--- title: "H.p.c. Credit Union Rates (Nov 2026): CDs to 3.80%" description: "H.p.c. Credit Union rates today: savings & CDs up to 3.80% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join H.p.c. Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/hpc" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # H.p.c. Credit Union Rates (Nov 2026): CDs to 3.80% ### Mortgage rates 5 offers | Product | Published | Rate | Term / condition | Status | | **15-Year Fixed** 15 year fixed | — APR | 5.500% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 5.250% | — | Standard | | **5/5 ARM** 5 5 arm | — APR | 5.250% | — | Standard | | **Adjustable Rate 7/5 (ARM)** arm | — APR | 5.750% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 5.750% | — | Standard | H.p.c. Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | — APR | 4.950% | new | Standard | | **Used Auto Loan** auto_used | — APR | 4.950% | used | Standard | | **Used RV Loan** rv_used | — APR | 6.500% | used | Standard | | **New RV Loan** rv_new | — APR | 6.500% | new | Standard | H.p.c. Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 2.500% | — | Standard | H.p.c. Credit Union personal loan rates as of November 12, 2026 ### Student loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Student Loan** student | — APR | 5.500% | — | Standard | H.p.c. Credit Union student loan rates as of November 12, 2026 ### Savings & CD rates 18 offers | Product | Published | Rate | Term / condition | Status | | **VACATION ACCOUNT** savings | 0.10% APY | 0.10% | — | Context only | | **BUSINESS SHARE DRAFT** checking | 1.11% APY | 1.11% | — | Eligibility restricted | | **BUS PREFERRED SHARE** savings | 1.11% APY | 1.11% | — | Context only | | **6 MONTH YOUTH CD** cd_6mo | 2.02% APY | 2.02% | 6 mo | Eligibility restricted | | **6-Month Certificate** cd_6mo | 2.02% APY | 2.02% | 6 mo | Standard | | **COVERDELL IRA SHARE** ira | 2.02% APY | 2.02% | — | Context only | | **12 MONTH YOUTH CD** cd_12mo | 3.04% APY | 3.04% | 12 mo | Eligibility restricted | | **12-Month Certificate** cd_12mo | 3.04% APY | 3.04% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | 3.55% APY | 3.55% | 18 mo | Standard | | **18 MONTH YOUTH CD** cd_18mo | 3.55% APY | 3.55% | 18 mo | Eligibility restricted | | **24 MONTH YOUTH CD** cd_24mo | 3.80% APY | 3.80% | 24 mo | Eligibility restricted | | **24-Month Certificate** cd_24mo | 3.80% APY | 3.80% | 24 mo | Standard | | **12 MO GOVERNMENT CD** cd_12mo | 4.07% APY | 4.07% | 12 mo | Eligibility restricted | | **18 MO NON-PROFIT CD** cd_18mo | 4.07% APY | 4.07% | 18 mo | Eligibility restricted | | **24 MO NON-PROFIT CD** cd_24mo | 4.07% APY | 4.07% | 24 mo | Eligibility restricted | | **06 MO GOVERNMENT CD** cd_6mo | 4.07% APY | 4.07% | 6 mo | Eligibility restricted | | **PREMIER ROTH IRA** ira | 4.07% APY | 4.07% | — | Context only | | **HSA** savings | 5.10% APY | 5.10% | — | Context only | H.p.c. Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 3.80% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/hpc) , verified from [H.p.c. Credit Union's official website](https://hpccu.com/) Loading branch locator… ## About H.p.c. Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 7.6K Assets $171M Founded 1950 Locations reported 3 NCUA charter 62219 Charter type Federally insured state-chartered 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 - Financial education - First-time homebuyer program 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. [**Wolverine State** Wolverine State Credit Union · Alpena · MI · 49707-8101 About 1.9 miles away](https://rateapi.dev/credit-unions/michigan/wolverine-state) [**Northland Area** Alpena Branch · Alpena · MI · 49707-8221 About 2.0 miles away](https://rateapi.dev/credit-unions/michigan/northland-area) [**Alpena-Alcona Area** Alpena Office · Alpena · MI · 49707-8104 About 2.4 miles away](https://rateapi.dev/credit-unions/michigan/alpena-alcona-area) [**Alpena Community** Alpena Community Credit Union Main Office · Alpena · MI · 49707-1875 About 2.6 miles away](https://rateapi.dev/credit-unions/michigan/alpena-community) [**Community Financial** COMMUNITY FINANCIAL HILLMAN · HILLMAN · MI · 49746-8688 About 20.4 miles away](https://rateapi.dev/credit-unions/michigan/community-financial) [**Awakon** Awakon Federal Credit Union · Rogers City · MI · 49779-2137 About 27.7 miles away](https://rateapi.dev/credit-unions/michigan/awakon) 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 H.p.c. Credit Union Membership eligibility from H.p.c. Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on H.p.c. Credit Union's website. Check the membership page below to confirm whether you qualify. - Location luce, chippewa, mackinac, emmet, cheboygan, charlevoix, presque isle, antrim, otsego, montmorency, alpena, crawford, oscoda, alcona, roscommon, ogemaw, iosco — MI Verified from [H.p.c. Credit Union's membership page](https://hpccu.com/who-can-join/) . Final membership determination is always made by the credit union. ## Membership rules for H.p.c. Credit Union Geography 17 counties · Family 2 87 published paths to membership, last verified August 27, 2026, quoted from H.p.c. Credit Union’s own published criteria. ### Geography 17 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Alcona County, MI - Alpena County, MI - Antrim County, MI - Charlevoix County, MI - Cheboygan County, MI - Chippewa County, MI - Crawford County, MI - Emmet County, MI - Iosco County, MI - Luce County, MI - Mackinac County, MI - Montmorency County, MI - Ogemaw County, MI - Oscoda County, MI - Otsego County, MI - Presque Isle County, MI - Roscommon County, MI “People who live, work, worship, own real estate or attend school in the counties of Luce, Chippewa, Mackinac, Emmet, Cheboygan, Charlevoix, Presque Isle, Antrim, Otsego, Montmorency, Alpena, Crawford, Oscoda, Alcona, Roscommon, Ogemaw, and Iosco, Michigan” > [source ↗](https://hpccu.com/who-can-join/) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “plus members and immediate families of the foregoing can join H.P.C. Credit Union” > [source ↗](https://hpccu.com/who-can-join/) - Family member of a member - Family of someone eligible immediate family “People who live, work, worship, own real estate or attend school in the counties of Luce, Chippewa, Mackinac, Emmet, Cheboygan, Charlevoix, Presque Isle, Antrim, Otsego, Montmorency, Alpena, Crawford, Oscoda, Alcona, Roscommon, Ogemaw, and Iosco, Michigan, plus members and immediate families of the…” > [source ↗](https://hpccu.com/who-can-join/) - Family member (immediate family) of an eligible person 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 H.p.c. Credit Union? Yes No ## Work at H.p.c. 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 H.p.c. Credit Union ranks against Michigan peers. - See which AI assistants fetched H.p.c. 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=hpc&state=michigan&code=MI&name=H.p.c.%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does H.p.c. Credit Union offer? H.p.c. Credit Union currently offers mortgage, vehicle loan, personal loan, and student loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are H.p.c. Credit Union rates updated? RateAPI verifies H.p.c. Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get H.p.c. Credit Union's rate data? Rate data is collected directly from H.p.c. 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 H.p.c. Credit Union's best CD rate? As of November 12, 2026, H.p.c. Credit Union offers savings and certificate (CD) yields up to 3.80% APY. ### Who can join H.p.c. Credit Union? H.p.c. Credit Union publishes its membership criteria on its own website. RateAPI tracks 87 published membership paths covering 17 counties for H.p.c. Credit Union, each quoted from H.p.c. Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare H.p.c. 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 auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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://hpccu.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 H.p.c. 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 H.p.c. Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /hpc " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## H.p.c. 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/hpc Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp