Credit union · NCUA insured
HPC Credit Union CD Rates
Top CarrotHPC Credit Union’s best CD rate is 4.07% APY on a 6-month share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How HPC Credit Union’s CD rates compare
Compared with banks and credit unions near Alpena, MI, where HPC Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
HPC Credit Union
4.07%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $201
Government Certificate of Deposit
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Wolverine State Credit Union
4.45%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $332
HPC Credit Union CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo4.07%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo4.07%
- QualifiedQualified4.07%
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 HPC 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.
Government Certificate of Deposit
4.07%APY · 4 terms
Account eligibility requirements apply. Minimum balance must be maintained to earn stated APY. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.07% | $201 |
| 12 months | 4.07% | $407 |
| 18 months | 4.07% | $617 |
| 24 months | 4.07% | $831 |
Sources (1)
- hpccu.com/rates · captured Oct 5, 2026
Certificate of Deposit
Up to 3.80%APY · 4 terms
Penalty may be imposed for early withdrawal. Must maintain minimum balance to earn stated APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty may be imposed for early withdrawal. Must maintain minimum balance stated to earn APY | 2.02% | $100 |
| 12 monthsPenalty may be imposed for early withdrawal. Must maintain minimum balance stated to earn APY | 3.04% | $304 |
| 18 monthsPenalty may be imposed for early withdrawal. Must maintain minimum balance stated to earn APY | 3.55% | $537 |
| 24 monthsPenalty may be imposed for early withdrawal. Must maintain minimum balance stated to earn APY | 3.80% | $774 |
Special-purpose accounts
Non-Profit Certificate of Deposit
4.07%APY · 4 terms
Account eligibility requirements apply. Minimum balance must be maintained to earn stated APY. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.07% | $201 |
| 12 months | 4.07% | $407 |
| 18 months | 4.07% | $617 |
| 24 months | 4.07% | $831 |
Sources (1)
- hpccu.com/rates · captured Oct 5, 2026
Youth Certificate
Up to 3.80%APY · 4 terms
Penalty may be imposed for early withdrawal. Must maintain minimum balance to earn stated APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty may be imposed for early withdrawal. Must maintain minimum balance stated to earn APY | 2.02% | $100 |
| 12 monthsPenalty may be imposed for early withdrawal. Must maintain minimum balance stated to earn APY | 3.04% | $304 |
| 18 monthsPenalty may be imposed for early withdrawal. Must maintain minimum balance stated to earn APY | 3.55% | $537 |
| 24 monthsPenalty may be imposed for early withdrawal. Must maintain minimum balance stated to earn APY | 3.80% | $774 |
Who can join HPC Credit Union
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.
Membership information collected October 5, 2026.