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Health Care Family Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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.
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| iEditorial Disclosure
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 9, 2026

Health Care Family Credit Union's top rates as of October 9, 2026 are 3.81% APY on its 12 Month Build A CD of Deposit, 0.30% APY on savings, 2.07% APY on money market accounts, 0.10% APY on checking, personal loans from 10.49% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other Health Care Family Credit Union CD rates include 12 Month CD of Deposit at 3.81%, 60 Month CD of Deposit at 3.66%, and 36 Month Certicicate of Deposit at 3.60%. MonitorBankRates evaluates the financial stability of Health Care Family Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.68%. Rates last updated and verified on 10/09/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
10.68%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Health Care Family Credit Union
Health Care Family Credit Union
2114 S Big Bend Blvd
Saint Louis, MO 63117-2406
https://www.healthcarefamilycreditunion.org/
Member NCUA
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.

Health Care Family Credit Union CD Rates

Product Rate APY Term View More
12 Month Build A Certificate of Deposit - 3.81% 12 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
12 Month Certificate of Deposit - 3.81% 12 Month
Min Deposit $1,000
Details Certificates of Deposit require a minimum deposit of $1,000.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.81% APY · checked 6 times
3.31%3.81%4.31%Sep 14, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
60 Month Certificate of Deposit - 3.66% 60 Month
Min Deposit $50,000
Details $50,000 +; Certificates of Deposit require a minimum deposit of $50,000. Interest compounded semi-annually.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
36 Month Certicicate of Deposit - 3.60% 36 Month
Min Deposit $50,000
Details $50,000 +; Certificates of Deposit require a minimum deposit of $50,000. Interest compounded semi-annually.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
24 Month Certificate of Deposit - 3.55% 24 Month
Min Deposit $50,000
Details $50,000 +; Certificates of Deposit require a minimum deposit of $50,000. Interest compounded semi-annually.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
60 Month Build A Certificate of Deposit - 3.55% 60 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
60 Month Certificate of Deposit - 3.55% 60 Month
Min Deposit $1,000
Details Certificates of Deposit require a minimum deposit of $1,000.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
36 Month Build A Certificate of Deposit - 3.50% 36 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
36 Month Certicicate of Deposit - 3.50% 36 Month
Min Deposit $1,000
Details Certificates of Deposit require a minimum deposit of $1,000.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
24 Month Build a Certificate of Deposit - 3.45% 24 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
24 Month Certificate of Deposit - 3.45% 24 Month
Min Deposit $1,000
Details Certificates of Deposit require a minimum deposit of $1,000.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
6 Month Certificate of Deposit - 3.45% 6 Month
Min Deposit $1,000
Details Certificates of Deposit require a minimum deposit of $1,000.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
60 Month Bump Up Certificate of Deposit - 3.45% 60 Month
Min Deposit $1,000
Details Certificates of Deposit require a minimum deposit of $1,000.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
36 Month Bump Up Certificate of Deposit - 3.40% 36 Month
Min Deposit $1,000
Details Certificates of Deposit require a minimum deposit of $1,000.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
24 Month Bump Up Certificate of Deposit - 3.35% 24 Month
Min Deposit $1,000
Details Certificates of Deposit require a minimum deposit of $1,000.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%

Health Care Family Credit Union Savings Rates

Product Rate APY View More
IRA Share (Savings) - 0.30%
Min Balance $250
Details Requires a $250 minimum average daily balance to earn dividends.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Christmas Club/ Wish Club - 0.10%
Min Balance $250
Details Requires a $250 minimum average daily balance to earn dividends.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Primary Share (Savings) - 0.10%
Min Balance $250
Details Requires a $250 minimum average daily balance to earn dividends.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%

