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iAdvertiser Disclosure
Advertiser Disclosure
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 Healthcare First 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 23, 2026
Healthcare First Credit Union's Personal Loan Rates are at 9.00%. MonitorBankRates evaluates the financial stability of Healthcare First Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.12%. Rates were last updated on 04/23/2026. Healthcare First 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 First Credit Union? Share your experience about Healthcare First Credit Union by leaving a review below, or read customer reviews before you decide to use Healthcare First Credit Union. Healthcare First Credit Union
Franklin St Office 1152 Franklin St
https://www.healthcarefirstcu.com Johnstown, PA 15905 4310 
Healthcare First Credit Union Home Equity & HELOC
Healthcare First Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Healthcare First 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 First 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 First Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Healthcare First Credit Union
Address
1152 Franklin St,
Johnstown, PA 15905 4310
Phone
814-535-2606
Fax
814-535-5146
President
Martin Burket
CEO
Meghan Sinclair
Full-Time Employees
21
Part-Time Employees
4
Branch Locations
8
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.12%
Return on Assets (ROA)
0.5843%
Return on Equity (ROE)
4.4399%
Non-Performing Loans Ratio (NPL)
1.33%
Total Assets
97,970,596
Total Amount of Shares and Deposits
84,553,776
Total Shares and Deposits < 1 Year
81,474,321
Total Shares and Deposits 1 3 Years
1,798,760
Total Shares and Deposits > 3 Years
1,280,695
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,599,222
Total Uninsured Shares and Deposits > $250K (F+J)
1,599,222
Total Insured Shares and Deposits > $250K (item 17 less item K)
82,954,554
Total Interest Expense (Sum of items 6 8)
445,389
Share Certificates
693
Number of Accounts for Share Drafts
4,044
IRA KEOGH Accounts
303
Number of Accounts for Regular Shares
9,884
Money Market Shares
75
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,800,203
Total Liabilities
85,108,041
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Healthcare First Credit UnionIs Healthcare First Credit Union a safe place to deposit money?Yes, Healthcare First Credit Union is considered a safe financial institution. With a Texas Ratio of 3.1247835602172%, 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 Healthcare First Credit Union operate?Healthcare First 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 First Credit Union?Yes, to access services at Healthcare First 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 First 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 First Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Healthcare First Credit Union offer online and mobile banking?Most modern institutions like Healthcare First 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.healthcarefirstcu.com. Compare to Other Credit Unions
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