New Live Help Options!

We’ve continued our investment in technology features that make it easier for you to manage your accounts and communicate with us!  Part of this commitment includes our new, enhanced, text messaging platform, live chat and our Credit Union Concierge, Penny.

Text Us:

You communicate via text message with just about everyone.  now you can text HCFCU too!  You can text one of our representatives with any of your account related questions.  Check out the list of Keywords at the end of this page to view automated responses.  Here are our text message lines:

Member Services:     314-645-5851

Loans:                       636-449-3305

Collections:               314-446-6564

Live Chat:

Click the “Get live help!” icon in the lower right-hand corner of the page to initiate a live chat session with one of our Member Service Representatives.  Live chat is a great solution to your technical questions as you can initiate a co-browsing session.  This will allow our representatives to view your screen and guide you through the solution to your issue.

Talk to Penny:

Penny is the official Credit Union Concierge.  She is here to help answer your questions and connect you to a Member Service Representative when she can’t help.  Ask her your questions about our website, or select one of the questions she gets the most.  If she can’t help, you can request a connection with a live-agent.

Video Banking:

Looking for a face-to-face interaction but short on time for an in-branch appointment?  We now offer video banking!  Connect with one of our Member Service Representatives via secure video session on your smart-phone, tablet, desktop or laptop.

This feature is available during normal business hours.  You can connect with us through the Credit Union Concierge, Penny.

Text Message Auto Response Keywords

Our auto response keywords are a great way to get information quickly.  Text any of the keywords below to receive an automated response instantly.


Provides addresses for our locations & a link the CO-OP shared branch locator


Provides our routing number


Link to our current savings and loan rates


Link to loan app and rates


Link to information about personal loans


Link to information about car loans

Credit Card

Link to information about our credit cards


Link to information about our home loans

Home Equity

Link to information about our home equity loan programs


Provides our wire instructions


Provide link to loan application


Link to our holiday schedule


Provides contact information for lost or stolen debit and credit cards