--- title: "Health Alliance Credit Union Rates (Nov 2026): Vehicle 4.99%" description: "Health Alliance Credit Union has the lowest tracked new-car loan rate in Massachusetts (4.99% APR) among 42 credit unions we verify. Health Alliance Credit Union rates today: vehicle loans from 4.99% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Health Alliance Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/massachusetts/health-alliance" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Health Alliance Credit Union Rates (Nov 2026): Vehicle 4.99% ### Auto & vehicle rates 5 offers | Product | Published | Rate | Term / condition | Status | | **60-Month New Auto Loan** auto_new_60mo | 4.990% APR | 4.990% | 60 mo · new | Standard | | **Used Car Loans (2023,2024)** auto_used_60mo | 5.000% APR | 4.990% | 60 mo · used | Standard | | **Used Car Loans (2020,2021,2022)** auto_used_60mo | — APR | 5.990% | 60 mo · used | Standard | | **Boats/Motorcycles** boat_any_60mo | — APR | 6.500% | 60 mo | Standard | | **Used Car Loans (2018, 2019)** auto_used_60mo | — APR | 6.500% | 60 mo · used | Standard | Health Alliance Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.000% | — | Standard | | **Fast Cash/Pay Day Loan** personal | — APR | 20.000% | — | Standard | Health Alliance Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Holiday/Vacation Club Account** savings | — APY | 0.10% | — | Specialty offer | | **IRA Accumulator** ira | — APY | 0.25% | — | Standard | Health Alliance Credit Union savings & cd rates as of November 13, 2026 Vehicle loans available from 4.99% APR for 60 months. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/massachusetts/health-alliance) , verified from [Health Alliance Credit Union's official website](https://myhacu.org/) Best product position **#1 of 42** new-car loan Gap to state best **0 bp** State market leader Vs. state median **1 bp better than median** new-car loan Products ranked **2** across tracked Massachusetts markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 4.99% | #1 of 42 · lowest in Massachusetts | State market leader | 1 bp better than median | | used-car loan | 5.00% | #1 of 25 · lowest in Massachusetts | State market leader | 99 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Health Alliance Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=health-alliance&state=massachusetts&code=MA&name=Health%20Alliance%20Credit%20Union) Loading branch locator… ## About Health Alliance Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.2K Assets $6.1M Founded 1966 Locations reported 1 NCUA charter 17679 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Financial counseling - Financial education - Bilingual services - Credit-builder products - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Somerville Municipal** Disaster Recovery Site · Somerville · MA · 02143 About 0.4 miles away](https://rateapi.dev/credit-unions/massachusetts/somerville-municipal) [**Naveo** Somerville · Somerville · MA · 02143 About 0.4 miles away](https://rateapi.dev/credit-unions/massachusetts/naveo) [**River Works** Naveo Credit Union · Somerville · MA · 02143 About 0.4 miles away](https://rateapi.dev/credit-unions/massachusetts/river-works) [**Webster First** Cambridge Teachers · Cambridge · MA · 02138 About 0.9 miles away](https://rateapi.dev/credit-unions/massachusetts/webster-first) [**Cambridge Municipal Employees** Cambridge Municipal Employees Federal Credit Union · Cambridge · MA · 02139-3201 About 1.1 miles away](https://rateapi.dev/credit-unions/massachusetts/cambridge-municipal-employees) [**Harvard** Partners' Health · Somerville · MA · 02145-1484 About 1.2 miles away](https://rateapi.dev/credit-unions/massachusetts/harvard) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Health Alliance Credit Union Membership eligibility from Health Alliance Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Health Alliance Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer CHA Verified from [Health Alliance Credit Union's membership page](https://my.homecu.net/fi/hafcu/membership-form.html) . Final membership determination is always made by the credit union. ## Membership rules for Health Alliance Credit Union Employers 2 · Family 2 4 published paths to membership, last verified August 21, 2026, quoted from Health Alliance Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of CHA “CHA Employee” > [source ↗](https://my.homecu.net/fi/hafcu/membership-form.html) - Employee of CHA - Retired employee of CHA “A retiree of CHA” > [source ↗](https://my.homecu.net/fi/hafcu/membership-form.html) - Retiree of CHA ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member family member “Family member of CHA Employee” > [source ↗](https://my.homecu.net/fi/hafcu/membership-form.html) - Family member (family member) of a member - Family of a member relative “Related to Current Member” > [source ↗](https://my.homecu.net/fi/hafcu/membership-form.html) - Family member (relative) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Health Alliance Credit Union? Yes No ## Work at Health Alliance Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Health Alliance Credit Union ranks against Massachusetts peers. - See which AI assistants fetched Health Alliance Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Massachusetts - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=health-alliance&state=massachusetts&code=MA&name=Health%20Alliance%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Health Alliance Credit Union offer? Health Alliance Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Health Alliance Credit Union rates updated? RateAPI verifies Health Alliance Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Health Alliance Credit Union's rate data? Rate data is collected directly from Health Alliance Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Health Alliance Credit Union's auto & boat loan rates? As of November 13, 2026, Health Alliance Credit Union offers vehicle loans from 4.99% APR. ### Who can join Health Alliance Credit Union? Health Alliance Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 2 employers for Health Alliance Credit Union, each quoted from Health Alliance Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Health Alliance Credit Union's rates against national credit-union benchmarks. [More Massachusetts credit unions](https://rateapi.dev/credit-unions/massachusetts) [Massachusetts auto loan rate leaders](https://rateapi.dev/auto-loan-rates/massachusetts) [Massachusetts personal loan leaders](https://rateapi.dev/personal-loan-rates/massachusetts) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://myhacu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Health Alliance Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Massachusetts credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Health Alliance Credit Union curl "https://api.rateapi.dev/credit-unions/massachusetts /health-alliance " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Health Alliance Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/massachusetts/health-alliance Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp