Featured Savings Rates
Featured Accounts

HSM Solutions Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.65%1-year CD1 Year CD
0.15%SavingsRegular Shares
0.05%CheckingInterest Bearing Checking Account

Overview / Commentary
828-328-2213 X3155
235 2nd Ave NW
Hickory, NC 28601

HSM Solutions Federal Credit Union is headquartered in HICKORY and is the 67th largest credit union in the state of North Carolina. It is also the 4,856th largest credit union in the nation. It was established in 1977 and as of March of 2017, it had grown to 3 employees and 2,042 members at 1 location. HSM Solutions Federal Credit Union has a C- health rating.

Field of Membership Restrictions

Membership in HSM Solutions Federal Credit Union is open to employees of Hickory Springs Manufacturing or one of their wholly owned subsidiaries.
See current membership details

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Health
C-
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. HSM Solutions Federal Credit Union has a very low asset base, and a negative return on assets.

Health Grade Components

Overall
NCUA #22740
Year Chartered1977
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD-2.54%
Return on Equity - YTD-25.59%
Annual Interest Income$63.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$4.9MM$4.7MM
LoansQ1 2017vs Q1 2016$3.2MM$3.4MM
DepositsQ1 2017vs Q1 2016$4.3MM$4.2MM
Equity CapitalQ1 2017vs Q1 2016$469.00K$503.00K
Loan Loss AllowanceQ1 2017vs Q1 2016$75.00K$51.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$118.00K$50.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

HSM Solutions Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$1k*-Regular Shares
OTHER TIERS: 0.05% $100 - $1k
0.05%--Christmas Club
0.05%--Vacation Club

HSM Solutions Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Interest Bearing Checking Account

HSM Solutions Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%*$10k*-1 Year CD
OTHER TIERS: 0.40% Up to $10k
0.50%*$10k*-6 Month CD
OTHER TIERS: 0.30% Up to $10k
0.15%--90 Day CD
Locations


HSM Solutions Federal Credit Union Locations
Branch Office235 2ND AVE NWHICKORY, NC 28601