Business Banking

Merchant Credit Card Acceptance Program

HUD Federal Credit Union has formed an alliance with Encore Merchant Services to offer you a full service credit card acceptance program to meet your business needs. A few of the many benefits you will enjoy by processing with EMS are listed below:

  • Competitive processing rates
  • No long-term contract or hidden fees
  • Exceptional Help Desk service available 24X7 for your convenience
  • MasterCard, Visa, American Express  Discover and Diners Club card acceptance
  • PIN-based debit and electronic check acceptance
  • New or refurbished point-of-sale equipment
  • Internet and software solutions available
  • Affordable gift card programs

Whether you are a new or established business, an Encore Merchant Services representative will assist you with evaluating your credit card processing needs.  Competitive rates and equipment options will be provided to you within 24 hours and your account can typically be set up within
5 - 7 business days.  Credit card acceptance is proven to increase your business’ sales volume.  Expand your payment options today by accepting credit cards, and watch your business grow.

To find out more about this comprehensive service, contact a credit union representative or call Encore Merchant Services at 1-866-216-1437. You may also visit the EMS website at to request an on-line price quote for processing services.

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HUD Federal Credit Union
has partnered with
CU Collections.
CU Collections is a
CUSO(Credit Union Service Organization) that provides support to members on behalf of the credit union.

CUC will place courtesy calls to members as a friendly reminder that a loan payment is due at
day 11 and greater. Please be assured that your loan is still serviced and owned by the
credit union and has not been sold or transferred. Members are encouraged to contact CUC should they not be able to make payments as agreed or are experiencing a hardship.
CUC is available

Mon-Sat 8am-8pm EST
(800) 470-2317.