Credit union · NCUA insured
HCP Credit Union Credit Card Rates
HCP Credit Union credit card rates start at 12.99% APR. Rates checked October 15, 2026.
How HCP Credit Union’s credit card rates compare
Compared with banks and credit unions near Richmond, IN, where HCP Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
HCP Credit Union
– –
No ongoing APR published
Lowest rate
Kemba Credit Union
9.90%APR
2nd-lowest rate
Perfect Circle Credit Union
11.75%APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Rewards Credit Card
Rate based on creditworthiness. Fixed rate. No annual fee. No balance transfer fee. 1% cash back rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99%–17.99% | None | Standard fixed rate based on creditworthiness. Applies after promotional period ends or as standard rate as low as 12.99% APR. |
Sources (4)
All captured Oct 15, 2026
Who can join HCP Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Anyone who works in the health care profession in Wayne, Fayette, Rush, Henry, Union, Franklin, or Randolph County, IN, or Darke or Preble County, OH is eligible to join.
Family and household
- Members of the household of current credit union members are eligible to join.
- Immediate family members (spouses, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, and adopted relations) of current credit union members are eligible to join.
Membership information collected October 5, 2026.