--- title: "Health Advantage Credit Union Rates: Mortgage 7.46%, Personal 11.90%" description: "Health Advantage Credit Union rates today: 30 year fixed mortgage 7.46% APR, personal loans from 11.90% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Health Advantage Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/health-advantage" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Health Advantage Credit Union Rates: Mortgage 7.46%, Personal 11.90% ### Mortgage rates 6 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.460% APR | 7.250% | — | Standard | | **15-Year Fixed** 15 year fixed | 7.340% APR | 7.000% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.530% APR | 7.250% | — | Standard | | **10-Year Fixed** 10 year fixed | 7.600% APR | 7.125% | — | Standard | | **61 Months - 84 Months** other | 6.990% APR | 6.990% | — | Standard | | **85 Months - 180 Months (2021+)** other | 7.990% APR | 7.990% | — | Standard | Health Advantage Credit Union mortgage rates as of November 13, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Fixed Rate Revolving Line of Credit 2** ploc_variable | 11.900% APR | 11.900% | — | Standard | Health Advantage Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | 8.900% APR | 8.900% | — | Standard | | **VISA Platinum Rewards Credit Card** credit_card_rewards | 9.900% APR | 9.900% | — | Standard | Health Advantage Credit Union credit card rates as of November 13, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Over 80% LTV** other | 2.000% % | 2.000% | — | Standard | | **80% LTV** other | 4.500% % | 4.500% | — | Standard | | **Up to 80% LTV** other | 6.250% % | 6.250% | — | Standard | Health Advantage Credit Union other rates as of November 13, 2026 As of November 13, 2026, Health Advantage Credit Union offers a 30-year fixed mortgage at 7.46% APR. Personal loan rates from 11.9% APR. Credit card rates from 8.9% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/health-advantage) , verified from [Health Advantage Credit Union's official website](https://www.healthadvantagecu.com/) Best product position **Room to improve vs. the Michigan median** 15-year fixed mortgage Gap to state best **73 bp** 73 bp from state best Vs. state median **73 bp behind median** 15-year fixed mortgage Products ranked **3** across tracked Michigan markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.46% | Room to improve vs. the Michigan median | 82 bp from state best | 39 bp behind median | | personal loan | 11.90% | Room to improve vs. the Michigan median | 940 bp from state best | 191 bp behind median | | 15-year fixed mortgage | 7.34% | Room to improve vs. the Michigan median | 73 bp from state best | 73 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Health Advantage 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-advantage&state=michigan&code=MI&name=Health%20Advantage%20Credit%20Union) Loading branch locator… ## About Health Advantage Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 10.6K Assets $179.4M Founded 1970 Locations reported 3 NCUA charter 20007 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Student scholarships - 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. [**Lake Huron** Shattuck Branch · Saginaw · MI · 48603 About 0.5 miles away](https://rateapi.dev/credit-unions/michigan/lake-huron) [**Wildfire** Heritage High School Branch (Restricted Access) · Saginaw · MI · 48603-1863 About 0.7 miles away](https://rateapi.dev/credit-unions/michigan/wildfire) [**Lake Michigan** Saginaw · Saginaw · MI · 48603 About 1.6 miles away](https://rateapi.dev/credit-unions/michigan/lake-michigan) [**Jolt** Main Office · Saginaw · MI · 48603 About 1.6 miles away](https://rateapi.dev/credit-unions/michigan/jolt) [**Team One** SAGINAW TOWNSHIP · SAGINAW · MI · 48603 About 1.7 miles away](https://rateapi.dev/credit-unions/michigan/team-one) [**Financial Plus** WCU - Shattuck Branch · Saginaw · MI · 48603-3075 About 1.8 miles away](https://rateapi.dev/credit-unions/michigan/financial-plus) 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 Advantage Credit Union Membership eligibility from Health Advantage Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Health Advantage Credit Union's website. Check the membership page below to confirm whether you qualify. - Location MI - Employer Healthcare Industry Verified from [Health Advantage Credit Union's membership page](https://www.healthadvantagecu.com/BecomeAMember) . Final membership determination is always made by the credit union. ## Membership rules for Health Advantage Credit Union Employers 4 · Family 2 6 published paths to membership, last verified November 8, 2026, quoted from Health Advantage Credit Union’s own published criteria. ### Employers 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of Health Advantage Credit Union “employees of the credit union” > [source ↗](https://www.healthadvantagecu.com/BecomeAMember) - Employee of Health Advantage Credit Union - Retired employee of health care industry “retirees from the healthcare industry” > [source ↗](https://www.healthadvantagecu.com/BecomeAMember) - Retiree of health care industry - Employee of health care industry - Lives in state:MI “Health Advantage Credit Union offers a wide range of financial services to employees, independent contractors, or self-employed persons who regularly work in the Healthcare Industry in the State of Michigan.” > [source ↗](https://www.healthadvantagecu.com/becomeamember) - Employee of health care industry and Lives in MI - Contractor of health care industry - Lives in state:MI “Health Advantage Credit Union offers a wide range of financial services to employees, independent contractors, or self-employed persons who regularly work in the Healthcare Industry in the State of Michigan.” > [source ↗](https://www.healthadvantagecu.com/becomeamember) - Contractor for health care industry and Lives in MI ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family Of Deceased surviving spouse “Also, spouses of persons who have died while within the Healthcare Industry” > [source ↗](https://www.healthadvantagecu.com/BecomeAMember) - Family member (surviving spouse) of a deceased eligible person - Family of a member immediate family “members of their immediate families or households” > [source ↗](https://www.healthadvantagecu.com/BecomeAMember) - Family member (immediate family) 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 Advantage Credit Union? Yes No ## Work at Health Advantage 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 Advantage Credit Union ranks against Michigan peers. - See which AI assistants fetched Health Advantage Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=health-advantage&state=michigan&code=MI&name=Health%20Advantage%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Health Advantage Credit Union offer? Health Advantage Credit Union currently offers mortgage, personal loan, and credit card 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 Advantage Credit Union rates updated? RateAPI verifies Health Advantage 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 Advantage Credit Union's rate data? Rate data is collected directly from Health Advantage Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Health Advantage Credit Union's mortgage rate? As of November 13, 2026, Health Advantage Credit Union offers a 30-year fixed mortgage at 7.46% APR. ### What is Health Advantage Credit Union's personal loan rate? As of November 13, 2026, Health Advantage Credit Union offers personal loans from 11.9% APR. ### Who can join Health Advantage Credit Union? Health Advantage Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 4 employers for Health Advantage Credit Union, each quoted from Health Advantage Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Health Advantage Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan mortgage rate leaders](https://rateapi.dev/mortgage-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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://www.healthadvantagecu.com/) ### 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 Advantage Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan 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 Advantage Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /health-advantage " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Health Advantage Credit Union locations Search, filter, and browse all 3 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/michigan/health-advantage Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp