Savings are deposited into a main share account, which opens your membership.

Deposits can be made:

  • Payroll deduction, Direct Deposit, ACH
  • ATM
  • Mail
  • Over-the-counter at the credit union office
  • Checks only can be deposited in our drop box, located in Main Street, handicapped parking lot.

Withdrawals can be made:

  • Over-the-counter at the credit union office
  • Free withdrawals at any SUM/MoneyPass network participating ATM
  • HTM Credit Union Internet Banking


  • Earn competitive dividends.
  • Dividends are compounded quarterly
  • Quarterly Statements

*Your savings are federally insured to $250,000.00 by National Credit Union Administration (NCUA) a United States Government Agency.
**Your credit union has made sure that no portion of your share accounts will be uninsured, up to certain legal limits. Massachusetts Credit Union Share Insurance Corporation (MSIC) insures your savings that exceed the federal deposit insurance limit generally $250,000.00 per insured account holder.