Credit union · NCUA insured
HPC Credit Union
Top CarrotA $171M credit union headquartered in Alpena, MI, with 7,590 members and 3 branches in Michigan. Best rates: CDs 4.07% and savings 1.16% APY.
HPC Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#1 of 7 in Alpena, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About HPC Credit Union
HPC Credit Union operates three locations, with two branch locations in Alpena and one in Mio, Michigan.
- Headquarters
- 1234 W Chisholm St, Alpena, MI 49707
- NCUA charter
- 62219
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People who live, work, worship, own real estate or attend school in the Michigan counties of Luce, Chippewa, Mackinac, Emmet, Cheboygan, Charlevoix, Presque Isle, Antrim, Otsego, Montmorency, Alpena, Crawford, Oscoda, Alcona, Roscommon, Ogemaw, and Iosco can join H.P.C. Credit Union.
Family and household
- Immediate families of persons eligible by geographic connection to the specified Michigan counties or members can join H.P.C. Credit Union.
Branches
3 branches in Michigan
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Michigan
3 branches
Alpena area · 2
- H.P.C. Credit Union - Main OfficeMain office1234 W Chisholm St, Alpena, MI 49707Directions
- H.P.C. Credit Union - Branch Office #1300 S Ripley Blvd, Alpena, MI 49707Directions
Mio area · 1
- H.P.C. Credit Union - Branch Office #3308 N Morenci Ave, Mio, MI 48647Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.63% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.86% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.84% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio13.63%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.86%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.84%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of HPC Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.