Credit union · NCUA insured
HealthCare Associates Credit Union CD Rates
HealthCare Associates Credit Union’s best CD rate is 4.50% APY on a 13-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How HealthCare Associates Credit Union’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where HealthCare Associates Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
HealthCare Associates Credit Union
4.30%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $467
Certificates
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
HealthCare Associates Credit Union CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo1.40%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo2.90%
- QualifiedQualified4.30%
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 HealthCare Associates 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.
Certificates
Up to 4.30%APY · 7 terms
$500 minimum to open an account. Compounded monthly, paid monthly. Penalties apply for early withdrawal. Rates effective as of 10/01/2026.
| Term | APY · $500 – $24,999 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 1.40% | 1.60% | 1.40%1.60% from $25k | $70 |
| 12 months | 2.20% | 2.40% | 2.20%2.40% from $25k | $220 |
| 13 monthsAt maturity, 13-month certificates will automatically renew for a term of 12 months at the prevailing rate. Limited Time Offer | 4.30% | 4.50% | 4.30%4.50% from $25k | $467 |
| 24 monthsAt maturity, 2-Year certificates will automatically renew for a term of 24 months at the prevailing rate. Limited Time Offer | 3.80% | 4.00% | 3.80%4.00% from $25k | $774 |
| 36 months | 2.70% | 2.80% | 2.70%2.80% from $25k | $832 |
| 48 months | 2.80% | 2.90% | 2.80%2.90% from $25k | $1,168 |
| 60 months | 2.90% | 3.00% | 2.90%3.00% from $25k | $1,537 |
Sources (3)
- hacu.org/promotions/certificate-promotion
- hacu.org/accounts/savings-investments
- hacu.org/assets/1/6/currentrates-savings.pdf
All captured Oct 6, 2026
Special-purpose accounts
IRAs & Coverdell ESAs
Up to 3.80%APY · 5 terms
$500 minimum to open an account. Compounded monthly, paid monthly. Penalties apply for early withdrawal: 180 days dividends for terms 6 months to 3 years, 360 days dividends for terms 4 to 5 years, calculated on the amount withdrawn. Rates effective as of 10/01/2026. Traditional IRAs, Roth IRAs, and Coverdell ESAs available.
| Term | APY · $500 – $24,999 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 2.20% | 2.40% | 2.20%2.40% from $25k | $220 |
| 24 months | 3.80% | 4.00% | 3.80%4.00% from $25k | $774 |
| 36 months | 2.70% | 2.80% | 2.70%2.80% from $25k | $832 |
| 48 months | 2.80% | 2.90% | 2.80%2.90% from $25k | $1,168 |
| 60 monthsAt the time of maturity, the IRA will automatically renew for a term of 60 months at the prevailing rate. Limited Time Offer | 2.90% | 3.00% | 2.90%3.00% from $25k | $1,537 |
Sources (2)
All captured Oct 6, 2026
Who can join HealthCare Associates Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who resides or works in the defined Des Plaines Area community charter.
- Membership is open to anyone who resides or works in the defined DuPage County community charter area.
- Membership is open to anyone who resides or works in the defined Oak Lawn Area community charter.
Employers and groups
- Membership is open to individuals who work for or belong to an eligible healthcare association.
Family and household
- Membership is open to individuals who have an immediate family or household member who is a current member.
Other ways
- Membership is open to individuals who make a donation to Credit Unions for Kids (CU4Kids).
Membership information collected October 5, 2026.