--- title: "HSM Credit Union Rates & Who Can Join - North Carolina" description: "HSM Credit Union is a credit union in North Carolina. Rate data is being verified. See who can join HSM Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-carolina/hsm" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # HSM Credit Union Rates & Who Can Join - North Carolina No currently verified rates are available for this institution. We hide rates that fall outside the serving freshness window instead of presenting old figures as current. HSM Credit Union is a credit union in North Carolina. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-carolina/hsm) , verified from [HSM Credit Union's official website](https://www.hickoryspringsfcu.org/) Loading branch locator… ## About HSM Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.1K Assets $5.8M Founded 1977 Locations reported 1 NCUA charter 22740 Charter type Federal credit union ### Services and member support - Online loan application - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**State Employees'** HICKORY - 16TH ST NE · HICKORY · NC · 28601 About 1.3 miles away](https://rateapi.dev/credit-unions/north-carolina/state-employees) [**Shuford** Hickory Office · Hickory · NC · 28601 About 2.5 miles away](https://rateapi.dev/credit-unions/north-carolina/shuford) [**Members** Members Credit Union - Hickory · Hickory · NC · 28601-3182 About 2.6 miles away](https://rateapi.dev/credit-unions/north-carolina/members) [**Summit** Summit Credit Union · Hickory · NC · 28601-6207 About 2.8 miles away](https://rateapi.dev/credit-unions/north-carolina/summit) [**Nova** Nova Credit Union · Hickory · NC · 28602 About 3.8 miles away](https://rateapi.dev/credit-unions/north-carolina/nova) [**Telco Community Credit Union** Hickory Office · Hickory · NC · 28602-5018 About 3.9 miles away](https://rateapi.dev/credit-unions/north-carolina/telco-community-credit-union) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join HSM Credit Union Membership eligibility from HSM Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on HSM Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [HSM Credit Union's membership page](https://www.hickoryspringsfcu.org/) . Final membership determination is always made by the credit union. ## Membership rules for HSM Credit Union Employers · Family 2 published paths to membership, last verified August 21, 2026, quoted from HSM Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of HSM “Our members are employees of HSM or one of their wholly owned subsidiaries” > [source ↗](https://www.hickoryspringsfcu.org/) - Employee of HSM ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family members “Our members are employees of HSM or one of their wholly owned subsidiaries and their immediate family members.” > [source ↗](https://www.hickoryspringsfcu.org/) - Family member (immediate family members) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for HSM Credit Union? Yes No ## Work at HSM Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where HSM Credit Union ranks against North Carolina peers. - See which AI assistants fetched HSM Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in North Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=hsm&state=north-carolina&code=NC&name=HSM%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does HSM Credit Union offer? HSM Credit Union is a credit union in North Carolina. Rate data is currently being verified. ### How often are HSM Credit Union rates updated? RateAPI verifies HSM Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get HSM Credit Union's rate data? Rate data is collected directly from HSM Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join HSM Credit Union? HSM Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 employer for HSM Credit Union, each quoted from HSM Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare HSM Credit Union's rates against national credit-union benchmarks. [More North Carolina credit unions](https://rateapi.dev/credit-unions/north-carolina) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.hickoryspringsfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track HSM Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when North Carolina credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for HSM Credit Union curl "https://api.rateapi.dev/credit-unions/north-carolina /hsm " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## HSM Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/north-carolina/hsm Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp