Thanks for asking for more information about Health Center Credit Union (HCCU). We are not a bank, ‘savings and loan’ or a brokerage house. We are a state chartered, federally insured credit union. If you are not a credit union member, scroll down to the bottom of this page to view the section titled ‘What is a Credit Union’ and experience the world of difference credit unions have to offer.

Serving our members to our fullest potential means putting our members’ best interests at heart. Please take a look at Our Mission to get an inside view of how we fulfill our mission statement every day with each and every member we serve. Qualifications for membership can be found on our membership page.

We are a full service financial institution dedicated to serving and meeting the needs of our members. Since 1976, we have grown to over $50 million in assets and proudly support a membership of just over 7,000. Scroll down to Our History to find out how we have grown.

It is always a priority to give back to the community that supports us. We do this through lower rates and higher dividends to our members as well as donations to the Children’s Hospital of Georgia and support to the schools of Richmond, Columbia, and Lincoln Counties. Contact us for further information. We are Health Center Credit Union – Helping People Afford Life.

Our History
In 1976, Health Center Credit Union (HCCU) was chartered by the Georgia Department of Banking and Finance. HCCU opened its first office in the Murphy Building at the Medical College of Georgia (Augusta). The second branch was opened in 1987 at St. Joseph Hospital (University Hospital Summerville) followed by branches at Augusta State University (Augusta), the MCG Annex II (Augusta) and Evans. On May 2nd, 2016 we combined four of our smaller branches into one larger location at 1424 Walton Way, offering the current membership more amenities and room to grow.

Our Mission
To provide competitive, friendly, convenient financial services to the membership in a fiscally responsible manner.

Our Vision includes:
– Ensuring quality service to every member
– Making loans to our members in an expeditious manner
– Safeguarding the financial future of our members by continually educating them on our products and services
– Providing a challenging and rewarding work environment that fosters teamwork and friendship among the staff.
– Maintaining adequate earnings to support our growth while paying competitive dividends to our members

What is a Credit Union?
Credit unions are not-for-profit, member-owned financial institutions operated for the benefit of its membership. According to the treasurer of a Midwestern credit union after the Depression, credit unions were “not for profit, not for charity, but for service,” which is still true today. Credit unions offer reduced loan rates, pay higher dividends on savings and additional earnings are redistributed to members in the form of new products and services. Membership eligibility requirements are contained in the credit union’s charter, and the volunteer board of directors are elected from the field of membership. Find out more about the credit union movement at