Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment.  A credit union doesn’t operate in that manner.  Rather, each credit union member owns one “share” of the organization.  The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.

Click on the Forgot your username or password link, enter your phone number, then select the I forgot my username option. Enter your phone number and your username will be emailed to you. 

Click here for more information.

No, you do not need to be a member in order to apply for a loan.  However, you do have to meet our membership eligibility requirements before signing loan documents.  Please see Who Can Join for additional information.

Credit unions are not-for-profit cooperatives that exist to serve the financial needs of their members (who are also owners) and offer the same types of banking products and services you would find at other financial institutions, including savings and checking accounts, loans, mortgages, Internet home banking and bill payment, and more.

A volunteer board of directors, elected by the members, governs a credit union.  With their vote, each member has a direct impact on the direction of the credit union. 

Also, “People Helping People” is the credit union philosophy. The credit union operates to promote the financial well-being of their members.
 

For more information on The Credit Union Difference, click here.

Your OHecu VISA Debit Card may be used to withdraw cash from an ATM up to $600 or the available balance in your account, whichever is less, and/or conduct Point of Sale transactions up to $5000 or the available balance in your account, whichever is less.