--- title: "Healthcare Employees Credit Union Rates (Nov 2026): CDs to 4.47%" description: "Healthcare Employees Credit Union rates today: savings & CDs up to 4.47% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Healthcare Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-jersey/healthcare-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Healthcare Employees Credit Union Rates (Nov 2026): CDs to 4.47% ### Auto & vehicle rates 17 offers | Product | Published | Rate | Term / condition | Status | | **Up to 36-Month New Auto Loan** auto_new_36mo | — APR | 4.490% | 36 mo · new | Standard | | **Used Auto Loan 1 (Up to 36 Months)** auto_used_36mo | — APR | 4.490% | 36 mo · used | Standard | | **New Auto Loan (37-48 Months)** auto_new_48mo | — APR | 4.740% | 48 mo · new | Standard | | **Used Auto Loan 1 (37-48 Months)** auto_used_48mo | — APR | 4.740% | 48 mo · used | Standard | | **Leasing Alternative Auto Loan (Up to 36 Months)** auto_any_36mo | — APR | 4.740% | 36 mo | Standard | | **Used Auto Loan 1 (49-60 Months)** auto_used_60mo | — APR | 4.990% | 60 mo · used | Standard | | **New Auto Loan (49-60 Months)** auto_new_60mo | — APR | 4.990% | 60 mo · new | Standard | | **Leasing Alternative Auto Loan (37-48 Months)** auto_any_48mo | — APR | 5.240% | 48 mo | Standard | | **New Auto Loan (61-72 Months)** auto_new_72mo | — APR | 5.490% | 72 mo · new | Standard | | **Used Auto Loan 1 (61-72 Months)** auto_used_72mo | — APR | 5.490% | 72 mo · used | Standard | | **Leasing Alternative Auto Loan (49-60 Months)** auto_any_60mo | — APR | 5.740% | 60 mo | Standard | | **RV/Marine (Up to 48 Months 49-72 Months)** rv_any_72mo | — APR | 5.990% | 72 mo | Standard | | **Up to 60-Month Motorcycle Loan** motorcycle_any_60mo | — APR | 5.990% | 60 mo | Standard | | **RV/Marine (73-84 Months)** rv_any_84mo | — APR | 6.990% | 84 mo | Standard | | **Used Auto Loan 1 (73-84 Months)** auto_used_84mo | — APR | 6.990% | 84 mo · used | Standard | | **New Auto Loan (73-84 Months)** auto_new_84mo | — APR | 6.990% | 84 mo · new | Standard | | **RV/Marine (85-120 Months)** rv_any_120mo | — APR | 8.990% | 120 mo | Standard | Healthcare Employees Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 7 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 4.990% | — | Standard | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.740% | — | Standard | | **HELOC (HELOC) - Into Rate 4.99%**** heloc_variable | — APR | 5.750% | — | Standard | | **7-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.990% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.490% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.740% | — | Standard | | **20-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.990% | — | Standard | Healthcare Employees Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.740% | — | Standard | | **Overdraft LOC** personal | — APR | 9.990% | — | Standard | Healthcare Employees Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 8.990% | — | Standard | | **VISA Credit Card Classic** credit_card | — APR | 12.000% | — | Standard | Healthcare Employees Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 27 offers | Product | Published | Rate | Term / condition | Status | | **Over $50,000.00** savings | 0.50% APY | 0.50% | — | Standard | | **$100,000.01 To $250,000.00** savings | 1.01% APY | 1.00% | — | Standard | | **$100,000.01 And Over** savings | 1.01% APY | 1.00% | — | Standard | | **$100.00 To $500.00** savings | 1.01% APY | 1.00% | — | Standard | | **Over $250,000.00** savings | 1.01% APY | 1.00% | — | Standard | | **$500.01 To $5,000.00** savings | 1.26% APY | 1.25% | — | Standard | | **$25,000.01 To $250,000.00** savings | 1.51% APY | 1.50% | — | Standard | | **$5,000.01 To $20,0000** savings | 1.51% APY | 1.50% | — | Standard | | **Over $20,000.00** savings | 1.76% APY | 1.75% | — | Standard | | **$5,000.01 To $20,000.00** savings | 2.53% APY | 2.50% | — | Standard | | **$50,000.01 To $100,000.00** savings | 2.53% APY | 2.50% | — | Standard | | **$20,000.01 To $50,000.00** savings | 2.53% APY | 2.50% | — | Standard | | **$30,000.01 To $50,000.00** savings | 3.04% APY | 3.00% | — | Standard | | **$5,000.01 To $10,000.00 $10,000.01 To $25,000** savings | 3.04% APY | 3.00% | — | Standard | | **$1,000.01 To $5,000.00** savings | 3.56% APY | 3.50% | — | Standard | | **$5,000.01 To $50,000.00** savings | 3.56% APY | 3.50% | — | Standard | | **Share Certificates / Certificate IRA 2 (60 Month)** ira_cd_60mo | 3.81% APY | 3.75% | 60 mo | Standard | | **Share Certificates / Certificate IRA 2 (48 Month)** ira_cd_48mo | 3.81% APY | 3.75% | 48 mo | Standard | | **Share Certificates / Certificate IRA 2 (24 Month)** ira_cd_24mo | 3.95% APY | 3.88% | 24 mo | Standard | | **Share Certificates / Certificate IRA 2 (36 Month)** ira_cd_36mo | 3.95% APY | 3.88% | 36 mo | Standard | | **$1,000.01 To $2,500.00** savings | 4.07% APY | 4.00% | — | Standard | | **$2,500.01 To $20,000.00** savings | 4.07% APY | 4.00% | — | Standard | | **$20,000.01 To $30,000.00** savings | 4.07% APY | 4.00% | — | Standard | | **$15,000.01 To $25,000.00 $25,000.01 To $50,000.00** savings | 4.07% APY | 4.00% | — | Standard | | **Share Certificates / Certificate IRA 2 (6 Month)** ira_cd_6mo | 4.33% APY | 4.25% | 6 mo | Standard | | **Share Certificates / Certificate IRA 2 (9 Month)** ira_cd_9mo | 4.33% APY | 4.25% | 9 mo | Standard | | **Share Certificates / Certificate IRA 2 (12 Month)** ira_cd_12mo | 4.47% APY | 4.38% | 12 mo | Standard | Healthcare