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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 Credit Union Rates & Review April 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: April 19, 2026
Health Credit Union's 6 month CD of Deposit rates are at 3.75%, 13 month CD of Deposit rates are at 3.50%, 30 month CD of Deposit rates are at 2.15%, 24 month CD of Deposit rates are at 2.00%, 18 month CD of Deposit rates are at 1.65%. Health Credit Union's Personal Loan Rates are at 5.25%. MonitorBankRates evaluates the financial stability of Health Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.92%. Rates were last updated on 04/19/2026. Health 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 Credit Union? Share your experience about Health Credit Union by leaving a review below, or read customer reviews before you decide to use Health Credit Union. 
Health Credit Union CD Rates
Health Credit Union Savings Rates
Health Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Health 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 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 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Health Credit Union
Website
https://www.healthcu.com
Address
1400 6TH Ave S,
Birmingham, AL 35233
Phone
205-930-1213
Fax
205-930-1580
President
Stephanie Millsap
CEO
Judd Davis
Full-Time Employees
5
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.92%
Return on Assets (ROA)
-0.0238%
Return on Equity (ROE)
-0.1094%
Non-Performing Loans Ratio (NPL)
2.73%
Total Assets
28,299,021
Total Amount of Shares and Deposits
21,658,502
Total Shares and Deposits < 1 Year
21,354,544
Total Shares and Deposits 1 3 Years
303,958
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
525,734
Total Uninsured Shares and Deposits > $250K (F+J)
525,734
Total Insured Shares and Deposits > $250K (item 17 less item K)
21,132,768
Total Interest Expense (Sum of items 6 8)
240,742
Share Certificates
197
Number of Accounts for Share Drafts
1,057
IRA KEOGH Accounts
29
Number of Accounts for Regular Shares
2,113
All other shares
381
Money Market Shares
16
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,291,414
Total Liabilities
22,138,909
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Health Credit UnionIs Health Credit Union a safe place to deposit money?Yes, Health Credit Union is considered a safe financial institution. With a Texas Ratio of 7.9186709592293%, 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 Credit Union operate?Health 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 Credit Union?Yes, to access services at Health 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Health Credit Union offer online and mobile banking?Most modern institutions like Health 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.healthcu.com. Current Health Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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