What are the current interest rates at Hoosier Hills Credit Union?

Current rates for Hoosier Hills Credit Union include: 12-Month CD: 2.12%, 18-Month CD: 3.04%, 24-Month CD: 3.30%, 60-Month CD: 3.30%, Savings: 0.60%, MMA: 4.05%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Hoosier Hills Credit Union

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Hoosier Hills Credit Union Rates & Review October 2026

Q: Is a member application needed to join Hoosier Hills Credit Union?

Yes, to access services at Hoosier Hills 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hoosier Hills Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Hoosier Hills Credit Union's top rates as of October 9, 2026 are 4.01% APY on its 10 or 15 month special CD, 0.60% APY on savings, 4.05% APY on money market accounts, 0.05% APY on checking, personal loans from 9.90% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Hoosier Hills Credit Union CD rates include 10-month CD Special at 4.01%, 15-month CD Special at 4.01%, and 24 Month CD at 3.56%. MonitorBankRates evaluates the financial stability of Hoosier Hills Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.37%. Rates last updated and verified on 10/09/2026.

Hoosier Hills 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 Hoosier Hills Credit Union? Share your experience about Hoosier Hills Credit Union by leaving a review below, or read customer reviews before you decide to use Hoosier Hills Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.37%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Hoosier Hills Credit Union
Bedford

630 Lincoln Ave
Bedford, IN 47421-2116

https://www.hoosierhills.com

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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.

Hoosier Hills Credit Union CD Rates

Product	Rate	APY	Term
10 or 15 month special	3.94%	4.01%	10 months
Min Deposit $5,000 Details Term: 10 or 15 month special; Pick Your Term Certificate Special: Choose a 10-month or 15-month term. Dividend rate of 3.94% and APY of 4.01% apply to both terms. APY=Annual Percentage Yield. Minimum balance of $5,000. Available for Consumer, Commercial and IRA certificates. Both the 10-month and 15-month certificates will renew at maturity for a 12-month term. Early withdrawal penalties may apply. Not available for Public Funds. Federally insured by NCUA up to $250,000. Hoosier Hills Credit Union provides an additional $250,000 in coverage through ESI (Excess Share Insurance). Subject to cancellation at any time. Rates are effective as of 09/23/2026. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.01% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
10-month Certificate Special	3.94%	4.01%	10 month
Min Balance $5,000 Details Pick Your Term Certificate Special: Choose a 10-month or 15-month term. Dividend rate of 3.94% and APY of 4.01% apply to both terms. APY=Annual Percentage Yield. Available for Consumer, Commercial and IRA certificates. Both the 10-month and 15-month certificates will renew at maturity for a 12-month term. Early withdrawal penalties may apply. Not available for Public Funds. Rates are effective as of 09/23/2026. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.01% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
15-month Certificate Special	3.94%	4.01%	15 month
Min Balance $5,000 Details Pick Your Term Certificate Special: Choose a 10-month or 15-month term. Dividend rate of 3.94% and APY of 4.01% apply to both terms. APY=Annual Percentage Yield. Available for Consumer, Commercial and IRA certificates. Both the 10-month and 15-month certificates will renew at maturity for a 12-month term. Early withdrawal penalties may apply. Not available for Public Funds. Rates are effective as of 09/23/2026. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.01% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
24 Month Certificate	3.50%	3.56%	24 month
Min Deposit $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
30 Month Certificate	3.50%	3.56%	30 month
Min Deposit $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
48 Month Certificate	3.50%	3.56%	48 month
Min Deposit $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
60 Month Certificate	3.50%	3.56%	60 month
Min Deposit $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
12 Month Certificate	3.25%	3.30%	12 month
Min Deposit $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
18 Month Certificate	3.25%	3.30%	18 month
Min Deposit $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
24 Month Certificate	3.25%	3.30%	24 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
30 Month Certificate	3.25%	3.30%	30 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
36 Month Certificate	3.25%	3.30%	36 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
48 Month Certificate	3.25%	3.30%	48 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
6 Month Certificate	3.25%	3.30%	6 month
Min Deposit $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
60 Month Certificate	3.25%	3.30%	60 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
12 Month Certificate	3.00%	3.04%	12 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
12 month Save to Win Certificate	3.00%	3.04%	12 month
Min Deposit $25 Details Monthly and quarterly drawings held for cash prizes. Full terms and conditions available at hoosierhills.com/save-to-win/. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.12% → 3.04% ▲ 0.92 pts · high 3.04% / low 2.12% Sep 29, 20263.04%▲ from 2.12% Sep 14, 20262.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
18 Month Certificate	3.00%	3.04%	18 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
6 Month Certificate	3.00%	3.04%	6 month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
12 month Save to Win Certificate	2.10%	2.12%	12 month
Min Deposit $25 Details Monthly and quarterly drawings held for cash prizes. Full terms and conditions available at hoosierhills.com/save-to-win/. Penalties for early withdrawals may apply and fees may reduce earnings. Rate and terms are subject to change based on market conditions, borrower eligibility, collateral and other criteria. Dividends are calculated monthly and paid monthly. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.12% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
3 Month Certificate	1.20%	1.21%	3 month
Min Deposit $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%

