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HealthPlus Federal 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.
Read Full Bio →
| 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 12, 2026

HealthPlus Federal Credit Union's top rates as of October 12, 2026 are 3.56% APY on its 12 Month CD of Deposit, 0.70% APY on savings, 0.75% APY on money market accounts, personal loans from 8.99% APR, and credit cards from 11.50% APR, according to rates verified by MonitorBankRates. Other HealthPlus Federal Credit Union CD rates include 36 Month CD of Deposit at 2.69%, and 60 Month CD of Deposit at 1.76%. MonitorBankRates evaluates the financial stability of HealthPlus Federal Credit Union with a 2.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 51.07%. Rates last updated and verified on 10/12/2026.

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

Overall Health & Safety Grade ?
F
High Risk Health Score: 44/100
MonitorBankRates Rating ?
2.0
Weak Out of 5.0 Stars
Texas Ratio ?
51.07%
Weak Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
HealthPlus Federal Credit Union
HEALTHPLUS
500H E WOODROW WILSON Ave
JACKSON, MS 39216-4538
https://www.healthplusfcu.com
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.

HealthPlus Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month Certificate of Deposit 3.50% 3.56% 12 Months
Min Deposit $1,000
Min Balance $1,000
Details Effective Date 9/01/2026; Minimum Balance to Avoid Fees: n/a; Dividends compounded and credited quarterly
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 4, 2026: 3.56% APYOct 4, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
36 Month Certificate of Deposit 2.67% 2.69% 36 Months
Min Deposit $1,000
Min Balance $1,000
Details Effective Date 9/01/2026; Minimum Balance to Avoid Fees: n/a; Dividends compounded and credited quarterly
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.69% APY · checked 3 times
2.19%2.69%3.19%Oct 4, 2026: 2.69% APYOct 4, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
60 Month Certificate of Deposit 1.75% 1.76% 60 Months
Min Deposit $1,000
Min Balance $1,000
Details Effective Date 9/01/2026; Minimum Balance to Avoid Fees: n/a; Dividends compounded and credited quarterly
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 1.76% APY · checked 3 times
1.26%1.76%2.26%Oct 4, 2026: 1.76% APYOct 4, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%

HealthPlus Federal Credit Union Savings Rates

Product Rate APY View More
Youth Savings (2) 0.70% 0.70%
Min Deposit $20
Min Balance $750
Details Minimum Balance to Avoid Fees: $20; Dividends compounded and credited quarterly; Dividends period quarterly
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.70% APY
0.20%0.70%1.20%Oct 12, 2026: 0.70% APYOct 12, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Christmas and Vacation Clubs (51/52) 0.30% 0.30%
Min Deposit $0
Min Balance $150
Details Effective 10/1/2026; Minimum Balance to Avoid Fees: n/a; Dividends compounded and credited quarterly; Dividends period quarterly
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.30% APY
0.00%0.40%0.80%Oct 12, 2026: 0.30% APYOct 12, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%

HealthPlus Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market (79) 0.75% 0.75%
Min Deposit $250
Min Balance $100,000
Details Effective 10/1/2026; Balance: $100,000 and over; Minimum Balance to Avoid Fees: $250; Dividends compounded and credited monthly
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.75% APY
0.25%0.75%1.25%Oct 12, 2026: 0.75% APYOct 12, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Money Market (79) 0.65% 0.65%
Min Deposit $250
Min Balance $50,000
Details Effective 10/1/2026; Balance: $50,000-$99,999.99; Minimum Balance to Avoid Fees: $250; Dividends compounded and credited monthly
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.65% APY
0.15%0.65%1.15%Oct 12, 2026: 0.65% APYOct 12, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Money Market (79) 0.50% 0.50%
Min Deposit $250
Min Balance $25,000
Details Effective 10/1/2026; Balance: $25,000-$49,999.99; Minimum Balance to Avoid Fees: $250; Dividends compounded and credited monthly
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 12, 2026: 0.50% APYOct 12, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Money Market (79) 0.35% 0.35%
Min Deposit $250
Min Balance $10,000
Details Effective 10/1/2026; Balance: $10,000-$24,999.99; Minimum Balance to Avoid Fees: $250; Dividends compounded and credited monthly
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.35% APY
0.00%0.43%0.85%Oct 12, 2026: 0.35% APYOct 12, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Money Market (79) 0.25% 0.25%
Min Deposit $250
Min Balance $750
Details Effective 10/1/2026; Balance: $750-$9,999.99; Minimum Balance to Avoid Fees: $250; Dividends compounded and credited monthly
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 12, 2026: 0.25% APYOct 12, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%

