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How To Join


Members of Hilco Federal Credit Union must be employed, retired, or be in the immediate family (same household) of an employee of the Kerrville State Hospital, City of Kerrville, Kerr County, United States Department of Agriculture (USDA), Kerrville Public Utility Board (KPUB), Upper Guadalupe River Authority (UGRA), Any Baby Can of the Texas Hill Country, VFW Post 1480, and the Former Texas Rangers Foundation.

If you meet any of the above requirements or have questions about becoming a member, please call, email, or visit the Hilco office.

Mailing Address
Physical Location


P.O. Box 291717
Kerrville, Texas 78029-1717

Telephone 830.257.8238

Email hilcocu@ktc.com


120 Texas Drive
Kerrville, Texas 78028

Fax 830.792.6865

Web www.hilcocu.com

Your Security is Our Priority

As a part of Hilco Federal Credit Union's ongoing efforts to protect sensitive member information, we are implementing "Two-Factor Authentication" on April 8, 2008.  Internet banking information at www.hilcocu.com will even be more secure.

Two-Factor Authentication combines your computer information with personal questions that only you will know the answers.

The Process

The first time you log in after April 7, 2008, you will be prompted to authenticate the PC you normally use to access your account information.  In addition you will need to answer 10 of 20 possible questions. 

The next time you log in will not be the same as it is now.

Need to Log In from another PC...

Not a problem...a message will be displayed on the PC you are using:

"This computer has not been authenticated for the Access ID entered."

You will be prompted to answer three random questions (from the 10 questions you previously answered during the authentication process).

Any Questions ?????

As always, should you need assistance or have questions, please call our office at 830/257-8238.


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Hilco FCU's web site is connected to third party websites. The links are for informational purposes only and not an endorsement of those products or services. Third party websites accessed by links are not part of the credit union or its website. Be sure you know your privacy rights when providing information to those sites.