Credit union · NCUA insured
Healthcare Plus Federal Credit Union CD Rates
Healthcare Plus Federal Credit Union’s best CD rate is 3.90% APY on a 17-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Healthcare Plus Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Aberdeen, SD, where Healthcare Plus Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Healthcare Plus Federal Credit Union
3.75%APY
- Term
- 17 months
- Minimum
- $500
- Earns on $10,000
- $535
Certificate Specials
Top rate
Dakotaland Federal Credit Union
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
CorTrust Bank
4.30%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,346
Healthcare Plus Federal Credit Union CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo3.02%
- 9–15 months9–15 mo3.66%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.20%
- QualifiedQualified3.75%
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 Plus Federal 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.
Certificate Specials
Up to 3.75%APY · 2 terms
$500 minimum. Penalty for early withdrawal. IRAs earn a higher rate of 0.25%.
| Term | APY · Up to $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 11 monthsOver $50k. Penalty for early withdrawal | — | 3.81% | —3.81% from $50k | — |
| 11 monthsUnder $50k. Penalty for early withdrawal | 3.66% | — | 3.66% | $335 |
| 17 monthsOver $50k. Penalty for early withdrawal | — | 3.90% | —3.90% from $50k | — |
| 17 monthsUnder $50k. Penalty for early withdrawal | 3.75% | — | 3.75% | $535 |
Sources (2)
All captured Oct 15, 2026
Share Certificates
Up to 3.20%APY · 5 terms
May be purchased for $100 or more. Special terms/higher rates may apply. Higher balance certificates ($200,000+) may qualify for a higher rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.02% | $150 |
| 12 months | 3.20% | $320 |
| 18 months | 3.20% | $484 |
| 24 months | 3.20% | $650 |
| 36 months | 3.20% | $991 |
Sources (2)
All captured Oct 15, 2026
Certificate Plus
3.00%APY · 1 term
Option to increase rate once during term. Higher balance certificates qualify for an increase on all certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsOption to increase rate once during term. Higher balance certificates qualify for an increase on all certificates | 3.00% | $1,593 |
Sources (2)
All captured Oct 15, 2026
Who can join Healthcare Plus Federal 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 persons who live, work, worship, attend school, own property, or own a business in 22 designated counties in Northeast South Dakota and Southeast North Dakota.
Family and household
- Membership is open to immediate family members of current Healthcare Plus Federal Credit Union members.
Membership information collected October 4, 2026.