Hema
Verified Information
NCUA Insured
Member-Owned
1 charter
Established in 1969
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.
Check eligibility on their website →Verified Information
NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1969
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Silver Spring and serves members in the MD area. Currently serving 1,787 members.
Membership Info:
Contact the credit union to confirm membership eligibility requirements for your area.
Note on Membership
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Financial Health
Q1 2026 · NCUAKey indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Why this matters
These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.
Source: NCUA Federally Insured Credit Unions list, Q1 2026.
Loan Rates
Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.
New Auto Loan
4.00%Used Auto Loan
6.00%Personal Loan
12.00%Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Best Rates in MD
Lowest rates currently reported by credit unions in MD (NCUA Q1 2026).
Kensington, MD
Kensington, MD
Rockville, MD
Baltimore, MD
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(3 total)
Compare Rates in Silver Spring
See how HEMA stacks up against other credit unions nearby — sorted by lowest APR.
Member Reviews
5.0
4 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Vanessa Logan
a year ago
Always prompt professional and pleasant to take care of business. I've been with HEMA for over 35 years. TOM and staff is A++
Jonathan Alfaro
a year ago
Great customer service . Great bank to use for saving money
jacqueline traynham
4 years ago
Good place
doris reyes
10 years ago
Contact Tips
Best Time to Call
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
What to Ask
- • Current loan rates & terms
- • Membership eligibility requirements
- • Minimum deposit to open an account
- • Online & mobile banking features
NCUA Insured
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Key Information
Phone
(301) 588-1861Website
Visit WebsiteMembers
1,787
Total Assets
$16.8M
Year Opened
1969
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile