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Priority Trust Credit Union (formerly HMFCU) is a member-owned credit union offering checking, savings, loans, mortgages, and auto financing with competitive rates and personalized service.
Data compiled from public sources
Priority Trust Credit Union operates as a member-owned, not-for-profit financial institution serving the community with a focus on accessible financial services. The organization has deep roots in its community, as evidenced by its 96th Annual Meeting, indicating decades of established operations and member relationships.
The credit union provides a comprehensive suite of financial products including checking and savings accounts, personal loans (signature loans and lines of credit), auto financing, motorcycle and ATV loans, RV financing, mortgages through partnerships with Member Home Loans, credit cards (Platinum Rewards Visa and Secured Visa), and insurance services. They also offer auto buying services through a preferred dealer network and member auto center partnerships. Additionally, the institution provides financial education and counseling resources to support member financial literacy.
Priority Trust distinguishes itself through competitive rate structures, personalized service, and member-focused benefits. Their auto financing rates start as low as 4.05% APR for borrowers who meet provider criteria, and they offer rate discounts for automatic payments (0.25%) and substantial down payments (0.50%). The organization actively communicates fraud alerts to protect members, such as recent warnings about fake cashier's checks and impersonation scams, demonstrating proactive member security measures.
As a credit union, Priority Trust operates on a not-for-profit basis, meaning profits are returned to members through better rates and lower fees. However, membership eligibility criteria typically apply, and rates vary significantly based on creditworthiness. Second Chance loans carry higher rates (18.00% APR) and additional requirements like pledged savings. The institution's services are competitive within the credit union space, though some offerings rely on third-party partnerships for listed services like mortgage brokerage.
This is state-level context for Credit Unions consumers in Hialeah, FL. It does not confirm that Hialeah Municipal Employees or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Hialeah Municipal Employees offers 13 services including Checking and savings accounts, Signature personal loans (up to 60 months, 9.00-15.99% APR), Lines of credit (up to 60 months, 11.99-15.99% APR), Second Chance signature loans and lines of credit (18.00% APR with pledged savings requirement), Auto loans for new and used vehicles (up to 84 months, 4.75-17.99% APR), and 8 more.
Hialeah Municipal Employees has profile signals associated with Community members seeking competitive auto financing with flexible terms up to 84 months, Individuals with fair or poor credit seeking Second Chance personal loan or line of credit products, Members prioritizing comprehensive financial services from a single institution with personalized service, Consumers interested in member-owned institutions that return profits through rate claims to verify.
Key strengths: Auto financing rates as low as 4.05% APR with automatic payment and down payment discounts available; Second Chance Loan products available for members with credit challenges (up to 18 months at 18.00% APR); Comprehensive product suite including checking, savings, loans, mortgages, auto buying services, and insurance. Areas to consider: Personal loan rates range up to 15.99% APR for standard signature loans, higher than some competitors; Second Chance products require additional pledged savings (up to $500) and mandatory automatic payments.
In the Credit Unions category, comparable providers include American Airlines Federal Credit Union, Community First Credit Union, GTE Financial Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Priority Trust Credit Union is profile signals for community members seeking competitive auto financing and comprehensive financial services from a member-owned institution, particularly those with established credit or who qualify for their Second Chance products. The main caveat is that membership eligibility requirements apply, rates vary significantly by creditworthiness, and personal loan and credit card APRs can be relatively high compared to some competitors.
American Airlines Federal Credit Union is a credit union offering checking, savings, auto loans, mortgages, and credit cards primarily to American Airlines employees and their families.
Google rating from 67 reviews
Profile signals: American Airlines employees and retirees seeking employer-affiliated financial services, Airline industry employees looking for auto financing with industry-specific rate claims to verify
Community First Credit Union of Florida is a member-owned financial institution offering checking, savings, loans, mortgages, and credit cards with a focus on local banking and financial wellness.
Google rating from 1,813 reviews
Profile signals: Florida residents seeking personalized local banking with community-focused service, Consumers prioritizing financial education and wellness resources alongside banking services
GTE Financial is a credit union serving members since 1935 with checking, savings, loans, mortgages, and credit cards. They emphasize member benefits, community involvement, and rate claims to verify.
Google rating from 279 reviews
Profile signals: Local Tampa Bay residents and businesses seeking comprehensive financial services with personalized local branch support, Members prioritizing community impact and charitable giving, as evidenced by $607,000 annual donations and volunteer engagement
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