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Lifetime FCU is member-owned and member-operated. Our Board of Directors is comprised of volunteers who are elected by our members. The Board is responsible for maintaining the safety and soundness of the credit union by establishing policies and operating guidelines, declaring dividend rates and monitoring Management for adherence to Board directives and HCSC core values and policies. The Board appoints members to serve on both the Supervisory Committee, which is responsible for auditing and internal control functions, and the Loan Committee, which reviews loans that are generally outside of the loan officers’ authority.

Fulltime HCSC credit union professionals are tasked with the responsibility of managing the day to day credit union operations in accordance with HCSC core values and credit union rules and regulations.


Located on-site at the Blue Cross and Blue Shield of Texas headquarters in Richardson, the Credit Union originally served only the local employees and their immediate families. Today the field of membership includes active and retired employees of Blue Cross and Blue Shield of Texas and Blue Cross and Blue Shield of Oklahoma, active and retired Texas and Oklahoma-based employees of Health Care Service Corporation and its current and former wholly-owned subsidiaries, and their family members. Currently these subsidiaries include Availity, LLC, Dearborn National and TMG Health, Inc.


"To provide competitive, state-of-the-art, quality services that are member focused to achieve mutual financial success."

Lifetime FCU Vision

"Your primary financial institution, serving members for all stages of your life – better because you own it."