Smarter Members. Smarter Choices.

We are a local, full-service, not-for-profit financial institution and since 1967 we've helped our members make smarter decisions about their money. It's our way of taking care of the people who take care of our community.

Smarter members icon, local values. community focused.

Member benefits

HFCU offers many benefits including:

Atm icon

Access thousands of FREE
ATMs nationwide.

Financial needs icon

Solutions to meet all of your
financial needs.

Better rates icon

Get better rates on loans & higher yields
on savings.

Your money stays local icon

Your money stays local...right here in the
Richmond area.

Mobile banking app icon

Have access to your account anywhere,
anytime, with our mobile banking app.

Discount theme park and movie tickets, notary services, money orders and more icon

Discount theme park and movie tickets,
notary services, money orders and more. 

Our community

Henrico FCU currently serves those who live, work, worship, or attend school in Henrico County and 20 other cities and counties in the greater Richmond area including: 

Amelia County
Town of Ashland
Caroline County
Charles City County
Chesterfield County
City of Colonial Heights
Cumberland County
Dinwiddie County
Goochland County
Hanover County
Henrico County

City of Hopewell
King & Queen County
King William County
Louisa County
New Kent County
City of Petersburg
Powhatan County
Prince George County
City of Richmond
Sussex County

Henrico county map

In addition, we welcome all immediate family members of current Henrico FCU members to join our credit union and experience the Henrico FCU difference.

We take our responsibilities very seriously here; our credit union leaders care about you. We work hard in this fast-paced environment solving problems and finding ways to improve ourselves and your credit union every day.

What's the difference?

Henrico FCU is a member-owned financial cooperative designed to help members make smarter financial choices. So what’s the difference between banks and credit unions?

 Credit Union Banks
Purpose  For people, not profit  For profit
Ownership  Members share ownership  Customers with no ownership
Decision  Democratically controlled by members and volunteers   Controlled by paid officials 
Service  Service driven   Profit driven 
Profits  Return profits to members through better rates, low or no fees, and new services   Return profits to stockholders 
Insurance  Federally insured by NCUA   Federally insured by FDIC 

How to join

Are you ready to join us? In 4 easy steps you can become a member of Henrico FCU today! 

Complete the application icon 1
Complete
the application

Click here to access and
print the Henrico FCU
Membership Application.

Bring it to HFCU icon 2
Bring it
to HFCU

Bring the completed
application and an unexpired government-issued photo identification to any of
our Henrico FCU
locations.

Make a Deposit icon3
Make a 
Deposit

Deposit $5 to establish
your membership.

Enjoy the Benefits icon 4
Enjoy the 
Benefits

Enjoy the benefits
of being a
Henrico FCU member!