|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Health Care Family Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Health Care Family Credit Union's 12 Month Build A CD of Deposit rates are at 3.81%, 12 Month CD of Deposit rates are at 3.81%, 60 Month CD of Deposit rates are at 3.66%, 36 Month CD of Deposit rates are at 3.60%, 24 Month CD of Deposit rates are at 3.55%. Health Care Family Credit Union's savings rates are at 0.30%. Health Care Family Credit Union's money market rates are at 2.07%. Health Care Family Credit Union's checking rates are as high as 0.10%. Health Care Family Credit Union's Personal Loan Rates are as low as 10.49%. Health Care Family Credit Union's Credit Card Rates are at 10.90%. Health Care Family Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Health Care Family Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.68%. Rates last updated and verified on 10/29/2026. Health Care Family 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 Family Credit Union? Share your experience about Health Care Family Credit Union by leaving a review below, or read customer reviews before you decide to use Health Care Family Credit Union. Health Care Family Credit Union
Health Care Family Credit Union 2114 S Big Bend Blvd
https://www.healthcarefamilycreditunion.org/ Saint Louis, MO 63117-2406  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Health Care Family Credit Union CD Rates
Health Care Family Credit Union Savings Rates
Health Care Family Credit Union Money Market Rates
Health Care Family Credit Union Checking Rates
Health Care Family Credit Union Home Equity & HELOC
Health Care Family Credit Union Auto Loan Rates
Health Care Family Credit Union RV, Boat and Powersport Loan Rates
Health Care Family Credit Union Credit Card Rates
Health Care Family Credit Union Personal Loan Rates
Health Care Family Credit Union Other Rates
Financial Health HistoryHealth Care Family Credit Union’s Texas Ratio rose from 1.34% in Q3 2023 to 10.68% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Health Care Family 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 Family 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 Family Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Health Care Family Credit Union
Address
2114 S Big Bend Blvd,
Saint Louis, MO 63117-2406
Phone
314-645-5851
Fax
314-645-1548
President
Debra Wierciak
CEO
Terry Summers
Full-Time Employees
15
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.68%
Return on Assets (ROA)
0.2717%
Return on Equity (ROE)
1.7193%
Non-Performing Loans Ratio (NPL)
2.42%
Total Assets
75,238,766
Total Amount of Shares and Deposits
62,928,803
Total Shares and Deposits < 1 Year
58,122,066
Total Shares and Deposits 1 3 Years
3,987,793
Total Shares and Deposits > 3 Years
818,943
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,591,731
Total Uninsured Shares and Deposits > $250K (F+J)
2,591,731
Total Insured Shares and Deposits > $250K (item 17 less item K)
60,337,072
Total Interest Expense (Sum of items 6 8)
444,590
Share Certificates
576
Number of Accounts for Share Drafts
2,721
IRA KEOGH Accounts
146
Number of Accounts for Regular Shares
5,816
Money Market Shares
363
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,620,271
Total Liabilities
63,762,207
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Health Care Family Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Health Care Family Credit Union
Frequently Asked Questions About Health Care Family Credit UnionDoes Health Care Family Credit Union offer CDs?Yes. Health Care Family Credit Union current CD rates include its 12 Month Build A CD of Deposit at 3.81% APY, its 12 Month CD of Deposit at 3.81% APY and its 60 Month CD of Deposit at 3.66% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Health Care Family Credit Union NCUA insured?Yes. Health Care Family Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Health Care Family Credit Union?The highest Health Care Family Credit Union CD rate is its 12 Month Build A CD of Deposit at 3.81% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Health Care Family Credit Union offer?Health Care Family Credit Union CD rates are 3.81% APY for a 12 month CD, 3.55% APY for a 2 year CD, 3.60% APY for a 3 year CD and 3.66% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Health Care Family Credit Union for its full lineup. What is the highest savings rate at Health Care Family Credit Union?The highest Health Care Family Credit Union savings rate is its IRA Share (Savings) at 0.30% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Health Care Family Credit Union?The highest Health Care Family Credit Union money market rate is its Money Market Accounts at 2.07% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Health Care Family Credit Union?The highest Health Care Family Credit Union checking rate is its Gold Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Health Care Family Credit Union?The lowest Health Care Family Credit Union auto loan rate is its New Auto Loan at 4.49% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Health Care Family Credit Union?The lowest Health Care Family Credit Union personal loan rate is its Signature Loan at 10.49% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Health Care Family Credit Union?The lowest Health Care Family Credit Union credit card APR is its MasterCard Classic Credit Card at 10.90% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Health Care Family Credit Union operate?Health Care Family 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 Family Credit Union?Yes, to access services at Health Care Family 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 Family 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 Family Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Health Care Family Credit Union offer online and mobile banking?Most modern institutions like Health Care Family 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://www.healthcarefamilycreditunion.org/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Health Care Family Credit Union rates compare?Health Care Family Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A health rating. Health Care Family Credit Union's top rates are its 12 Month Build A CD of Deposit at 3.81% APY, its IRA Share (Savings) at 0.30% APY, its Money Market Accounts at 2.07% APY, its Gold Checking at 0.10% APY, its Signature Loan at 10.49% APR and its MasterCard Classic Credit Card at 10.90% APR, verified by MonitorBankRates on October 29, 2026. Current Health Care Family Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Afgm Enterprises Federal Credit Union
American Spirit Federal Credit Union
Urban Empowerment Federal Credit Union
Green Mountain Credit Union
Bar-Cons Federal Credit Union
L and N Federal Credit Union
Embold Federal Credit Union
Indiana Heartland Federal Credit Union
Americas First Network Credit Union
Genesee Co Op Federal Credit Union
Spark Federal Credit Union
TLC Community Credit Union
Valley Financial Credit Union
BMH Federal Credit Union
Connects Federal Credit Union
WestEdge Federal Credit Union
Christo Rey Federal Credit Union
Otoe-Missouria Federal Credit Union
Vibrant Credit Union
Matagorda County Credit Union
Credit Union of The Rockies
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