HealthPlus Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto 3.29% - 3.29% Up to 48 months
Details Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.29% APR · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 3.79% - 3.79% 60 months
Details Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.79% APR · checked 7 times
3.29%3.79%4.29%Sep 14, 2026: 3.79% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 3.99% - 3.99% Up to 48 months
Details Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 4.29% - 4.29% 72 months
Details Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 7 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 4.49% - 4.49% Up to 48 months
Details Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 4.49% - 4.49% 60 months
Details Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 4.79% - 4.79% 84 months
Details Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.79% APR · checked 7 times
4.29%4.79%5.29%Sep 14, 2026: 4.79% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 4.99% - 4.99% 60 months
Details Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 4.99% - 4.99% 72 months
Details Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 5.29% - 5.29% 96 months
Details Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.29% APR · checked 7 times
4.79%5.29%5.79%Sep 14, 2026: 5.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 5.49% - 5.49% 72 months
Details Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 5.49% - 5.49% Up to 48 months
Details Credit Rating: A (700-774); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 5.49% - 5.49% 84 months
Details Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 5.99% - 5.99% 84 months
Details Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 5.99% - 5.99% 60 months
Details Credit Rating: A (700-774); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 6.49% - 6.49% Up to 48 months
Details Credit Rating: B (650-699); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 6.49% - 6.49% 96 months
Details Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 6.49% - 6.49% 72 months
Details Credit Rating: A (700-774); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 6.99% - 6.99% 60 months
Details Credit Rating: B (650-699); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 6.99% - 6.99% 84 months
Details Credit Rating: A (700-774); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 7.49% - 7.49% 72 months
Details Credit Rating: B (650-699); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 7 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 7.49% - 7.49% Up to 48 months
Details Credit Rating: B (650-699); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 7 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 7.99% - 7.99% 84 months
Details Credit Rating: B (650-699); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 7 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 7.99% - 7.99% 60 months
Details Credit Rating: B (650-699); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 7 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 8.49% - 8.49% 72 months
Details Credit Rating: B (650-699); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 7 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 8.99% - 8.99% 84 months
Details Credit Rating: B (650-699); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 7 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 9.99% - 9.99% Up to 48 months
Details Credit Rating: C (600-649); GPS: May Use; LTV: 100% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 7 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 10.49% - 10.49% 60 months
Details Credit Rating: C (600-649); GPS: May Use; LTV: 100% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 7 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 10.99% - 10.99% 72 months
Details Credit Rating: C (600-649); GPS: May Use; LTV: 100% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 7 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 10.99% - 10.99% Up to 48 months
Details Credit Rating: C (600-649); LTV: 100% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 7 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 11.49% - 11.49% 84 months
Details Credit Rating: C (600-649); GPS: May Use; LTV: 100% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 7 times
10.99%11.49%11.99%Sep 14, 2026: 11.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 11.49% - 11.49% 60 months
Details Credit Rating: C (600-649); LTV: 100% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 7 times
10.99%11.49%11.99%Sep 14, 2026: 11.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 11.99% - 11.99% 72 months
Details Credit Rating: C (600-649); LTV: 100% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 7 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 12.49% - 12.49% 84 months
Details Credit Rating: C (600-649); LTV: 100% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 7 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 14.99% - 14.99% Up to 48 months
Details Credit Rating: D (550-599); GPS: May Use; LTV: 100% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 14.99% APR · checked 7 times
14.49%14.99%15.49%Sep 14, 2026: 14.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 15.49% - 15.49% 60 months
Details Credit Rating: D (550-599); GPS: May Use; LTV: 100% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 15.49% APR · checked 7 times
14.99%15.49%15.99%Sep 14, 2026: 15.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 15.99% - 15.99% 72 months
Details Credit Rating: D (550-599); GPS: May Use; LTV: 100% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 15.99% APR · checked 7 times
15.49%15.99%16.49%Sep 14, 2026: 15.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 16.99% - 16.99% Up to 48 months
Details Credit Rating: D (550-599); LTV: 100% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 16.99% APR · checked 7 times
16.49%16.99%17.49%Sep 14, 2026: 16.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 17.49% - 17.49% Up to 48 months
Details Credit Rating: E (549 -); GPS: May Use; LTV: 100% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 17.49% APR · checked 7 times
16.99%17.49%17.99%Sep 14, 2026: 17.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 17.49% - 17.49% Up to 48 months
Details Credit Rating: E (549 -); LTV: 100% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 17.49% APR · checked 7 times
16.99%17.49%17.99%Sep 14, 2026: 17.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 17.49% - 17.49% 60 months
Details Credit Rating: D (550-599); LTV: 100% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 17.49% APR · checked 7 times
16.99%17.49%17.99%Sep 14, 2026: 17.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto 17.99% - 17.99% 60 months
Details Credit Rating: E (549 -); GPS: May Use; LTV: 100% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 17.99% APR · checked 7 times
17.49%17.99%18.49%Sep 14, 2026: 17.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 17.99% - 17.99% 60 months
Details Credit Rating: E (549 -); LTV: 100% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 17.99% APR · checked 7 times
17.49%17.99%18.49%Sep 14, 2026: 17.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto 17.99% - 17.99% 72 months
Details Credit Rating: D (550-599); LTV: 100% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 17.99% APR · checked 7 times
17.49%17.99%18.49%Sep 14, 2026: 17.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%

HealthPlus Federal Credit Union Credit Card Rates

Product Rate APR View More
VISA 11.50% 11.50%
Details Credit Rating: S (775+); VISA Limit: $10,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 7 times
11.00%11.50%12.00%Sep 14, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
VISA 13.50% 13.50%
Details Credit Rating: B (650-699); VISA Limit: $5,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 13.50% APR · checked 7 times
13.00%13.50%14.00%Sep 14, 2026: 13.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
VISA 16.50% 16.50%
Details Credit Rating: C (600-649); VISA Limit: $2,500.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 7 times
16.00%16.50%17.00%Sep 14, 2026: 16.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
VISA 18.00% 18.00%
Details Credit Rating: D (550-599); VISA Limit: $1,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 7 times
17.50%18.00%18.50%Sep 14, 2026: 18.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%

HealthPlus Federal Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Loan 8.99% Up to 60 months
Details Credit Rating: S (775+); Unsecured Limit: $15,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 7 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Unsecured Loan 10.99% Up to 60 months
Details Credit Rating: A (700-774); Unsecured Limit: $10,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 7 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Unsecured Loan 12.99% Up to 48 months
Details Credit Rating: B (650-699); Unsecured Limit: $7,500.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 7 times
12.49%12.99%13.49%Sep 14, 2026: 12.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Unsecured Loan 14.99% Up to 36 months
Details Credit Rating: C (600-649); Unsecured Limit: $5,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 14.99% APR · checked 7 times
14.49%14.99%15.49%Sep 14, 2026: 14.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Unsecured Loan 16.99% Up to 24 months
Details Credit Rating: D (550-599); Unsecured Limit: $2,500.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 16.99% APR · checked 7 times
16.49%16.99%17.49%Sep 14, 2026: 16.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Unsecured Loan 17.99% Up to 12 months
Details Credit Rating: E (549-); Unsecured Limit: $1,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 17.99% APR · checked 7 times
17.49%17.99%18.49%Sep 14, 2026: 17.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%

HealthPlus Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
New Auto Loan 3.29% - 3.29% Up to 48 months
Details Credit Rating: S (775+); LTV: 125% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.29% APR · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 4.49% - 4.49% Up to 48 months
Details Credit Rating: A (700-774); LTV: 125% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 6.49% - 6.49% Up to 48 months
Details Credit Rating: B (650-699); LTV: 125% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 9.99% - 9.99% Up to 48 months
Details Credit Rating: C (600-649); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 7 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 14.99% - 14.99% Up to 48 months
Details Credit Rating: D (550-599); LTV: 100% LTV with GAP; GPS: Required
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 14.99% APR · checked 7 times
14.49%14.99%15.49%Sep 14, 2026: 14.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 17.49% - 17.49% Up to 48 months
Details Credit Rating: E (549-); LTV: 100% LTV with GAP; GPS: Required
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 17.49% APR · checked 7 times
16.99%17.49%17.99%Sep 14, 2026: 17.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 3.79% - 3.79% 60 months
Details Credit Rating: S (775+); LTV: 125% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.79% APR · checked 7 times
3.29%3.79%4.29%Sep 14, 2026: 3.79% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 4.99% - 4.99% 60 months
Details Credit Rating: A (700-774); LTV: 125% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 6.99% - 6.99% 60 months
Details Credit Rating: B (650-699); LTV: 125% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 10.49% - 10.49% 60 months
Details Credit Rating: C (600-649); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 7 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 15.49% - 15.49% 60 months
Details Credit Rating: D (550-599); LTV: 100% LTV with GAP; GPS: Required
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 15.49% APR · checked 7 times
14.99%15.49%15.99%Sep 14, 2026: 15.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 17.99% - 17.99% 60 months
Details Credit Rating: E (549-); LTV: 100% LTV with GAP; GPS: Required
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 17.99% APR · checked 7 times
17.49%17.99%18.49%Sep 14, 2026: 17.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 4.29% - 4.29% 72 months
Details Credit Rating: S (775+); LTV: 125% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 7 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 5.49% - 5.49% 72 months
Details Credit Rating: A (700-774); LTV: 125% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 7.49% - 7.49% 72 months
Details Credit Rating: B (650-699); LTV: 125% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 7 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 10.99% - 10.99% 72 months
Details Credit Rating: C (600-649); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 7 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 15.99% - 15.99% 72 months
Details Credit Rating: D (550-599); LTV: 100% LTV with GAP; GPS: Required
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 15.99% APR · checked 7 times
15.49%15.99%16.49%Sep 14, 2026: 15.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 4.79% - 4.79% 84 months
Details Credit Rating: S (775+); LTV: 125% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.79% APR · checked 7 times
4.29%4.79%5.29%Sep 14, 2026: 4.79% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 5.99% - 5.99% 84 months
Details Credit Rating: A (700-774); LTV: 125% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 7.99% - 7.99% 84 months
Details Credit Rating: B (650-699); LTV: 125% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 7 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 11.49% - 11.49% 84 months
Details Credit Rating: C (600-649); LTV: 125% LTV with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 7 times
10.99%11.49%11.99%Sep 14, 2026: 11.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 5.29% - 5.29% 96 months
Details Credit Rating: S (775+); LTV: 125% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.29% APR · checked 7 times
4.79%5.29%5.79%Sep 14, 2026: 5.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
New Auto Loan 6.49% - 6.49% 96 months
Details Credit Rating: A (700-774); LTV: 125% LTV with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
PAL Loan 28.00% - 28.00% Up to 6 months
Details Loan amount $200-$1000; Members cannot get a new loan until PAL loan is paid off
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 28.00% APR · checked 7 times
27.50%28.00%28.50%Sep 14, 2026: 28.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
PAL Loan 28.00% - 28.00% Max 6 months
Details Loan amount $200-$1000; Members cannot get new loan until PAL loan is paid off
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 28.00% APR
27.50%28.00%28.50%Oct 12, 2026: 28.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 3.99% - 3.99% Up to 48 months
Details Credit Rating: S (775+); LTV: 125% NADA with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 5.49% - 5.49% Up to 48 months
Details Credit Rating: A (700-774); LTV: 125% NADA with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 7.49% - 7.49% Up to 48 months
Details Credit Rating: B (650-699); LTV: 125% NADA with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 7 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 10.99% - 10.99% Up to 48 months
Details Credit Rating: C (600-649); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 7 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 16.99% - 16.99% Up to 48 months
Details Credit Rating: D (550-599); LTV: 100% NADA with GAP; GPS: Required
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 16.99% APR · checked 7 times
16.49%16.99%17.49%Sep 14, 2026: 16.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 17.49% - 17.49% Up to 48 months
Details Credit Rating: E (549-); LTV: 100% NADA with GAP; GPS: Required
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 17.49% APR · checked 7 times
16.99%17.49%17.99%Sep 14, 2026: 17.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 4.49% - 4.49% 60 months
Details Credit Rating: S (775+); LTV: 125% NADA with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 5.99% - 5.99% 60 months
Details Credit Rating: A (700-774); LTV: 125% NADA with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 7.99% - 7.99% 60 months
Details Credit Rating: B (650-699); LTV: 125% NADA with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 7 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 11.49% - 11.49% 60 months
Details Credit Rating: C (600-649); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 7 times
10.99%11.49%11.99%Sep 14, 2026: 11.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 17.49% - 17.49% 60 months
Details Credit Rating: D (550-599); LTV: 100% NADA with GAP; GPS: Required
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 17.49% APR · checked 7 times
16.99%17.49%17.99%Sep 14, 2026: 17.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 17.99% - 17.99% 60 months
Details Credit Rating: E (549-); LTV: 100% NADA with GAP; GPS: Required
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 17.99% APR · checked 7 times
17.49%17.99%18.49%Sep 14, 2026: 17.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 4.99% - 4.99% 72 months
Details Credit Rating: S (775+); LTV: 125% NADA with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 6.49% - 6.49% 72 months
Details Credit Rating: A (700-774); LTV: 125% NADA with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 8.49% - 8.49% 72 months
Details Credit Rating: B (650-699); LTV: 125% NADA with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 7 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 11.99% - 11.99% 72 months
Details Credit Rating: C (600-649); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 7 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 17.99% - 17.99% 72 months
Details Credit Rating: D (550-599); LTV: 100% NADA with GAP; GPS: Required
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 17.99% APR · checked 7 times
17.49%17.99%18.49%Sep 14, 2026: 17.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 5.49% - 5.49% 84 months
Details Credit Rating: S (775+); LTV: 125% NADA with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 6.99% - 6.99% 84 months
Details Credit Rating: A (700-774); LTV: 125% NADA with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 8.99% - 8.99% 84 months
Details Credit Rating: B (650-699); LTV: 125% NADA with GAP
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 7 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
Used Auto Loan 12.49% - 12.49% 84 months
Details Credit Rating: C (600-649); LTV: 125% NADA with GAP; GPS: May Use
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 7 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
2.0
Star Rating
F
Health Grade
◈ Texas Ratio: 51.07%
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

