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Frequently Asked Questions


Q. Can you open a joint account at Huggins Credit Union?

A. No, Huggins Credit Union does not facilitate joint accounts.


Q. Who is entitled to join?

A. Membership in Huggins Credit Union is open to:

  • All persons who are actual employees of the Unicomer, Massy group of companies and Harrimans.

  • Employees of Associated Companies and Companies which were formerly subsidiaries of the above-listed companies and any other company approved by the Board of Directors.

  • Members of the immediate family of an employee of any of the group of companies mentioned above, provided always that such persons shall only remain members as long as the employee retains his or her membership of this Credit Union or with the permission of the Board of Directors in its absolute discretion.


Q. What products & services do Huggins Credit Union offer to members?

A. Huggins Credit Union offers a wide array of financial and non-financial products and services to members. Click on products and services for more.


Q. What is the Family Indemnity Plan?

A. The Family Indemnity Plan (FIP) is a Final Expenses plan associated with funeral expenses that cover you, the member and five (5) members of your family.


Q. Who are the eligible family members covered by FIP?

A. The following are the eligible family members covered by FIP:

  • The member (up to age 76 years).

  • Member's spouse or significant other (up to 76 years). A significant other is a person of the opposite sex who lives with the member and is considered to be the Insured's common-law spouse.

  • Unmarried dependants between the ages 1- 25 years (biological or non-biological).

  • Members' parents or spouses' parents (up to 76 years).

All adults (not dependants) need to join the plan before reaching age 76.


Q. How much does the FIP cost?

A. The options are shown in the table, displayed below on the products and services page.


Q. Is the premium payment for FIP per person?

A. No. One premium payment covers a minimum of 1 to a maximum of 6 persons.


Q. Does one's benefit amount in the FIP plan covers the entire family?

A. No. Each family member would have a benefit based on the plan selected.


Q. Can I increase my FIP benefit?

A. Yes, you can increase your benefit. However, there is a six (6) month waiting period for a higher limit. If death occurs within the six (6) month period the lower benefit will be paid except in the case of an accident.


Q. Can I decrease my FIP plan?

A. No. You must cancel your current plan and re-enroll with the six(6) month period applicable.


Q. Is my account insured?

A. Yes. Member's shares are insured up to $25,000 TT. This coverage is provided to all by CUNA Caribbean Insurance Society Limited.


Q. How do I credit money to my account?

A. Members can use any of the following options to put money in their account:

  • Salary Deduction - from the workplace

  • Standing Order - from the bank

  • Post-dated Cheques

  • ACH

  • Deposits over the counter


Q. When I retire/resign can I still remain a member of Huggins Credit Union?

A. Yes. Members who have retired/resigned from the workplace can still enjoy the benefits of being a Huggins Credit Union member.

If you require additional information, please feel free to call, email or contact us. We are here to assist you. 


If you want to grow your business and take it to the next level, Huggins Credit Union will make your dreams come through.

Call or visit us to find out

'how to get a small business loan'. 

Apply for your loan today.

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