Credit union · NCUA insured
HPC Credit Union Credit Card Rates
Top CarrotHPC Credit Union credit cards start at 9.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How HPC Credit Union’s credit card rates compare
Compared with banks and credit unions near Alpena, MI, where HPC Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
HPC Credit Union
9.00%APR
- Up to
- —
VISA Platinum
2nd-lowest rate
Wolverine State Credit Union
11.50%APR
- Up to
- —
3rd-lowest rate
Nicolet National Bank
11.90%APR
- Up to
- 23.90% APR
HPC Credit Union credit card score
88
Credit card score
Higher than 81% of U.S. banks and credit unions
- Purchase APRPurchase APR9.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HPC Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Classic
Rates and credit limit amounts are based on creditworthiness. Must qualify for membership at the credit union and maintain a share balance of $5.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00% | None | Maximum Availability is $5,000. Rates and credit limit amounts are based on creditworthiness; must qualify for membership and maintain a share balance of $5.00. |
Sources (1)
- hpccu.com/credit-cards · captured Oct 7, 2026
VISA Gold
Rates and credit limit amounts are based on creditworthiness. Must qualify for membership at the credit union and maintain a share balance of $5.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.00% | None | Maximum availability is $7,500. Rates and credit limit amounts are based on creditworthiness; must qualify for membership and maintain a share balance of $5.00. |
Sources (1)
- hpccu.com/credit-cards · captured Oct 7, 2026
VISA Platinum
Rates and credit limit amounts are based on creditworthiness. Must qualify for membership at the credit union and maintain a share balance of $5.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.00% | None | Maximum availability is $10,000. Rates and credit limit amounts are based on creditworthiness; must qualify for membership and maintain a share balance of $5.00. |
Sources (1)
- hpccu.com/credit-cards · captured Oct 7, 2026
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.