|
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.
 HPC 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
HPC Credit Union's checking rates are as high as 1.26%. MonitorBankRates evaluates the financial stability of HPC Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.83%. Rates last updated and verified on 10/29/2026. HPC 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 HPC Credit Union? Share your experience about HPC Credit Union by leaving a review below, or read customer reviews before you decide to use HPC Credit Union. HPC Credit Union
H.P.C. CREDIT UNION - MAIN OFFICE 1234 W CHISHOLM ST
https://www.hpccu.com ALPENA, MI 49707  Customer Reviews
Be the first to review
Write a Review
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. HPC Credit Union Savings Rates
HPC Credit Union Checking Rates
HPC Credit Union Business Checking Rates
HPC Credit Union Other Rates
Financial Health HistoryHPC Credit Union’s Texas Ratio rose from 0.27% in Q3 2023 to 7.83% 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 and its Health Grade from A+ to A. 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)
Powered by
MonitorBankRates
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 HPC 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 HPC 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 HPC Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
HPC Credit Union
Website
https://www.hpccu.com
Address
1234 W CHISHOLM ST,
ALPENA, MI 49707
Phone
989-354-4698
Fax
989-356-6912
President
JON BENSON
CEO
DENNIS WERNER
Full-Time Employees
30
Part-Time Employees
2
Branch Locations
3
ATM Locations
3
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
7.83%
Return on Assets (ROA)
0.4038%
Return on Equity (ROE)
2.9613%
Non-Performing Loans Ratio (NPL)
1.86%
Total Assets
171,863,793
Total Amount of Shares and Deposits
148,030,943
Total Shares and Deposits < 1 Year
143,150,703
Total Shares and Deposits 1 3 Years
4,880,241
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,598,600
Total Uninsured Shares and Deposits > $250K (F+J)
13,598,600
Total Insured Shares and Deposits > $250K (item 17 less item K)
134,432,343
Total Interest Expense (Sum of items 6 8)
780,812
Share Certificates
715
Number of Accounts for Share Drafts
4,804
IRA KEOGH Accounts
558
Number of Accounts for Regular Shares
9,943
All other shares
721
Money Market Shares
916
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)
8,486,829
Total Liabilities
148,431,376
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for HPC Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for HPC Credit Union
Frequently Asked Questions About HPC Credit UnionHow many branches does HPC Credit Union operate?HPC 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 HPC Credit Union?Yes, to access services at HPC 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, HPC 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, HPC Credit Union provides members with tools to manage their accounts and build a solid financial history. Does HPC Credit Union offer online and mobile banking?Most modern institutions like HPC 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.hpccu.com. 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 HPC Credit Union rates compare?HPC Credit Union's top rate is its BUSINESS SHARE DRAFT at 1.26% APY, verified by MonitorBankRates on October 29, 2026. Compare to Other Credit Unions
Hotel And Travel Industry Federal Credit Union
Tulare County Credit Union
Kauai Federal Credit Union
Cleveland Police Credit Union
Origins Credit Union
Dexter Public Schools Credit Union
Holy Family Parma Federal Credit Union
Advantage Federal Credit Union FCU
Ukrainian Selfreliance Michigan Federal Credit Union
Tricounty Federal Credit Union
First Community Credit Union of Beloit Credit Union
St Anthony Of Padua Federal Credit Union
Nashville Firemens Credit Union
Auburn Community Federal Credit Union
Credit Human Federal Credit Union
Triboro Postal Federal Credit Union
East Alabama Community Credit Union
Eight Federal Credit Union
Gardiner Federal Credit Union
Jersey Shore Federal Credit Union
Decatur Earthmover Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
