the balance of your auto loan, you’re “upside down,” and there is a gap that isn’t covered by standard auto insurance. This difference requires a special type of protection called GAP coverage.

If your vehicle is ever totaled or stolen, your primary insurance will usually pay only the current market value of your vehicle, less your deductible. If the actual cash value is less than your current loan amount, the result could be a financial gap where you must pay the difference between your loan balance and your insurance settlement. This could mean thousands of dollars out of your pocket.

Do you need GAP protection?
A car starts depreciating as soon as you buy it, but never more than when you drive it off the lot – turning it from a “new” car to “used” car. To estimate the anticipated depreciation and the potential GAP risk, please contact your credit union representative and ask to receive a GAP Risk Illustration through the VisualGAP system. Amount

How GAP Coverage works:
Amount you owe on your auto loan: $20,000
Your car’s “actual cash value” at the time of loss: $15,000
What insurance company pays after deductible: $14,500
GAP helps waive: $5,500

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*Discounts Provided by 3rd party companies and are subject to change at any time without notice.

Financial Planning & Investments


What's available to you...

Financial Planning:
  • Education finding
  • Estate Planning
  • Individual Retirement Accounts (IRAs)
  • Brokerage and cash management services
  • Mutual funds
  • Annuities
  • Asset management


Retirement Planning:
  • Retirement needs analysis
  • Risk management in retirement
  • Retirement distribution planning
  • Retirement income options

HCCU has entered into an agreement with VALIC to make additional investment products available to you. VALIC has a wide range of products and services which complement our certificate of deposits including mutual finds, annuities, and brokerage services just to name a few.

If you are interested in learning more about these products or scheduling a personal retirement or financial planning session VALIC has three financial advisors in Augusta who are ready to meet at a location that is convenient for you including your home, your office, or a credit union branch office.

Valic Eric ValicRoss ValicTom
Eric Swierski Ross Douglas Tom Burckhalter

To contact any of our VALIC representatives please contact 706-722-4600, or contact any of our branches at 706-434-1600 for more information on Investment and Planning Options.

Securities and investment advisory services are offered by VALIC Financial Advisors, Inc., member FINRA, SIPC and an SEC-registered investment advisor. VALIC represents The Variable Annuity Life Insurance Company and its subsidiaries, VALIC Financial Advisors, Inc. and VALIC Retirement Services Company. Copyright © The Variable Annuity Life Insurance Company. All rights reserved. VC 22765 (11/2012) J88922 EE

Not NCUA/NCUSIF-Insured | May Lose Value | No Credit union Guarantee | Not a Deposit | Not Insured by Any Federal Government Agency | Possible Loss of Principal

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Financial Counseling
GreenPath financial wellness | BudgetSmart | CheckRight
Green Path Financial Wellness

As a benefit of your membership, HCCU offers you free access to money management and financial education services.

HCCU has teamed up with GreenPath, a financial education and counseling organization with comprehensive education and exceptional service. GreenPath has been assisting individuals since 1961, and has the goal of helping you achieve your financial goals and begin enjoying a better quality of life.

A caring GreenPath advisor will take time to understand your financial situation, explore your debt repayment options, and work with you to develop a customized action plan for getting out of debt. They will provide you with helpful tools and resources, and will be there to support you every step of the way.

 As a member of our credit union, with GreenPath, you have free access to money management and financial education services. You can receive assistance with:

  • Personal and family budgeting
  • Understanding your credit report and how to improve your score
  • Money Management
  • Debt Repayment
  • Avoiding Bankruptcy, foreclosure and repossession
  • Student Loan Debt

GreenPath can give personalized answers to your individualized needs. Ranging from a proactive savings plan to saving a home from foreclosure, advice is only a phone call away!

If you would like additional information on this service, contact a GreenPath financial counselor toll-free at 1-877-337-3399, or online at www.greenpathref.com.

Free Benefits for HCCU Members:

Toll-Free Information Line
Contact the GreenPath program for immediate help with any financial question. Financial counselors are available six days a week. No appointment is necessary.

Financial Counseling Sessions
Unlimited Counseling sessions are focused entirely on your concerns and needs. You are not limited in the number of sessions and your counselor will help you develop a customized budget and a detailed action plan based on your financial goals.

Credit Report Review
The GreenPath program provides credit report reviews to assist you in understanding your personal credit report and credit score. GreenPath financial counselors will help you resolve inaccurate information, understand how bureaus report information and how to become more credit worthy. Additionally, you can get a copy of your personal credit report from GreenPath for a nominal fee (state restrictions may apply.)

Housing Counseling
As a HUD-approved housing counseling organization, GreenPath financial counselors can help you with pre-purchase education, reverse mortgage counseling, or foreclosure prevention issues. Whether you have questions about the home-buying process or how to manage a budget once you get into your home, a GreenPath counselor can assist you.

Student Loan Debt Counseling
Student debt continues to rise at an alarming rate. Over 37 million Americans currently owe on student debt, and 34% of those individuals are over age 40. Student debt has exceeded credit card and auto loan debt and a third of students are leaving school with 20-year payment plans.

GreenPath financial counselors can help assess your income and expenses, find places to save, and plan a lifestyle you can afford. If you have student loan debt, we will help you explore repayment options and see if you qualify for any federal repayment programs. We will also help you understand the pros and cons of each available option so that you are making an informed decision.

GreenPath Newsletter
Pathways - GreenPath's Monthly Personal Finance Newsletter offers information regarding topics such as saving on a tight budget, unlocking secrets to your credit score, etc.

Debt Management Plan (DMP)
Working with you, a GreenPath financial counselor will contact your creditors to negotiate concessions and/or work out loan payment agreements. Typically, credit card companies will agree to lower interest, eliminate fees, and cease collection activity.
*Some fees apply for the DMP service.

GreenPath Financial Wellness

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BudgetSmart – BudgetSmart is a new and exciting software program now available on our website. This easy-to-use software tool uses simple graphics, "pop-up" boxes and bar charts to help you manage your money more effectively.  

You can use the program to:

  • Establish a budget 
  • Track spending 
  • View tips for improving areas of overspending or inadequate saving 
  • Experiment with "what if" scenarios to determine how a major purchase or change in income impacts your budget

Click on the budget smart logo or  click here to download the program to your computer FREE of charge, and you're on your way to creating your own personalized budget!

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CheckRight is a web-based checking account management education module designed to teach you how to manage a checking account.

Use CheckRight if:

  • you are looking to open a checking account for the first time.
  • you have had difficulty handling an account in the past.

Among other things, CheckRight will help you learn how to:

  • open an account
  • write checks
  • make deposits
  • maintain a check register
  • reconcile an account
  • create a spending plan

CheckRight is a self-study program that allows you to learn at your own pace. Once you have read through the chapters, you will be directed to a quiz that will test your knowledge on checking accounts. You will be able to view the results and you have the option to send the results to the credit union via e-mail. Please visit http://www.checkright.org.

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The Smart Option Student Loan® for HCCU by Sallie Mae®
For borrowers attending degree-granting institutions

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:
  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility
  • No origination fee and no prepayment penalty
  • Rewards and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists
To learn more, please get started here.

MKT11458 0116

* HCCU is compensated by Sallie Mae for the referral of Smart Option Student Loan customers.

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Sallie Mae Smart Option Student Loan

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