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Health Care Credit Union

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Health Care Credit Union Rates & Review April 2026

Q: How many branches does Health Care Credit Union operate?

Health Care Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Health Care Credit Union?

Yes, to access services at Health Care Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Health Care Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 8, 2026

Health Care Credit Union's 10 Month CD Special rates are at 4.08%. MonitorBankRates evaluates the financial stability of Health Care Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.56%. Rates were last updated on 04/08/2026.

Health Care Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Health Care Credit Union? Share your experience about Health Care Credit Union by leaving a review below, or read customer reviews before you decide to use Health Care Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.56%

Excellent Lower than avg

Health Care Credit Union
Main Location

429 N Sawyer St
Oshkosh, WI 54902 4253

https://healthcarecu.org

Health Care Credit Union CD Rates

Product	Rate	APY	Term	View More
10 Month Share Certificate Special	4.02%	4.08%	10
Min Deposit $5,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Health Care Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Health Care Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Health Care Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Health Care Credit Union

Website https://healthcarecu.org

Address 429 N Sawyer St, Oshkosh, WI 54902 4253

Phone 920-233-1140

Fax 920-426-1151

President Elizabeth Cummings

CEO Danielle Hilbert

Full-Time Employees 6

Part-Time Employees 2

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.56%

Return on Assets (ROA)

1.2577%

Return on Equity (ROE)

8.5937%

Non-Performing Loans Ratio (NPL)

0.63%

Total Assets

36,156,222

Total Amount of Shares and Deposits

30,869,707

Total Shares and Deposits < 1 Year

30,720,433

Total Shares and Deposits 1 3 Years

149,274

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,379,875

Total Uninsured Shares and Deposits > $250K (F+J)

1,379,875

Total Insured Shares and Deposits > $250K (item 17 less item K)

29,489,832

Total Interest Expense (Sum of items 6 8)

357,761

Share Certificates

337

Number of Accounts for Share Drafts

1,676

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,269

All other shares

480

Net Income (unless the amount is already included in Undivided Earnings)

454,749

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,487,474

Total Liabilities

30,905,110

Source: NCUA — Last Updated 09/30/2025

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Total Reviews

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Frequently Asked Questions About Health Care Credit Union

Is Health Care Credit Union a safe place to deposit money?

Yes, Health Care Credit Union is considered a safe financial institution. With a Texas Ratio of 3.5560850258388%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Health Care Credit Union operate?

Health Care Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Health Care Credit Union?

Yes, to access services at Health Care Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Health Care Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Health Care Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Health Care Credit Union offer online and mobile banking?

Most modern institutions like Health Care Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://healthcarecu.org.