The Credit Union Difference

Since 1952, Hughes has been committed to making a positive difference in our members' financial lives. We take our members further by offering an exceptional service experience. We offer low-cost products and services, including one low rate on loans, higher dividends on savings, convenient online and mobile services, and more. Hughes will help you reach your financial goals.

You're a Member, not a Customer. When you join Hughes, you're part of a not-for-profit financial cooperative, owned by and accountable to the members who save and borrow here. Credit unions are different than banks – we exist to serve our members. Instead of paying stockholders, we return our profits to members through higher savings rates, lower loan rates, interest-earning checking, and fewer and lower fees. 

Family in front of Arizona softball team sign. School kids with masks and books in classroom. Group with donations in front of hospital. Fire fighters and Hughes team in front of fire truck. Back of Hughes shirt and boxes of Girl Scout cookies. Hughes and hospital staff with toy donation.

Benefits of Hughes Membership

  1. Fewer & Lower Fees. We have FREE checking with no minimum balance and no monthly fee. FREE Bill Pay. FREE eStatements. Unlimited Check Writing. And more!
  2. One Low Rate on Loans. We don’t switch loan rates based on your credit score. The rates we offer are simply one rate for all approved applicants. Save money and lower your monthly payment with our fixed or adjustable rates. 
  3. High-Yield Accounts. Experience unparalleled returns with our Prestige Money Market Savings and our limited-time 17 Month Jumbo Certificate Account (CD) – both offering some of the highest rates in the state.
  4. Branches & ATMs. Hughes has conveniently located branches in Southern Arizona and we are part of the CO-OP Shared Branch Network giving you access to 5,000 other locations and the CO-OP ATM Network with nearly 30,000 surcharge-free ATMs.
  5. Hughes Helps. We give back to our community through charitable donations, sponsorships, scholarships, and financial education.

      Frequently Asked Questions

      You may join Hughes Federal Credit Union if you:

      • Live, work, worship or attend school in Tucson
      • Are employed by one of our Select Employer Groups
      • Have a family / household member who is a member of Hughes: Family member – a spouse, child, sister/brother, parent, grandparent, grandchild, stepparent, stepchild, stepsister/brother, or adopted child. A household member is a person living in the same residence sharing household expenses.
      • Make a small donation to one of the following community Special Interest Groups:
        • Friends of the Oro Valley Public Library
        • Friends of the Pima County Public Library
        • Friends of the Kirk Bear Canyon Library
      You will need the following information to complete an application online or in a branch:
      • Social Security Number
      • A valid form of government issued identification more than 30 days old
      • A second form of identification (e.g., insurance card, credit card, utility bill)
      • Previous address if at current address less than two years
      • Joint Applicant/Co-Borrower information (if applicable)
      • If applying for membership: Information to fund your new account (existing HFCU member number, account and routing number from another financial institution, or a credit/debit card)
      • If applying for a loan: Previous employer information (if at current employer less than two years), Proof of income, and Collateral information (secured loan requests only).

      If you would like to add a new joint owner to your existing membership you have several options:

      • Use the online Add a Joint Owner Application (fastest and easiest).
      • Come into a branch together and a Member Services Representative can assist you. Be sure to bring two forms of ID, one being a government issued ID such as a U.S. driver's license.
      • Call 520-794-8341 and request that the form be mailed to you.

      Use our Location Finder to search for a CO-OP Shared Branch or surcharge-free ATM near you.

      Current loan rates are listed on each Loan Product page. See a comprehensive list of rates on our Rates & Fees page.

      Get started

      Open an account online or visit one of our convenient branches. You'll need:

      1. Your Social Security Number
      2. A valid form of government-issued identification more than 30 days old
      3. A second form of identification (e.g., insurance card, credit card, utility bill)
      4. Information for funding your new account (existing Hughes account number, account number and routing number from another financial institution, or a credit/debit card)
      5. Your previous address (if at current address less than two years)
      6. If applying for a joint membership/account, the secondary applicant's information
      7. Other restrictions may apply

      Open an Account

      BauerFinancial Recommended

      Hughes has been rated as a Five-Star "Superior" or Four-Star "Excellent" financial institution by BauerFinancial since 1991.

      BauerFinancial Ratings