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HPC Credit Union

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HPC Credit Union Rates & Review May 2026

Q: How 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 13, 2026

You can compare HPC Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.44%, 6-month share certificate rates at 2.53% and 3-month share certificate rates at 0.05%. Savings rates are at 0.10% and money market rates are at 1.16%. Mortgage rates on 30-year fixed loans are around 6.45%. All these rates can be compared to HPC Credit Union rates. 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 1.62%. Rates were last updated on 05/13/2026.

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.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.62%

Excellent Lower than avg

HPC Credit Union
HPC CREDIT UNION MAIN OFFICE

1234 W CHISHOLM ST
ALPENA, MI 49707

https://www.hpccu.com

Current Rate Availability

We do not have HPC Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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 25

Part-Time Employees 4

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.62%

Return on Assets (ROA)

0.5362%

Return on Equity (ROE)

3.7297%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

155,775,976

Total Amount of Shares and Deposits

132,817,838

Total Shares and Deposits < 1 Year

130,506,652

Total Shares and Deposits 1 3 Years

2,311,186

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

7,270,154

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

7,270,154

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

125,547,684

Total Interest Expense (Sum of items 6 8)

964,807

Share Certificates

732

Number of Accounts for Share Drafts

4,748

IRA KEOGH Accounts

578

Number of Accounts for Regular Shares

9,772

All other shares

690

Money Market Shares

845

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,223,751

Total Liabilities

133,382,704

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

HPC Credit Union earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About HPC Credit Union

How 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.