Hoosier Hills Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	0.60%	0.60%
Min Balance $0 Details $5 minimum balance required to open account. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Club Accounts	0.10%	0.10%
Min Deposit $5 Min Balance $0 Details Club Account rates apply to all Club Accounts, including our retired "Christmas Club" and "Vacation Club" accounts, unless otherwise stated. Dividends are calculated quarterly and paid quarterly. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Regular Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Details Dividends are calculated quarterly and paid quarterly. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%

Hoosier Hills Credit Union Money Market Rates

Product	Rate	APY
High Yield Money Market	3.98%	4.05%
Min Balance $3,000,000 Details Balance: $3,000,000 - Above; APY = Annual Percentage Yield. Rates are effective as of 10/9/2026. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply.; Dividends are calculated monthly and paid monthly.; Rates effective as of 10/9/2026 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
High Yield Money Market	3.78%	3.85%
Min Balance $1,000,000 Details Balance: $1,000,000 - $2,999,999; APY = Annual Percentage Yield. Rates are effective as of 10/9/2026. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply.; Dividends are calculated monthly and paid monthly.; Rates effective as of 10/9/2026 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
High Yield Money Market	3.49%	3.55%
Min Balance $500,000 Details Balance: $500,000 - $999,999; APY = Annual Percentage Yield. Rates are effective as of 10/9/2026. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply.; Dividends are calculated monthly and paid monthly.; Rates effective as of 10/9/2026 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
High Yield Money Market	3.11%	3.15%
Min Balance $250,000 Details Balance: $250,000 - $499,999; APY = Annual Percentage Yield. Rates are effective as of 10/9/2026. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply.; Dividends are calculated monthly and paid monthly.; Rates effective as of 10/9/2026 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
IRA Money Market	2.15%	2.17%
Min Balance $250,000 Details Balance: $250,000 - Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.17% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Money Market	2.15%	2.17%
Min Balance $250,000 Details Balance: $250,000 - Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.17% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
IRA Money Market	1.80%	1.81%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.81% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Money Market	1.80%	1.81%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.81% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
IRA Money Market	1.50%	1.51%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Money Market	1.50%	1.51%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
IRA Money Market	1.05%	1.06%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Money Market	1.05%	1.06%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
IRA Money Market	0.85%	0.85%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Money Market	0.85%	0.85%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
IRA Money Market	0.65%	0.65%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Money Market	0.65%	0.65%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
High Yield Money Market	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000 - $249,999; APY = Annual Percentage Yield. Rates are effective as of 10/9/2026. Minimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply.; Dividends are calculated monthly and paid monthly.; Rates effective as of 10/9/2026 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%

Hoosier Hills Credit Union Checking Rates

Product	Rate	APY
FREE Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: Average balance of $1,000 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Smart Spending (Teen Checking)	0.05%	0.05%
Min Balance $1,000 Details Balance: Average balance of $1,000 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%

