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Health Care Family Credit Union Rates & Review April 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%, 24 Month CD of Deposit rates are at 3.55%, 60 Month Build a CD of Deposit rates are at 3.55%. Health Care Family Credit Union's savings rates are at 0.10%. Health Care Family Credit Union's money market rates are at 0.27%. 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 10.75%. Rates were last updated on 04/08/2026.

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.

Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
10.75%
Excellent Higher than avg
Health Care Family Credit Union
Health Care Family Credit Union
2114 S Big Bend Blvd
Saint Louis, MO 63117 2406
https://www.healthcarefamilycreditunion.org/
Member NCUA

Health Care Family Credit Union CD Rates

Product Rate APY Term View More
12 Month Build A Certificate of Deposit - 3.81% 12
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
12 Month Certificate of Deposit - 3.81% 12
Min Deposit $1,000
Details Certificates of Deposit require a minimum deposit of $1,000.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
60 Month Certificate of Deposit - 3.66% 60
Min Deposit $50,000
Details $50,000 +; Certificates of Deposit require a minimum deposit of $50,000. Interest compounded semi-annually.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
24 Month Certificate of Deposit - 3.55% 24
Min Deposit $50,000
Details $50,000 +; Certificates of Deposit require a minimum deposit of $50,000. Interest compounded semi-annually.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
60 Month Build a Certificate of Deposit - 3.55% 60
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
60 Month Certificate of Deposit - 3.55% 60
Min Deposit $1,000
Details Certificates of Deposit require a minimum deposit of $1,000.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
36 Month Build A Certificate of Deposit - 3.50% 36
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
24 Month Build a Certificate of Deposit - 3.45% 24
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
24 Month Certificate of Deposit - 3.45% 24
Min Deposit $1,000
Details Certificates of Deposit require a minimum deposit of $1,000.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
6 Month Certificate of Deposit - 3.45% 6
Min Deposit $1,000
Details Certificates of Deposit require a minimum deposit of $1,000.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
60 Month Bump Up Certificate of Deposit - 3.45% 60
Min Deposit $1,000
Details Certificates of Deposit require a minimum deposit of $1,000.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
36 Month Bump Up Certificate of Deposit - 3.40% 36
Min Deposit $1,000
Details Certificates of Deposit require a minimum deposit of $1,000.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
24 Month Bump Up Certificate of Deposit - 3.35% 24
Min Deposit $1,000
Details Certificates of Deposit require a minimum deposit of $1,000.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%

Health Care Family Credit Union Savings Rates

Product Rate APY View More
IRA Share (Savings) - 0.30%
Min Balance $250
Details Requires a $250 minimum average daily balance to earn dividends.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
Christmas Club/ Wish Club - 0.10%
Min Balance $250
Details Requires a $250 minimum average daily balance to earn dividends.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
Primary Share (Savings) - 0.10%
Min Balance $250
Details Requires a $250 minimum average daily balance to earn dividends.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%

Health Care Family Credit Union Money Market Rates

Product Rate APY View More
Money Market Accounts - 2.07%
Min Balance $100,000
Details Qualifying balance up to $249,999.00
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
Money Market Accounts - 1.81%
Min Balance $50,000
Details Qualifying balance up to $99,999.00
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
Money Market Accounts - 1.61%
Min Balance $25,000
Details Qualifying balance up to $49,999.00
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
Money Market Accounts - 1.51%
Min Balance $10,000
Details Qualifying balance up to $24,999.00
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
Money Market Accounts - 1.31%
Min Balance $5,000
Details Qualifying balance up to $9,999.00
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
Money Market Accounts - 1.21%
Min Balance $2,000
Details Qualifying balance up to $4,999.00
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
Money Market Accounts - 0.27%
Min Balance $250,000
Details For Balances of $250,000 and more
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%

Health Care Family Credit Union Checking Rates

Product Rate APY View More
Gold Checking - 0.10%
Min Balance $750
Details Requires a $750 minimum average daily balance to earn dividends.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%

Health Care Family Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Fixed-Rate Home Equity Loans - - 7.25% 120 Months
Details As Low As; 180-month term available for an additional 0.25%. Rates based on credit score and LTV.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%

Health Care Family Credit Union Credit Card Rates

Product Rate APR View More
MasterCard Classic - 10.90%
Details As Low As; Regular APR: 10.9% APR*
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
Visa Gold - 10.90%
Details As Low As; Regular APR: 10.9% APR*
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
Visa Platinum - 10.90%
Details As Low As; Regular APR: 10.9% APR*
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
VISA® Platinum Credit Card - 10.90%
Details Fixed Rate 10.90% APR* No Annual Fee No interest if paid in full by due date 25-day grace for late fee Payments = 2.5% of balance
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
VISA® Gold Credit Card - 12.90%
Details Fixed Rate 12.9% APR* No Annual Fee No interest if paid in full by due date 25-day grace for late fee Payments = 2.5% of balance
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
MasterCard® Classic - 14.90%
Details Fixed Rates range from 12.9% APR* to 16.9%APR*. Rates determined by credit history. No Annual Fee No interest if paid in full by due date. 25-day grace for late fee Payments = 2.5% of balance
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%
Share-Secured MasterCard® - 17.90%
Details Fixed Rate 12.90% APR* Money on deposit is used as collateral. No Annual Fee No interest if paid in full by due date. 25-day grace for late fees $300 minimum Payments = 2.5% of balance
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 10.75%

Methodology & Data Sources

MonitorBankRates 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 Karen Kenney
CEO Terry Summers
Full-Time Employees 14
Part-Time Employees 1
Branch Locations 2
ATM Locations 2
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.75%
Return on Assets (ROA)
0.6346%
Return on Equity (ROE)
4.1534%
Non-Performing Loans Ratio (NPL)
2.29%
Total Assets
75,225,172
Total Amount of Shares and Deposits
62,785,332
Total Shares and Deposits < 1 Year
58,285,320
Total Shares and Deposits 1 3 Years
3,401,742
Total Shares and Deposits > 3 Years
1,098,270
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,956,547
Total Uninsured Shares and Deposits > $250K (F+J)
1,956,547
Total Insured Shares and Deposits > $250K (item 17 less item K)
60,828,785
Total Interest Expense (Sum of items 6 8)
702,276
Share Certificates
548
Number of Accounts for Share Drafts
2,745
IRA KEOGH Accounts
156
Number of Accounts for Regular Shares
5,934
Money Market Shares
364
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,195,825
Total Liabilities
64,189,061
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
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Frequently Asked Questions About Health Care Family Credit Union

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

Yes, Health Care Family Credit Union is considered a safe financial institution. With a Texas Ratio of 10.753637067403%, 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 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/.

Current Health Care Family Credit Union Rates

  • 12-Month CD3.81%
  • 24-Month CD3.35%
  • 60-Month CD3.45%
  • Savings0.10%
  • MMA0.27%
Retrieved from our database of financial products. Rates subject to change.