Huntington Beach Credit Union (HBCU) is a member-owned financial cooperative providing a range of financial services including savings accounts, checking accounts, loans, and home equity lines of credit. Serving the Huntington Beach community, HBCU operates in the credit union market, which focuses on providing financial services to its members rather than generating profits for shareholders. The business model is based on member deposits, which are used to fund loans and other financial products. HBCU makes money through interest on loans, fees for certain services, and interchange fees from debit card transactions. The credit union also offers extensive ATM access, including surcharge-free withdrawals at nearly 30,000 ATMs nationwide, and incentivizes member referrals with financial rewards. HBCU is federally insured by the NCUA, ensuring the safety of member deposits.

Keywords: credit union, savings, checking, loans, home equity, ATM access, member-owned, financial cooperative, Huntington Beach, NCUA insured.