Hoosier Hills Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto/Truck Loan	-	-	4.65%	60 months
Details Additional APR listed for this product: 5.23%, 6.56%, 7.81%. Rate may vary based on credit score. Rates do not apply to the refinancing of existing HHCU auto/truck loans. A $195 loan origination fee applies to all Auto/Truck loans. The fee is calculated into the APR provided in the payment examples. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.65% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Auto/Truck Loan	-	-	5.16%	72 months
Details Additional APR listed for this product: 6.25%. Rate may vary based on credit score. Rates do not apply to the refinancing of existing HHCU auto/truck loans. A $195 loan origination fee applies to all Auto/Truck loans. The fee is calculated into the APR provided in the payment examples. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.16% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Auto/Truck	-	-	5.23%	60 months
Details 2024 APR Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.65% → 5.23% ▲ 0.58 pts · high 5.23% / low 4.65% Oct 9, 20265.23%▲ from 4.65% Sep 14, 20264.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Auto/Truck	-	-	6.25%	72 months
Details 2024 APR Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.16% → 6.25% ▲ 1.09 pts · high 6.25% / low 5.16% Oct 9, 20266.25%▲ from 5.16% Sep 14, 20265.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Auto/Truck Loan	-	-	6.46%	84 months
Details Rate may vary based on credit score. Rates do not apply to the refinancing of existing HHCU auto/truck loans. A $195 loan origination fee applies to all Auto/Truck loans. The fee is calculated into the APR provided in the payment examples. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.46% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Auto/Truck	-	-	6.56%	60 months
Details 2020-2019 APR Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.65% → 6.56% ▲ 1.91 pts · high 6.56% / low 4.65% Oct 9, 20266.56%▲ from 4.65% Sep 14, 20264.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Auto/Truck	-	-	7.81%	60 months
Details 2016-1999 APR Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.65% → 7.81% ▲ 3.16 pts · high 7.81% / low 4.65% Oct 9, 20267.81%▲ from 4.65% Sep 14, 20264.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%

Hoosier Hills Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Adventure Loan (Boat, Camper, RV, Motorcycles, Powersports, Trailers & Property Equipment)	-	7.48%	60 months
Details Additional APR listed for this product: 8.51%, 9.46%, 9.88%. Loan origination fee: $195. UCC filing fee: $14 (eligible collateral without title). Proof of insurance may be required. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.48% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Adventure Loan (Boat, Camper, RV, Motorcycles, Powersports, Trailers & Property Equipment)	-	7.82%	36 months
Details Additional APR listed for this product: 8.14%, 9.30%, 10.22%. Loan origination fee: $195. UCC filing fee: $14 (eligible collateral without title). Proof of insurance may be required. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.82% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Adventure Loan (Boat, Camper, RV, Motorcycles, Powersports, Trailers & Property Equipment)	-	8.12%	84 months
Details Additional APR listed for this product: 8.67%, 10.81%, 11.32%. Loan origination fee: $195. UCC filing fee: $14 (eligible collateral without title). Proof of insurance may be required. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.12% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%

Hoosier Hills Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	9.90%
Details Purchases APR: 9.90%; Balance Transfers APR: 9.90%; Cash Advance APR: 9.90% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Visa Gold	-	14.90%
Details Purchases APR: 14.90%; Balance Transfers APR: 14.90%; Cash Advance APR: 14.90% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Visa Classic	-	17.90%
Details Purchases APR: 17.90%; Balance Transfers APR: 17.90%; Cash Advance APR: 17.90% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 17.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%

Hoosier Hills Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	9.90%	12 months
Details Rates updated as of 10/9/2026. APR = Annual Percentage Rate. No minimum credit score is required to apply. A credit report will be obtained to determine the rate for which the borrower qualifies. All loans are subject to approval and HHCU lending guidelines. Loan proceeds are deposited into an HHCU savings account and held as collateral until the loan is paid in full. Making payments on time may help build positive credit history; however, HHCU cannot guarantee an increase in a borrower's credit score. Payment Example: $1,000 for a 12 month term at 9.90% APR results in a monthly payment of $87.87. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Signature Loan	10.15%	12 months
Details Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.90% → 10.15% ▲ 0.25 pts · high 10.15% / low 9.90% Sep 18, 202610.15%▲ from 9.90% Sep 14, 20269.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Signature Loan	10.15%	24 months
Details Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.15% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Signature Loan	10.75%	36 months
Details Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Signature Loan	11.00%	48 months
Details Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Signature Loan	11.15%	60 months
Details Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.15% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%

