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The HMC (N.J.) Federal Credit Union, established in 1978, is a cooperative organization owned entirely by its members and operated for the benefit of all who belong. Like all Credit Unions, the HMC (N.J.) Federal Credit Union is a not-for-profit organization. The members’ deposits provide funding for other members who need loans. Repayment of these loans generate income to pay dividends on savings and to pay operating expenses. This is the long standing philosophy of Credit Unions in action, “People Helping People”. When you choose the HMC Credit Union as your financial institution you are not just a customer to us, you are a valued member and owner. We are committed to providing you with a safe and convenient place to do all your financial activities and an easier, more economical way to borrow. You can leave HHS, move or retire and never have to leave the HMC Credit Union. “Once a member, always a member.” Credit Unions will always be: not for profit, not for charity, but for service!