Hsm

PO BOX 128, Hickory, NC 28603

NCUA Insured4.7 (29 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1977

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Hickory, NC may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1977

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO BOX 128

Hickory, NC 28603

Google Maps 🗺Waze

(828) 328-2201

Service Area

This credit union is located in Hickory and serves members in the NC area. Currently serving 2,160 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.57%

Used Auto Loan

7.70%

Personal Loan

12.40%

Credit Card APR

11.49%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NC

Lowest rates currently reported by credit unions in NC (NCUA Q4 2025).

Self-Help— New Auto Loan

Durham, NC

2.49%

Internal Revenue Employees— Used Auto Loan

Greensboro, NC

2.90%

First Carolina People'S— Personal Loan

Goldsboro, NC

8.00%

First Carolina People'S— Credit Card APR

Goldsboro, NC

8.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.7

29 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Pepper Cordero

a year ago

Everyone at the bank is super helpful and friendly. Janet walked me through and helped me purchase my first car on my own. She is a great person and truly cares about your financial well-being. I would highly recommend anyone and everyone I know to bank with ther HSM credit union!!

Phyllis McKee

8 months ago

I have been with them for over 20 yrs. Nice, friendly ,helpful staff. Always eager to help in any situation

Rachel Schmidt

5 years ago

Not a member but when I called to see what the qualifications were, Lori was super rude and hung up on me when I didn’t qualify. Not even a have a nice day or good bye. Glad I don’t qualify for this credit union