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iAdvertiser Disclosure
Advertiser Disclosure
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 Healthcare Associates 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
Healthcare Associates Credit Union's 13 Month CD rates are at 4.50%, 2 Year CD rates are at 4.00%, 5 Year CD rates are at 3.00%, 4 Year CD rates are at 2.90%, 3 Year CD rates are at 2.80%. Healthcare Associates Credit Union's savings rates are at 0.05%. Healthcare Associates Credit Union's money market rates are at 0.90%. Healthcare Associates Credit Union's checking rates are as high as 3.00%. Healthcare Associates Credit Union's Personal Loan Rates are as low as 9.90%. Healthcare Associates Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Healthcare Associates Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.30%. Rates last updated and verified on 10/29/2026. Healthcare Associates 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 Healthcare Associates Credit Union? Share your experience about Healthcare Associates Credit Union by leaving a review below, or read customer reviews before you decide to use Healthcare Associates Credit Union. Healthcare Associates Credit Union
Lisle Office 2441 Warrenville Rd Ste 400
https://www.hacu.org Lisle, IL 60532-0927  Customer Reviews
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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. Healthcare Associates Credit Union CD Rates
Healthcare Associates Credit Union Savings Rates
Healthcare Associates Credit Union Money Market Rates
Healthcare Associates Credit Union Checking Rates
Healthcare Associates Credit Union Home Equity & HELOC
Healthcare Associates Credit Union Auto Loan Rates
Healthcare Associates Credit Union RV, Boat and Powersport Loan Rates
Healthcare Associates Credit Union Personal Loan Rates
Healthcare Associates Credit Union Other Rates
Financial Health HistoryHealthcare Associates Credit Union’s Texas Ratio rose from 1.80% in Q3 2023 to 5.30% 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. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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 Healthcare Associates 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 Healthcare Associates 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 Healthcare Associates Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Healthcare Associates Credit Union
Website
https://www.hacu.org
Address
2441 Warrenville Rd Ste 400,
Lisle, IL 60532-0927
Phone
630-276-5555
Fax
President
Jack Gilbert
CEO
Joseph Kregul
Full-Time Employees
62
Part-Time Employees
0
Branch Locations
4
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.30%
Return on Assets (ROA)
0.2249%
Return on Equity (ROE)
1.5481%
Non-Performing Loans Ratio (NPL)
1.16%
Total Assets
481,628,963
Total Amount of Shares and Deposits
403,553,929
Total Shares and Deposits < 1 Year
356,786,047
Total Shares and Deposits 1 3 Years
45,099,004
Total Shares and Deposits > 3 Years
1,668,878
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
19,660,369
Total Uninsured Shares and Deposits > $250K (F+J)
19,660,369
Total Insured Shares and Deposits > $250K (item 17 less item K)
383,893,560
Total Interest Expense (Sum of items 6 8)
4,350,301
Share Certificates
5,639
Number of Accounts for Share Drafts
17,910
IRA KEOGH Accounts
752
Number of Accounts for Regular Shares
37,151
All other shares
2,817
Money Market Shares
5,093
Net Income (unless the amount is already included in Undivided Earnings)
1,083,384
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)
26,376,664
Total Liabilities
422,265,505
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Healthcare Associates Credit UnionDoes Healthcare Associates Credit Union offer CDs?Yes. Healthcare Associates Credit Union current CD rates include its 13 Month CD at 4.50% APY, its 2 Year CD at 4.00% APY and its 5 Year CD at 3.00% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Healthcare Associates Credit Union NCUA insured?Yes. Healthcare Associates 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 Healthcare Associates Credit Union?The highest Healthcare Associates Credit Union CD rate is its 13 Month CD at 4.50% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Healthcare Associates Credit Union offer?Healthcare Associates Credit Union CD rates are 2.20% APY for a 12 month CD, 4.50% APY for a 13 month CD, 4.00% APY for a 2 year CD, 2.80% APY for a 3 year CD, 2.90% APY for a 4 year CD and 3.00% 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 Healthcare Associates Credit Union for its full lineup. What is the highest savings rate at Healthcare Associates Credit Union?The highest Healthcare Associates Credit Union savings rate is its Savings Accounts at 0.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Healthcare Associates Credit Union?The highest Healthcare Associates Credit Union money market rate is its Premier Money Market at 0.90% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Healthcare Associates Credit Union?The highest Healthcare Associates Credit Union checking rate is its Totally Free Checking Account at 3.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Healthcare Associates Credit Union?The lowest Healthcare Associates Credit Union auto loan rate is its Auto Loan - Model Year 2023-2021 at 4.25% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Healthcare Associates Credit Union?The lowest Healthcare Associates Credit Union personal loan rate is its Signature Loan at 9.90% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Healthcare Associates Credit Union operate?Healthcare Associates 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 Healthcare Associates Credit Union?Yes, to access services at Healthcare Associates 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, Healthcare Associates 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, Healthcare Associates Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Healthcare Associates Credit Union offer online and mobile banking?Most modern institutions like Healthcare Associates 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.hacu.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 Healthcare Associates Credit Union rates compare?Healthcare Associates Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A+ health rating. Healthcare Associates Credit Union's top rates are its 13 Month CD at 4.50% APY, its Savings Accounts at 0.05% APY, its Premier Money Market at 0.90% APY, its Totally Free Checking Account at 3.00% APY and its Signature Loan at 9.90% APR, verified by MonitorBankRates on October 29, 2026. Current Healthcare Associates Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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