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Smarter Members. Smarter Choices.

Henrico Federal Credit Union is a local, full-service, not-for-profit financial institution. As a community credit union, we are open to the Greater Richmond area for a variety of financial services including Share Branch services.

When you join Henrico FCU, you have access to a variety of account services including great certificate rates and competitive loan rates. Just walk into one of our eight locations and ask about HFCU eligibility. It takes five dollars to start your Share Account.  


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

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 accounts 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 Federal Credit Union currently serves those who live, work, worship, or attend school in Henrico County and 19 other cities and counties in the surrounding 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 Federal Credit Union members to join our credit union and experience the credit union difference.

What's the difference?

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

Services 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 

Join Now

Are you ready to make Henrico Federal Credit Union your primary financial institution? In 4 easy steps, you can become a member today!

Complete the application icon 1
Complete and
print the application

Henrico Federal Credit Union
Membership Application

Bring it to HFCU icon 2
Bring it

Bring the completed application
and current government-issued photo identification to any of
our Henrico FCU

Make a Deposit icon3
Make a 

Deposit $5 into your to

establish your membership

Enjoy the Benefits icon 4
Enjoy the 

Enjoy the benefits
of being a
Henrico FCU member!