Credit union · NCUA insured
HPC Credit Union Savings Rates
Top CarrotHPC Credit Union’s best savings rate is 1.16% APY on $10,000, with its Preferred Shares. Rates checked October 16, 2026.
How HPC Credit Union’s savings 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
1.16%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $116
Preferred Shares
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Northland Area FCU
1.66%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $166
HPC Credit Union savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0001.11%
- $10,000 balance$10,0001.16%
- $100,000 balance$100,0001.26%
- QualifiedQualified1.16%
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 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.
Preferred Shares
1.16%APY
No minimum, no restrictions, no fees. The more you deposit, the better the rate. Must maintain minimum balance stated to earn APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Must maintain minimum balance stated to earn APY. | 1.11% | — | Must maintain minimum balance stated to earn APY. |
| $5,000 – $25,000Must maintain minimum balance stated to earn APY. | 1.16% | $116 | Must maintain minimum balance stated to earn APY. |
| $25,000 – $75,000Must maintain minimum balance stated to earn APY. | 1.21% | — | Must maintain minimum balance stated to earn APY. |
| $75,000 and upMust maintain minimum balance stated to earn APY. | 1.26% | — | Must maintain minimum balance stated to earn APY. |
Primary Share
0.10%APY
Must maintain minimum balance stated to earn APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust maintain minimum balance stated to earn APY.$5 and up | 0.10% | $10 | Must maintain minimum balance stated to earn APY. |
Special Share Account
0.10%APY
Helps keep funds separate but in the same account to save for something special. Must maintain minimum balance stated to earn APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust maintain minimum balance stated to earn APY.Any balance | 0.10% | $10 | Must maintain minimum balance stated to earn APY. |
Special-purpose accounts
Health Savings Account (HSA)
5.10%APY
Must maintain minimum balance stated to earn APY. Check with health insurance provider to see if you qualify to open an HSA account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust maintain minimum balance stated to earn APY.Any balance | 5.10% | $510 | Must maintain minimum balance stated to earn APY. |
Premier IRA
4.07%APY
Available for new and existing Traditional and Roth IRA accounts. Must have a checking account with HPC and at least one direct deposit (i.e. payroll, social security, etc.). For joint accounts, eligible if at least one joint shareholder has direct deposit. Direct deposit does not have to go into the checking account. Eligibility monitored at least annually; accounts failing to meet requirements convert to standard IRA rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust have an HPC checking account and at least one direct deposit. Applies to Premier Traditional IRA and Premier Roth IRA.Any balance | 4.07% | $407 | Must have an HPC checking account and at least one direct deposit. Applies to Premier Traditional IRA and Premier Roth IRA. |
Individual Retirement Account (IRA) Share
2.02%APY
Available as Traditional IRA, Roth IRA, and Coverdell IRA. Must maintain minimum balance stated to earn APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional IRA, Roth IRA, and Coverdell IRA share accounts. Must maintain minimum balance stated to earn APY.Any balance | 2.02% | $202 | Applies to Traditional IRA, Roth IRA, and Coverdell IRA share accounts. Must maintain minimum balance stated to earn APY. |
Vacation Account
0.10%APY
Must maintain minimum balance stated to earn APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust maintain minimum balance stated to earn APY.Any balance | 0.10% | $10 | Must maintain minimum balance stated to earn APY. |
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.