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Hoosier Hills Credit Union Rates and Review February 2026

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Hoosier Hills Credit Union's CD 5 month special rates are at 3.75%, 60 month CD rates are at 3.56%, 60 month CD rates are at 3.30%, 6 month CD rates are at 2.53%, 18 month CD rates are at 2.38%. Hoosier Hills Credit Union's savings rates are at 0.00%. Hoosier Hills Credit Union's Personal Loan Rates are at 7.96%.

Hoosier Hills Credit Union

Hoosier Hills Credit Union money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available.Have you opened an account or have any experiences at Hoosier Hills Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use .

Hoosier Hills Credit Union Texas Ratio

Hoosier Hills Credit Union's Texas Ratio is at 9.40%, which is considered excellent. The Texas Ratio for Hoosier Hills Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Hoosier Hills Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.

MonitorBankRates Rating

5.0
Excellent
Out of 5.0 Stars

Hoosier Hills Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, Hoosier Hills Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Product
APY/APR
vs.Avg
12-Month CD
2.12%
18-Month CD
2.12%
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
3.30%
Savings
0.00%
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
7.96%

"N/A" indicates the product is not offered or the rate is unavailable.

Hoosier Hills Credit Union
Bedford
630 Lincoln Ave
Bedford, IN 47421 2116
Member NCUA
MonitorBankRates
Official Financial Rating
5.0
★★★★★
EXCELLENT
🏆

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Hoosier Hills Credit Union CD Rates

Product Rate APY Term View More
Certificate 5 month special 3.69% 3.75% 5 month
Min Deposit$5,000
Last Updated 02/10/2026
60 month Certificate 3.50% 3.56% 60 month
Min Deposit$10,000
Last Updated 02/10/2026
60 month Certificate 3.25% 3.30% 60 month
Min Deposit$500
Last Updated 02/10/2026
6 month Certificate 2.50% 2.53% 6 month
Min Deposit$10,000
Last Updated 02/10/2026
18 month Certificate 2.35% 2.38% 18 month
Min Deposit$10,000
Last Updated 02/10/2026
6 month Certificate 2.25% 2.27% 6 month
Min Deposit$500
Last Updated 02/10/2026
18 month Certificate 2.10% 2.12% 18 month
Min Deposit$500
Last Updated 02/10/2026
12 month Certificate Save to Win 2.10% 2.12% 12 month
Min Deposit$25
Last Updated 02/10/2026
3 month Certificate 1.20% 1.21% 3 month
Min Deposit$10,000
Last Updated 02/10/2026
3 month Certificate 1.00% 1.00% 3 month
Min Deposit$500
Last Updated 02/10/2026

Hoosier Hills Credit Union Savings Rates

Product Rate APY View More
Savings Account 3.49% 3.55%
Min Balance$5,000
DetailsMinimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply. Dividends are calculated monthly and paid monthly. Rates effective as of 2/10/2026. For balances $500,000 - $999,999.
Last Updated 02/10/2026
Savings Account 3.11% 3.15%
Min Balance$5,000
DetailsMinimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply. Dividends are calculated monthly and paid monthly. Rates effective as of 2/10/2026. For balances $250,000 - $499,999.
Last Updated 02/10/2026
Savings Account 2.15% 2.17%
Min Deposit$250,000
DetailsBalance: $250,000 - Above
Last Updated 02/10/2026
Savings Account 2.15% 2.17%
Min Balance$250,000
DetailsBalance: $250,000 - Above
Last Updated 02/10/2026
Savings Account 1.80% 1.81%
Min Deposit$100,000
DetailsBalance: $100,000 - $249,999
Last Updated 02/10/2026
Savings Account 1.80% 1.81%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999
Last Updated 02/10/2026
Savings Account 1.50% 1.51%
Min Deposit$50,000
DetailsBalance: $50,000 - $99,999
Last Updated 02/10/2026
Savings Account 1.50% 1.51%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated 02/10/2026
Savings Account 1.05% 1.06%
Min Deposit$25,000
DetailsBalance: $25,000 - $49,999
Last Updated 02/10/2026
Savings Account 1.05% 1.06%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated 02/10/2026
Savings Account 0.85% 0.85%
Min Deposit$10,000
DetailsBalance: $10,000 - $24,999
Last Updated 02/10/2026
Savings Account 0.85% 0.85%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999
Last Updated 02/10/2026
Savings Account 0.65% 0.65%
Min Deposit$2,500
DetailsBalance: $2,500 - $9,999
Last Updated 02/10/2026
Savings Account 0.65% 0.65%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999
Last Updated 02/10/2026
Health Savings Account 0.60% 0.60%
Min Deposit$5
Min Balance$0
DetailsRates effective as of 2/10/2026. Rates may change after the account is opened. Dividends are calculated monthly and paid monthly.
Last Updated 02/10/2026
Club Accounts 0.10% 0.10%
Min Balance$0
Details*Fees may reduce earnings on the account. *Rates may change after the account is opened. *$5 minimum balance required to open account. *Dividends are calculated quarterly and paid quarterly. **Club Account rates apply to all Club Accounts, including our retired "Christmas Club" and "Vacation Club" accounts, unless otherwise stated. Rates effective as of 2/10/2026
Last Updated 02/10/2026
Regular Savings 0.10% 0.10%
Min Balance$0
Details*Fees may reduce earnings on the account. *Rates may change after the account is opened. *$5 minimum balance required to open account. *Dividends are calculated quarterly and paid quarterly. Rates effective as of 2/10/2026
Last Updated 02/10/2026
Savings Account 0.05% 0.05%
Min Balance$5,000
DetailsMinimum opening balance and average daily balance to avoid fees and earn dividends is $5,000. Fees may reduce earnings. Rates are subject to change. Not available for Public Funds. Qualification standards may apply. Dividends are calculated monthly and paid monthly. Rates effective as of 2/10/2026. For balances $5,000 - $249,999.
Last Updated 02/10/2026
Goal-Based Savings - 0.00%
Min Balance$0
Details*Fees may reduce earnings on the account. *Rates may change after the account is opened. *$5 minimum balance required to open account. *Dividends are calculated quarterly and paid quarterly. Rates effective as of 2/10/2026
Last Updated 02/10/2026
Savings Account - 0.00%
Min Balance$0
DetailsBalance: $0 - $2,499
Last Updated 02/10/2026

Hoosier Hills Credit Union Checking Rates

Product Rate APY View More
FREE Checking 0.05% 0.05%
Min Balance$1,000
DetailsAverage balance of $1,000 or more
Last Updated 02/10/2026
Smart Spending (Teen Checking) 0.05% 0.05%
Min Balance$1,000
DetailsAverage balance of $1,000 or more
Last Updated 02/10/2026
FREE Checking - 0.00%
DetailsAverage balance of less than $1,000
Last Updated 02/10/2026
Smart Spending (Teen Checking) - 0.00%
DetailsAverage balance of less than $1,000
Last Updated 02/10/2026

Hoosier Hills Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan (2023 & Newer) - - 7.96% 36 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2023 & Newer - - 8.06% 36 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2021) - - 8.20% 48 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2022) - - 8.20% 48 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2021) - - 8.21% 36 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2022) - - 8.21% 36 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2023 & Newer) - - 8.21% 66 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2021 - - 8.55% 36 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2022 - - 8.55% 36 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2023 & Newer - - 8.55% 48 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2021) - - 8.71% 66 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2022) - - 8.71% 66 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2023 & Newer - - 8.76% 60 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2019 - - 8.95% 36 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2020 - - 8.95% 36 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2021 - - 9.06% 48 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2022 - - 9.06% 48 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2019) - - 9.21% 36 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2020) - - 9.21% 36 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2023 & Newer) - - 9.21% 84 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2018 - 2012 - - 9.21% 36 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2011 & Older - - 9.46% 36 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2018 - 2012 - - 9.46% 48 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2021 - - 9.46% 60 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2022 - - 9.46% 60 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2011 & Older - - 9.70% 48 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2021 - - 9.70% 72 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2022 - - 9.70% 72 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2019) - - 9.71% 66 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2020) - - 9.71% 66 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2021) - - 9.71% 84 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2022) - - 9.71% 84 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2023 & Newer - - 9.71% 84 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2018 - 2012 - - 9.96% 60 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2019 - - 9.96% 72 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2020 - - 9.96% 72 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2018 - 2012) - - 10.20% 48 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2018 - 2012) - - 10.21% 36 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2023 & Newer) - - 10.21% 120 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2011 & Older - - 10.21% 60 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2021 - - 10.21% 84 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2022 - - 10.21% 84 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2011 & Older - - 10.46% 72 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2019 - - 10.51% 84 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2020 - - 10.51% 84 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2018 - 2012) - - 10.71% 66 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2021) - - 10.71% 120 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2022) - - 10.71% 120 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2023 & Newer) - - 10.71% 144 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2011 & Older) - - 10.95% 36 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2019) - - 10.96% 84 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2020) - - 10.96% 84 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan 2011 & Older - - 10.96% 84 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2018 - 2012) - - 11.21% 84 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2021) - - 11.21% 144 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2022) - - 11.21% 144 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2011 & Older) - - 11.36% 48 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2019) - - 11.46% 120 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2020) - - 11.46% 120 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2018 - 2012) - - 11.71% 120 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2011 & Older) - - 11.86% 60 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2019) - - 11.96% 144 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2020) - - 11.96% 144 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2018 - 2012) - - 12.21% 144 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2011 & Older) - - 12.36% 72 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2011 & Older) - - 12.72% 120 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026
Auto Loan (2011 & Older) - - 13.22% 144 months
DetailsRate may vary based on credit score.
Last Updated 02/10/2026

Hoosier Hills Credit Union Credit Card Rates

Product Rate Points APR Term View More
VISA Platinum - - 9.90%
Details*9.9% APR is valid for new purchases, balance transfers and cash advances on cash advances on personal HHCU Visa Platinum credit cards as of 2/10/2026. All loans are subject to credit approval. Card rate is based on credit worthiness. Rates subject to change.**A foreign transaction fee may be imposed on transactions processed outside of the United States.
Last Updated 02/10/2026
VISA Gold - - 14.90%
Details*9.9% APR is valid for new purchases, balance transfers and cash advances on cash advances on personal HHCU Visa Platinum credit cards as of 2/10/2026. All loans are subject to credit approval. Card rate is based on credit worthiness. Rates subject to change.**A foreign transaction fee may be imposed on transactions processed outside of the United States.
Last Updated 02/10/2026
VISA Classic - - 17.90%
Details*9.9% APR is valid for new purchases, balance transfers and cash advances on cash advances on personal HHCU Visa Platinum credit cards as of 2/10/2026. All loans are subject to credit approval. Card rate is based on credit worthiness. Rates subject to change.**A foreign transaction fee may be imposed on transactions processed outside of the United States.
Last Updated 02/10/2026

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Hoosier Hills Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Hoosier Hills Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Hoosier Hills Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name: Hoosier Hills Credit Union
Full Time Employees: 182
Part Time Employees: 4
President: Jay Brown
CEO: Travis Markley
Branch Locations: 10
ATM Locations: 11
Corporate Office Address:
630 Lincoln Ave
Bedford, IN 47421 2116
Phone Number: 812-279-6644
Fax Number: 812-279-6639

Financials

Total Assets:
917,087,785
Total Amount of Shares and Deposits:
756,279,897
Total Shares and Deposits < 1 Year:
745,886,209
Total Shares and Deposits 1 3 Years:
8,175,779
Total Shares and Deposits > 3 Years:
2,217,909
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
175,651,843
Total Uninsured Shares and Deposits > $250K (F+J):
175,651,843
Total Insured Shares and Deposits > $250K (item 17 less item K):
580,628,054
Total Interest Expense (Sum of items 6 8):
13,131,638
Share Certificates:
3,604
Number of Accounts for Share Drafts:
27,316
IRA KEOGH Accounts:
1,401
Number of Accounts for Regular Shares:
49,044
All other shares:
566
Non Member Deposits:
1
Money Market Shares:
2,468
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
42,587,628
Total Liabilities:
846,507,474
Show More
Source: NCUA Last Updated 09/30/2025

Customer Reviews

dZkI
★★★★★
December 17, 2025
xcdN
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Hoosier Hills Credit Union
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Frequently Asked Questions About Hoosier Hills Credit Union

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

Yes, to access services at Hoosier Hills Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Hoosier Hills Credit Union provides a range of mortgage and home equity products.

Is Hoosier Hills Credit Union a safe place to deposit money?

Yes, Hoosier Hills Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.

Does Hoosier Hills Credit Union offer online and mobile banking?

Most modern institutions like Hoosier Hills Credit Union provide digital access including online balance checks and transfers.

Current Hoosier Hills Credit Union Rates

ProductAPY
12-Month CD2.12%
18-Month CD2.12%
60-Month CD3.30%
Savings0.00%
Personal Loan7.96%

Rates subject to change.