Hoosier Hills Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Adventure Loan	-	-	8.14%	36 months
Details Model Year: 2024-2021 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.14% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Adventure Loan	-	-	9.30%	36 months
Details Model Year: 2020-2017 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.30% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Adventure Loan	-	-	10.22%	36 months
Details Model Year: 2016-1999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.22% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Adventure Loan	-	-	8.51%	60 months
Details Model Year: 2024-2021 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.51% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Adventure Loan	-	-	9.46%	60 months
Details Model Year: 2020-2017 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.46% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Adventure Loan	-	-	9.88%	60 months
Details Model Year: 2016-1999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.88% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Adventure Loan	-	-	8.67%	84 months
Details Model Year: 2024-2021 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.67% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Adventure Loan	-	-	10.81%	84 months
Details Model Year: 2020-2017 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.81% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Adventure Loan	-	-	11.32%	84 months
Details Model Year: 2016-1999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.32% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Credit Builder Loan	-	-	9.90%	12 months
Details Rates updated as of 10/9/2026. APR = Annual Percentage Rate. No minimum credit score is required to apply. A credit report will be obtained to determine the rate for which the borrower qualifies. All loans are subject to approval and HHCU lending guidelines. Loan proceeds are deposited into an HHCU savings account and held as collateral until the loan is paid in full. Making payments on time may help build positive credit history; however, HHCU cannot guarantee an increase in a borrower's credit score. Payment Example: $1,000 for a 12 month term at 9.90% APR results in a monthly payment of $87.87. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.90% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Solar Loan	-	-	7.18%	36 months
Details A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples. Rate may vary based on credit score. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.18% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Solar Loan	-	-	7.18%	48 months
Details A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples. Rate may vary based on credit score. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.18% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%
Solar Loan	-	-	7.97%	60 months
Details A $195 loan origination fee applies. The fee is calculated into the APR provided in the payment examples. Rate may vary based on credit score. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.97% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.37%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Hoosier Hills Credit Union’s Texas Ratio rose from 6.38% in Q3 2023 to 7.37% 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; 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$938M	7.37%	5.0	A
March 31, 2026	$931M	6.50%	5.0	A
December 31, 2025	$926M	8.88%	5.0	A
September 30, 2025	$917M	8.66%	5.0	A
June 30, 2025	$915M	11.18%	5.0	A
March 31, 2025	$907M	7.63%	5.0	A
December 31, 2024	$895M	12.45%	5.0	A
September 30, 2024	$900M	9.11%	5.0	A
June 30, 2024	$911M	9.54%	5.0	A
March 31, 2024	$926M	8.33%	5.0	A
December 31, 2023	$907M	7.90%	5.0	A
September 30, 2023	$889M	6.38%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Hoosier Hills 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 Hoosier Hills 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 Hoosier Hills Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hoosier Hills Credit Union

Website https://www.hoosierhills.com

Address 630 Lincoln Ave, Bedford, IN 47421-2116

Phone 812-279-6644

Fax 812-279-6639

President Bryan Johnson

CEO Travis Markley

Full-Time Employees 194

Part-Time Employees 4

Branch Locations 10

ATM Locations 10

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.37%

Return on Assets (ROA)

0.4542%

Return on Equity (ROE)

4.6858%

Non-Performing Loans Ratio (NPL)

0.97%

Total Assets

937,558,585

Total Amount of Shares and Deposits

800,469,077

Total Shares and Deposits < 1 Year

783,377,441

Total Shares and Deposits 1 3 Years

15,531,180

Total Shares and Deposits > 3 Years

1,560,456

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

196,015,236

Total Uninsured Shares and Deposits > $250K (F+J)

196,015,236

Total Insured Shares and Deposits > $250K (item 17 less item K)

604,453,841

Total Interest Expense (Sum of items 6 8)

8,344,842

Share Certificates

3,688

Number of Accounts for Share Drafts

27,657

IRA KEOGH Accounts

1,381

Number of Accounts for Regular Shares

48,908

All other shares

581

Money Market Shares

2,531

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)

48,431,764

Total Liabilities

860,679,162

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Hoosier Hills Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Hoosier Hills Credit Union

How many branches does Hoosier Hills Credit Union operate?

Hoosier Hills 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 Hoosier Hills Credit Union?

Yes, to access services at Hoosier Hills 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, Hoosier Hills 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, Hoosier Hills Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Hoosier Hills Credit Union offer online and mobile banking?

Most modern institutions like Hoosier Hills 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.hoosierhills.com.

Current Hoosier Hills Credit Union Rates

12-Month CD2.12%
18-Month CD3.04%
24-Month CD3.30%
60-Month CD3.30%
Savings0.60%
MMA4.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Hoosier Hills Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Hoosier Hills Credit Union Texas Ratio

Hoosier Hills Credit Union Health Trend

Hoosier Hills Credit Union CD Rates

Hoosier Hills Credit Union Savings Rates

Hoosier Hills Credit Union Money Market Rates

Hoosier Hills Credit Union Checking Rates

Hoosier Hills Credit Union Auto Loan Rates

Hoosier Hills Credit Union RV, Boat and Powersport Loan Rates

Hoosier Hills Credit Union Credit Card Rates

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Hoosier Hills Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Hoosier Hills Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Hoosier Hills Credit Union

How many branches does Hoosier Hills Credit Union operate?

Is a member application needed to join Hoosier Hills Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Hoosier Hills Credit Union offer online and mobile banking?

Current Hoosier Hills Credit Union Rates

Compare to Other Credit Unions