What are the current interest rates at Community Healthcare Credit Union?

Current rates for Community Healthcare Credit Union include: 12-Month CD: 1.65%

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Community Healthcare Credit Union

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Community Healthcare Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community Healthcare Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 31, 2026

Community Healthcare Credit Union's 12 month rates are at 1.65%, 6 month rates are at 1.01%. Community Healthcare Credit Union's Personal Loan Rates are at 4.24%. MonitorBankRates has no NCUA call report data for Community Healthcare Credit Union, so it is not rated. Rates last updated and verified on 08/31/2026.

Community Healthcare Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Community Healthcare Credit Union? Share your experience about Community Healthcare Credit Union by leaving a review below, or read customer reviews before you decide to use Community Healthcare Credit Union.

Overall Health & Safety Grade

N/A

Not Rated No current filing

MonitorBankRates Rating

N/A

Not Rated No current filing

Texas Ratio

N/A

Not Rated No data

Community Healthcare Credit Union CD Rates

Product	Rate	APY	Term
12 month	1.64%	1.65%	12 months
Min Balance $1,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
6 month	1.00%	1.01%	6 months
Min Balance $1,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Community Healthcare Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.05%	0.06%
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Vacation Club	0.05%	0.06%
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Community Healthcare Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity	-	-	5.00%	5 Years
Details LTV=80%; Fixed Rates. No closing costs.; Maximum Loan $100,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Home Equity	-	-	5.25%	10 Years
Details LTV=80%; Fixed Rates. No closing costs.; Maximum Loan $100,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Community Healthcare Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan Special	-	-	4.24%	0 - 48 mos.
Details Model Years 2023 - 2026; 100% Financing Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Auto Loan Special	-	-	5.24%	60 mos.
Details Model Years 2023 - 2026; 100% Financing Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Auto Loan Special	-	-	5.50%	72 mos.
Details Model Years 2023 - 2026; 100% Financing Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Auto Loan Special	-	-	5.75%	84 mos.
Details Model Years 2023 - 2026; 100% Financing Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Auto Loan Special	-	-	6.00%	0 - 60 mos.
Details Model Years 2021 - 2022; 100% Financing Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Auto Loan Special	-	-	6.50%	72 mos.
Details Model Years 2021 - 2022; 100% Financing Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Auto Loan Special	-	-	6.75%	0 - 48 mos.
Details Model Years 2016 - 2020; 100% Financing Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Community Healthcare Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Card	-	9.90%
Details No Annual Fee - Fixed Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Visa Credit Card FIXED Rate Advantage	-	9.90%
Details Rate is based on credit "grade A", your actual rate may be higher based on your credit score. All rates are subject to change without notice. Some restrictions may apply. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Community Healthcare Credit Union’s Texas Ratio fell from 8.21% in Q2 2023 to 2.40% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$18M	2.40%	5.0	A+
December 31, 2025	$18M	12.19%	5.0	A
September 30, 2025	$18M	6.21%	5.0	A
June 30, 2025	$18M	8.29%	5.0	A
March 31, 2025	$18M	7.16%	5.0	A
December 31, 2024	$17M	10.29%	5.0	A
September 30, 2024	$17M	18.54%	4.7	B+
June 30, 2024	$17M	12.68%	5.0	A
March 31, 2024	$17M	16.65%	4.9	A-
December 31, 2023	$16M	13.33%	5.0	A
September 30, 2023	$17M	21.72%	4.4	B
June 30, 2023	$18M	8.21%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Community Healthcare Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Community Healthcare Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Community Healthcare Credit Union's official website for the most current offers and terms.

2026 MBR Health & Safety Badge

Community Healthcare Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Community Healthcare Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

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Frequently Asked Questions About Community Healthcare Credit Union

How many branches does Community Healthcare Credit Union operate?

Community Healthcare Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Community Healthcare Credit Union?

Yes, to access services at Community Healthcare Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Community Healthcare Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community Healthcare Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Community Healthcare Credit Union offer online and mobile banking?

Most modern institutions like Community Healthcare Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.chcu.org.