HTM Credit Union began in 1937 as the Haverhill Teachers Credit Union, a state-chartered, member-owned cooperative based in Haverhill, Massachusetts. Originally built to serve local educators, it has grown into a small community institution with roughly $16 million in assets and around 2,300 members, offering everyday personal banking and loan services to the area.

HTM Credit Union has quietly served Haverhill families since 1937, keeping banking personal in a way big institutions rarely match. As a not-for-profit cooperative, member savings and loan decisions stay rooted in the community rather than Wall Street. Whether you're opening a share account, financing a car, or just need a friendly branch that knows your name, HTM keeps things simple. Pair your everyday banking here with Fluz, and every time you load funds or spend with your HTM debit card, you can start stacking cashback rewards on top of the dependable, hometown service you already trust.