Credit union · NCUA insured
Healthcare Plus Federal Credit Union Savings Rates
Healthcare Plus Federal Credit Union’s best savings rate is 0.60% APY on $10,000, with its Super Share. Rates checked October 22, 2026.
How Healthcare Plus Federal Credit Union’s savings 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
0.60%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $60
Super Share
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
Dacotah Bank
1.50%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $150
Healthcare Plus Federal Credit Union savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0001.51%
- QualifiedQualified0.60%
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 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.
Super Share
0.60%APY
Account rates based on tiered balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $5,000Required balance: $1,000 to $4,999.99. | 0.25% | — | Required balance: $1,000 to $4,999.99. |
| $5,000 – $10,000Required balance: $5,000 to $9,999.99. | 0.45% | — | Required balance: $5,000 to $9,999.99. |
| $10,000 – $25,000Required balance: $10,000 to $24,999.99. | 0.60% | $60 | Required balance: $10,000 to $24,999.99. |
| $25,000 – $50,000Required balance: $25,000 to $49,999.99. | 0.75% | — | Required balance: $25,000 to $49,999.99. |
| $50,000 – $100,000Required balance: $50,000 to $99,999.99. | 1.00% | — | Required balance: $50,000 to $99,999.99. |
| $100,000 and upRequired balance: $100,000 and above. | 1.51% | — | Required balance: $100,000 and above. |
Sources (1)
- hcpfcu.coop/resources/rates · captured Oct 15, 2026
Super Shares
0.60%APY
Super Shares pay a higher dividend rate, similar to a money market account. Minimum balance $1,000. Higher dividend rate for balances over $5,000, $10,000, $25,000, $50,000, and $100,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $5,000 | 0.25% | — |
| $5,000 – $10,000 | 0.45% | — |
| $10,000 – $25,000 | 0.60% | $60 |
| $25,000 – $50,000 | 0.75% | — |
| $50,000 – $100,000 | 1.00% | — |
| $100,000 and up | 1.51% | — |
Sources (1)
- hcpfcu.coop/checking-savings/savings · captured Oct 15, 2026
Savings Account / Share Account
0.35%APY
With a Share Account, each deposit is eligible to earn a very competitive dividend rate that is paid quarterly. Available once share balances reach $25.00. Unlimited deposits or withdrawals. ATM Card available. Free Voice Teller and Internet Banking.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.10% | — |
| $1,000 – $10,000 | 0.25% | — |
| $10,000 and up | 0.35% | $35 |
Sources (1)
- hcpfcu.coop/checking-savings/savings · captured Oct 15, 2026
Special-purpose accounts
Club 18
2.78%APY
Our Club 18 program offers a way for students, parents and grandparents to save for education. Open at any age and the Club 18 matures when the child turns 18 years old. Deposits can be any amount. Early withdrawal may be allowed. Speak with a staff member for details.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarly withdrawal may be allowed. Speak with a staff member for details.Any balance | 2.78% | $278 | Early withdrawal may be allowed. Speak with a staff member for details. |
Sources (1)
- hcpfcu.coop/checking-savings/ira-educational-savings · captured Oct 15, 2026
IRA Shares
1.76%APY
Traditional or Roth IRA options. Choose between savings or certificate options. Maximum annual contributions apply. Funds are insured separate from other savings up to $250,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.75% | — |
| $1,000 – $5,000 | 1.00% | — |
| $5,000 – $10,000 | 1.26% | — |
| $10,000 and up | 1.76% | $176 |
Sources (1)
- hcpfcu.coop/checking-savings/ira-educational-savings · captured Oct 15, 2026
Christmas Club
0.35%APY
Our Christmas Club pays a higher dividend rate than a Share Account and helps you save for Christmas shopping. Make monthly, semi-monthly, bi-weekly, or weekly direct deposits. Funds available on November 1 of each year. Projected for 2026 - Penalty for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Projected for 2026 - Penalty for early withdrawal | 0.50% | — | Projected for 2026 - Penalty for early withdrawal |
| $5,000 and upProjected for 2026 - Penalty for early withdrawal | 0.35% | $35 | Projected for 2026 - Penalty for early withdrawal |
Sources (1)
- hcpfcu.coop/checking-savings/savings · 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.