Health Care Family Credit Union Money Market Rates

Product Rate APY View More
Money Market Accounts - 2.07%
Min Balance $100,000
Details 2.07% APY on Balances of $100,000 - 249,999
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.07% APY · checked 5 times
1.57%2.07%2.57%Sep 14, 2026: 2.07% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Money Market Accounts - 1.81%
Min Balance $50,000
Details 1.81% APY on Balances of $50,000 -$99,999
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.81% APY · checked 5 times
1.31%1.81%2.31%Sep 14, 2026: 1.81% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Money Market Accounts - 1.61%
Min Balance $25,000
Details 1.61% on Balances of $25,000 - $49,999
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.61% APY · checked 5 times
1.11%1.61%2.11%Sep 14, 2026: 1.61% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Money Market Accounts - 1.51%
Min Balance $10,000
Details 1.51% APY on Balances of $10,000 - $24,999
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 5 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Money Market Accounts - 1.31%
Min Balance $5,000
Details 1.31% APY on Balances of $5,000 - $9,999
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 5 times
0.81%1.31%1.81%Sep 14, 2026: 1.31% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Money Market Accounts - 1.21%
Min Balance $2,000
Details 1.21% APY on Balances of $2,000 - $4,999
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 5 times
0.71%1.21%1.71%Sep 14, 2026: 1.21% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%

Health Care Family Credit Union Checking Rates

Product Rate APY View More
Gold Checking - 0.10%
Min Balance $750
Details Requires a $750 minimum average daily balance to earn dividends.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%

Health Care Family Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
home equity - - 7.25%
Details $583 Savings Over 10 Years
Last Updated 10/09/2026
Rate History
No change since Sep 29, 2026 · 7.25% APR · checked 3 times
6.75%7.25%7.75%Sep 29, 2026: 7.25% APRSep 29, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%

Health Care Family Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto - - 4.49% 36 Months
Details As low as; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.24% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.49%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Used Auto - - 4.49% 36 Months
Details As low as; 2024-2026 model years; rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.24% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.49%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
New Auto - - 4.74% 63 Months
Details As low as; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Used Auto - - 4.74% 63 Months
Details As low as; 2024-2026 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 18, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Used Auto - - 4.74% 36 Months
Details As low as; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 4.24% → 4.74% ▲ 0.50 pts · high 4.74% / low 4.24%
3.74%4.49%5.24%Sep 14, 2026: 4.24% APRSep 18, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Used Auto - - 4.74% 37-48 Months
Details As low as; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 18, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
New Auto - - 5.24% 75 Months
Details As low as; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 14, 2026: 4.99% APROct 9, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.24%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Used Auto - - 5.49% 75 Months
Details As low as; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.24% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.49%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Misc vehicles (titles) Loan - - 8.99% 0-36 Months
Details As low as; (New & Used) includes Campers, Trailers, Horse Trailers, ATVs, Snowmobiles, etc. Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Misc vehicles (titles) Loan - - 9.49% 60 Months
Details As low as; (New & Used) includes Campers, Trailers, Horse Trailers, ATVs, Snowmobiles, etc. Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 6 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%

Health Care Family Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motorcycles - New/Used Loan - 6.75% 60 Months
Details As low as; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 6 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Motorcycles - New/Used Loan - 7.25% 72 Months
Details As low as; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 6 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Motor Homes, Travel Trailers, & Boats - New Loan - 7.50% 60 Months
Details As low as; 120 month term available for additional 1.2%. Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 6 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Motor Homes, Travel Trailers, & Boats - Used Loan - 7.50% 60 Months
Details As low as; 120 month term available for additional 1.2%. Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 6 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%

Health Care Family Credit Union Credit Card Rates

Product Rate APR View More
MasterCard Classic - 10.90%
Details Fixed Rates; Not all members will qualify for 10.9% interest rates. Rates and terms are based on member creditworthiness and other factors.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 10.90% APR · checked 5 times
10.40%10.90%11.40%Sep 14, 2026: 10.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Visa Gold - 10.90%
Details Fixed Rates; Not all members will qualify for 10.9% interest rates. Rates and terms are based on member creditworthiness and other factors.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 10.90% APR · checked 6 times
10.40%10.90%11.40%Sep 14, 2026: 10.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Visa Platinum - 10.90%
Details Fixed Rates; Not all members will qualify for 10.9% interest rates. Rates and terms are based on member creditworthiness and other factors.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 10.90% APR · checked 6 times
10.40%10.90%11.40%Sep 14, 2026: 10.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
VISA Gold Credit Card - 12.90%
Details Fixed Rate 12.9% APR* No Annual Fee No interest if paid in full by due date 25-day grace for late fee Payments = 2.5% of balance
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 12.90% APR · checked 5 times
12.40%12.90%13.40%Sep 14, 2026: 12.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%

Health Care Family Credit Union Personal Loan Rates

Product APR Term View More
Signature Loan 10.49% 36 Months
Details As low as; $500 minimum Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 6 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Signature Loan 11.24% 37-60 Months
Details As low as; $500 minimum Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 11.24% APR · checked 6 times
10.74%11.24%11.74%Sep 14, 2026: 11.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%

Health Care Family Credit Union Other Rates

Product Rate Points APY/APR Term View More
Fixed HE Loan - - 7.25%
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 6 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
Line-Of-Credit Loan - - 10.00%
Details $500/$15000 Rates may vary based on creditworthiness of applicant.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 5 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.68%
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

Health Care Family Credit Union’s Texas Ratio rose from 1.34% in Q3 2023 to 10.68% 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 1.34% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 10.68% A Q2 2026
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)
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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$75M10.68%5.0A
March 31, 2026$75M9.18%5.0A
December 31, 2025$73M11.30%5.0A
September 30, 2025$75M10.45%5.0A
June 30, 2025$75M10.55%5.0A
March 31, 2025$76M3.65%5.0A+
December 31, 2024$76M3.31%5.0A+
September 30, 2024$75M2.45%5.0A+
June 30, 2024$75M1.21%5.0A+
March 31, 2024$75M1.75%5.0A+
December 31, 2023$74M1.70%5.0A+
September 30, 2023$75M1.34%5.0A+
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 Health Care Family 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 Health Care Family 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 Health Care Family Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Health Care Family Credit Union
Website https://www.healthcarefamilycreditunion.org/
Address 2114 S Big Bend Blvd, Saint Louis, MO 63117-2406
Phone 314-645-5851
Fax 314-645-1548
President Debra Wierciak
CEO Terry Summers
Full-Time Employees 15
Part-Time Employees 1
Branch Locations 2
ATM Locations 2
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.68%
Return on Assets (ROA)
0.2717%
Return on Equity (ROE)
1.7193%
Non-Performing Loans Ratio (NPL)
2.42%
Total Assets
75,238,766
Total Amount of Shares and Deposits
62,928,803
Total Shares and Deposits < 1 Year
58,122,066
Total Shares and Deposits 1 3 Years
3,987,793
Total Shares and Deposits > 3 Years
818,943
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,591,731
Total Uninsured Shares and Deposits > $250K (F+J)
2,591,731
Total Insured Shares and Deposits > $250K (item 17 less item K)
60,337,072
Total Interest Expense (Sum of items 6 8)
444,590
Share Certificates
576
Number of Accounts for Share Drafts
2,721
IRA KEOGH Accounts
146
Number of Accounts for Regular Shares
5,816
Money Market Shares
363
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)
6,620,271
Total Liabilities
63,762,207
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Health Care Family Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/health-care-family-credit-union-rates-review-63249">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About Health Care Family Credit Union

How many branches does Health Care Family Credit Union operate?

Health Care Family 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 Health Care Family Credit Union?

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

Does Health Care Family Credit Union offer online and mobile banking?

Most modern institutions like Health Care Family 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.healthcarefamilycreditunion.org/.

Current Health Care Family Credit Union Rates

  • 12-Month CD3.81%
  • 24-Month CD3.35%
  • 60-Month CD3.45%
  • Savings0.30%
  • MMA2.07%
Retrieved from our database of financial products. Rates subject to change.

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