Employees Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.47% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-jersey/healthcare-employees) , verified from [Healthcare Employees Credit Union's official website](https://www.hefcu.com/) Loading branch locator… ## About Healthcare Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 14.8K Assets $134.7M Founded 1984 Locations reported 2 NCUA charter 24150 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 - Financial education - First-time homebuyer program - Bilingual services - Credit-builder products 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. [**Princeton** Alexander Park · Princeton · NJ · 08540 About 3.2 miles away](https://rateapi.dev/credit-unions/new-jersey/princeton) [**B-M S** Lawrenceville · Princeton · NJ · 08540-4715 About 4.3 miles away](https://rateapi.dev/credit-unions/new-jersey/b-m-s) [**Public Service E.d. Trenton** Credit Union · Lawrence Township · NJ · 08648 About 5.5 miles away](https://rateapi.dev/credit-unions/new-jersey/public-service-ed-trenton) [**Affinity** Lawrenceville Branch · Lawrence Township · NJ · 08648 About 6.7 miles away](https://rateapi.dev/credit-unions/new-jersey/affinity) [**NJ Gateway** Main Branch · Monmouth Junction · NJ · 08852 About 7.2 miles away](https://rateapi.dev/credit-unions/new-jersey/nj-gateway) [**Hamilton Horizons** Hamilton Horizons FCU · Hamilton · NJ · 08619-1250 About 7.7 miles away](https://rateapi.dev/credit-unions/new-jersey/hamilton-horizons) 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 Healthcare Employees Credit Union Membership eligibility from Healthcare Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Healthcare Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Association New Jersey Hospital Association Verified from [Healthcare Employees Credit Union's membership page](https://www.hefcu.com/about-us/membership) . Final membership determination is always made by the credit union. ## Membership rules for Healthcare Employees Credit Union Associations · Family 2 3 published paths to membership, last verified October 11, 2026, quoted from Healthcare Employees Credit Union’s own published criteria. ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Member of New Jersey Hospital Association “You are, or become, a Personal Member of the New Jersey Hospital Association (NJHA)” > [source ↗](https://www.hefcu.com/about-us/membership) - Member of New Jersey Hospital Association ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Family of a member immediate family “An immediate family member is a member of HEFCU” > [source ↗](https://www.hefcu.com/about-us/membership) - Family member (immediate family) of a member - Family of someone eligible spouse, significant other, child, parent, sibling, grandparent, household member “If you are a spouse, significant other, child, parent, sibling, grandparent, or simply live in the same household of a person eligible to join, you are also eligible to join whether they become a member or not.” > [source ↗](https://www.hefcu.com/about-us/membership) - Family member (spouse, significant other, child, parent, sibling, grandparent, household member) 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 Healthcare Employees Credit Union? Yes No ## Work at Healthcare Employees 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 Healthcare Employees Credit Union ranks against New Jersey peers. - See which AI assistants fetched Healthcare Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New Jersey - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=healthcare-employees&state=new-jersey&code=NJ&name=Healthcare%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Healthcare Employees Credit Union offer? Healthcare Employees Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Healthcare Employees Credit Union rates updated? RateAPI verifies Healthcare Employees 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 Healthcare Employees Credit Union's rate data? Rate data is collected directly from Healthcare Employees 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 Healthcare Employees Credit Union's best CD rate? As of November 12, 2026, Healthcare Employees Credit Union offers savings and certificate (CD) yields up to 4.47% APY. ### Who can join Healthcare Employees Credit Union? Healthcare Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 association for Healthcare Employees Credit Union, each quoted from Healthcare Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Healthcare Employees Credit Union's rates against national credit-union benchmarks. [More New Jersey credit unions](https://rateapi.dev/credit-unions/new-jersey) [New Jersey auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-jersey) [New Jersey HELOC rate leaders](https://rateapi.dev/heloc-rates/new-jersey) [New Jersey personal loan leaders](https://rateapi.dev/personal-loan-rates/new-jersey) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-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.hefcu.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 Healthcare Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New Jersey 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 Healthcare Employees Credit Union curl "https://api.rateapi.dev/credit-unions/new-jersey /healthcare-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Healthcare Employees Credit Union locations Search, filter, and browse all 2 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/new-jersey/healthcare-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp