Credit union · NCUA insured
HCP Credit Union Savings Rates
HCP Credit Union’s best savings rate is 0.25% APY on $10,000, with its Basic Share Savings Account. Rates checked October 15, 2026.
How HCP Credit Union’s savings rates compare
Compared with banks and credit unions near Richmond, IN, where HCP Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
HCP Credit Union
0.25%APY
- Minimum
- $5
- Earns on $10,000 a year
- $25
Basic Share Savings Account
Top rate
Merchants Bank
3.75%APY
- Minimum
- $50
- Earns on $10,000 a year
- $375
2nd-highest rate
Kemba Credit Union
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
HCP Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where HCP Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Basic Share Savings Account
0.25%APY
A $5.00 minimum balance must be maintained at all times to ensure access to all of the services and benefits that the credit union offers.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Balance < $1000 | 0.05% | — | Balance < $1000 |
| $1,000 and upBalance > $1000 | 0.25% | $25 | Balance > $1000 |
Special-purpose accounts
IRA - Retirement Account
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Balance < $500 | 0.10% | — | Balance < $500 |
| $500 and upBalance > $500 | 0.30% | $30 | Balance > $500 |
Christmas Savings Account
0.25%APY
There is a $2 early withdrawal penalty prior to October 1st - December 31st.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
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This may be incomplete or out of date, so check with the credit union before you apply.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.