Credit union · NCUA insured
Health Advantage Credit Union CD Rates
Top CarrotHealth Advantage Credit Union’s best CD rate is 4.50% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Health Advantage Credit Union’s CD rates compare
Compared with banks and credit unions near Saginaw, MI, where Health Advantage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Health Advantage Credit Union
4.50%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $336
Promotional Certificate
2nd-highest rate
Dow Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $488
3rd-highest rate
Family First Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $566
Health Advantage Credit Union CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.40%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.65%
- QualifiedQualified4.50%
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 Health Advantage Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Promotional Certificate
Up to 4.50%APY · 2 terms
Promotional Certificate. Membership required ($5 minimum deposit). Maximum deposit $100,000. Only one account allowed per primary member SSN. Upon maturity, promotional certificate renews at the next lowest regular certificate term and rate (7 Month renews as regular 6 Month Certificate; 9 Month renews as regular 6 Month Certificate).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsPromotional certificate. Renews as regular 6 Month Certificate upon maturity. Maximum balance $100,000 | 4.40% | $254 |
| 9 monthsMust be opened with new money (deposits not previously or currently held at Health Advantage Federal Credit Union). Renews as regular 6 Month Certificate upon maturity. Maximum balance $100,000 | 4.50% | $336 |
Sources (2)
All captured Oct 5, 2026
Share Certificate
Up to 3.65%APY · 6 terms
Membership required ($5 minimum deposit). Fixed rate. Dividends compounded and credited monthly; daily balance method. Penalty may apply for early withdrawal. Automatically renewable with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: 90-day dividend penalty for terms <= 365 days | 3.50% | $173 |
| 12 monthsEarly withdrawal penalty: 90-day dividend penalty for terms <= 365 days | 3.60% | $360 |
| 24 monthsEarly withdrawal penalty: 180-day dividend penalty for terms > 365 days | 3.60% | $733 |
| 36 monthsEarly withdrawal penalty: 180-day dividend penalty for terms > 365 days | 3.60% | $1,119 |
| 48 monthsEarly withdrawal penalty: 180-day dividend penalty for terms > 365 days | 3.60% | $1,520 |
| 60 monthsEarly withdrawal penalty: 180-day dividend penalty for terms > 365 days | 3.65% | $1,963 |
Sources (3)
- healthadvantagecu.com/files/he…Charges%2010.01.2026.pdf
- healthadvantagecu.com/ShareCertificates
- healthadvantagecu.com/rates
All captured Oct 5, 2026
Smart Savers Certificate
3.60%APY · 2 terms
Allows unlimited additional flex deposits during the term. Only one account allowed per primary member SSN. Membership required ($5 minimum deposit). One withdrawal allowed with a $25 penalty; if balance falls below minimum or second withdrawal occurs, certificate is terminated. Automatically renews if balance is $25 or greater.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate. Allows unlimited deposits during the term | 3.60% | $360 |
| 24 monthsFixed rate. Allows unlimited deposits during the term | 3.60% | $733 |
Special-purpose accounts
Youth Share Certificate
3.75%APY · 1 term
Primary account owner must be under the age of 21. Only one account allowed per primary member SSN. Membership required ($5 minimum deposit). Dividends transferred monthly to Primary Savings account; only principal renews. Upon maturity at age 21, principal renews as a 6 Month share certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsMaximum balance $1,000. Accrued dividends transferred to Primary Savings monthly | 3.75% | — |
Sources (3)
- healthadvantagecu.com/files/he…Charges%2010.01.2026.pdf
- healthadvantagecu.com/bank/personal-savings-accounts
- healthadvantagecu.com/rates
All captured Oct 5, 2026
IRA Share Certificate
Up to 3.65%APY · 6 terms
Available as Traditional or Roth IRA. Membership required ($5 minimum deposit). Fixed rate. Dividends compounded and credited monthly; daily balance method. Penalty may apply for early withdrawal (and IRS penalties for early withdrawal before age 59 1/2). Automatically renewable with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: 90-day dividend penalty for terms <= 365 days | 3.50% | $173 |
| 12 monthsEarly withdrawal penalty: 90-day dividend penalty for terms <= 365 days | 3.60% | $360 |
| 24 monthsEarly withdrawal penalty: 180-day dividend penalty for terms > 365 days | 3.60% | $733 |
| 36 monthsEarly withdrawal penalty: 180-day dividend penalty for terms > 365 days | 3.60% | $1,119 |
| 48 monthsEarly withdrawal penalty: 180-day dividend penalty for terms > 365 days | 3.60% | $1,520 |
| 60 monthsEarly withdrawal penalty: 180-day dividend penalty for terms > 365 days | 3.65% | $1,963 |
Who can join Health Advantage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the credit union are eligible to join.
- Employees, independent contractors, or self-employed individuals who regularly work in the Healthcare Industry in the State of Michigan are eligible for membership.
- Retirees from the healthcare industry are eligible to join.
Family and household
- Members of immediate families or households of eligible persons may join.
Other ways
- Organizations of such eligible persons may join the credit union.
- Spouses of persons who have died while within the Healthcare Industry are eligible to join.
Cost to join
- A minimum deposit balance of $5.00 is required to open a share savings account; there is no membership fee.
Membership information collected October 5, 2026.