HealthPlus Federal Credit Union’s Texas Ratio rose from 35.86% in Q3 2023 to 51.07% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 3.3 to 2.0 and its Health Grade from D to F. 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★ 17% 2.0★ 34% 3.0★ 52% 4.0★ 69% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 35.86% D Q3 2023 D Q4 2023 C- Q1 2024 D Q2 2024 D Q3 2024 F Q4 2024 F Q1 2025 D Q2 2025 D Q3 2025 D Q4 2025 F Q1 2026 51.07% F 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$11M51.07%2.0F
March 31, 2026$11M44.56%2.5F
December 31, 2025$11M38.14%3.1D
September 30, 2025$10M38.77%3.0D
June 30, 2025$10M34.89%3.3D
March 31, 2025$10M42.96%2.7F
December 31, 2024$10M49.26%2.2F
September 30, 2024$10M39.34%3.0D
June 30, 2024$10M38.05%3.1D
March 31, 2024$10M29.68%3.8C-
December 31, 2023$10M37.70%3.1D
September 30, 2023$10M35.86%3.3D
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 HealthPlus Federal 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 HealthPlus Federal 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 HealthPlus Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name HealthPlus Federal Credit Union
Website https://www.healthplusfcu.com
Address 500H E WOODROW WILSON Ave, JACKSON, MS 39216-4538
Phone 601-354-6633
Fax 601-354-6130
President Ulysses Conley
CEO Markeith Wilkes
Full-Time Employees 4
Part-Time Employees 0
Branch Locations 2
ATM Locations 0
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
2.0 / 5.0 ★
Overall Health & Safety Grade
F (44/100)
Texas Ratio
51.07%
Return on Assets (ROA)
-0.3493%
Return on Equity (ROE)
-4.2014%
Non-Performing Loans Ratio (NPL)
8.53%
Total Assets
10,529,682
Total Amount of Shares and Deposits
9,633,963
Total Shares and Deposits < 1 Year
9,136,963
Total Shares and Deposits 1 3 Years
497,000
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
308,192
Total Uninsured Shares and Deposits > $250K (F+J)
2,292,192
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,341,771
Total Interest Expense (Sum of items 6 8)
89,076
Share Certificates
11
Number of Accounts for Share Drafts
904
Number of Accounts for Regular Shares
1,558
Non Member Deposits
3
Money Market Shares
5
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)
3,615,101
Total Liabilities
9,675,399
Source: NCUA — Last Updated 06/30/2026

Customer Reviews

There are no reviews for HealthPlus Federal Credit Union yet. Feel free to create one below.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About HealthPlus Federal Credit Union

How many branches does HealthPlus Federal Credit Union operate?

HealthPlus Federal 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 HealthPlus Federal Credit Union?

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

Does HealthPlus Federal Credit Union offer online and mobile banking?

Most modern institutions like HealthPlus Federal 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.healthplusfcu.com.

Current HealthPlus Federal Credit Union Rates

  • 12-Month CD3.56%
  • 60-Month CD1.76%
  • Savings0.70%
  • MMA0.75%
Retrieved from our database of financial products. Rates subject to change.

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