People's Trust. A financial Co-Op

Happy Un-banking

Welcome to People's Trust

Dear HCEFCU Member,

We are very excited to have you as a member of People’s Trust. You’ll now have access to a wide variety of personal financial services including checking accounts and insurance and investment services.

This handbook provides you with information you need to know about your new People’s Trust accounts and the conversion process. Also, to the right are our People’s Trust Membership Agreement, Truth in Savings Disclosure, Loan Rate Sheets, and a Fee Schedule. I encourage you to take a few minutes and read through these documents. Although the transition process should be smooth, you should be aware of a few changes which are outlined in this document.

Please note that the merger will take place on July 31, 2014. The HCEFCU branch will close at 2:00 PM and online banking will be unavailable during this time. Our Virtual Branch will be open, although services will be very limited. Please plan accordingly and complete your transactions before or after the merger weekend.

If you have additional questions or need more information, please do not hesitate to contact us at 713.428.3200 or email us at

Once again, I welcome you to our family. You will continue to receive the same high level of service you’ve been accustomed to at HCEFCU. We look forward to serving you in the near future.

Happy Un-Banking!

Angela McCathran


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