What are the current interest rates at Financial Health Federal Credit Union?

Current rates for Financial Health Federal Credit Union include: MMA: 0.10%

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Financial Health Federal Credit Union

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Financial Health Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Financial Health Federal 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: September 9, 2026

Financial Health Federal Credit Union's 6-Month CD rates are at 4.00%. Financial Health Federal Credit Union's money market rates are at 0.10%. Financial Health Federal Credit Union's Personal Loan Rates are at 10.00%. MonitorBankRates evaluates the financial stability of Financial Health Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.39%. Rates last updated and verified on 09/09/2026.

Financial Health Federal 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 Financial Health Federal Credit Union? Share your experience about Financial Health Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Financial Health Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.39%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Financial Health Federal Credit Union
Financial Health Federal Credit Union

777 INDIANA AVE
Indianapolis, IN 46202-3101

https://financialhealthfcu.org

Financial Health Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
6-Month CD	-	4.00%	6 months
Min Deposit $500 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

Financial Health Federal Credit Union Savings Rates

Product	Rate	APY
Holiday Club Account	-	0.20%
Details Dividends paid at maturity, October 31st Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Property Tax Club Account	-	0.20%
Details Dividends paid at maturity, April 30th & November 30th Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Vacation Club Account	-	0.20%
Details Dividends paid at maturity, March 31st Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Regular Share Account	-	0.10%
Min Balance $10 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

Financial Health Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	-	1.00%
Min Balance $25,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Money Market Account	-	0.80%
Min Balance $10,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Money Market Account	-	0.60%
Min Balance $5,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Money Market Account	-	0.30%
Min Balance $2,500 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Money Market Account	-	0.10%
Min Balance $0 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

Financial Health Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	6.50%	5 Years
Details Max Amount: 80% LTV Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Home Equity Loans	-	-	7.50%	10 Years
Details Max Amount: 80% LTV Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Home Equity Loans	-	-	8.25%	10 Years
Details Max Amount: 90% LTV Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Home Equity Loans	-	-	8.50%	15 Years
Details Max Amount: 80% LTV Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Home Equity Loans	-	-	8.75%	15 Years
Details Max Amount: 90% LTV Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

Financial Health Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Automobile Loans	-	-	5.50%	Up to 75 Months
Details Max Amount: 125% of Retail Value; Model Year: 2026 (& 2025) Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Used Automobile Loans	-	-	5.75%	72 Months
Details Year: 2024; Based on NADA Loan Value Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Used Automobile Loans	-	-	6.00%	60 Months
Details Year: 2023 & 2022; Based on NADA Loan Value Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Used Automobile Loans	-	-	6.25%	54 Months
Details Year: 2021 & Older; Based on NADA Loan Value Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

Financial Health Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Classic Card	-	9.90%
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

Financial Health Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Unsecured Term Loans	10.00%	36 Months
Details Max Amount: $10,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

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.
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Financial Health History

Financial Health Federal Credit Union’s Texas Ratio rose from 6.66% in Q2 2023 to 9.39% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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	$32M	9.39%	5.0	A
December 31, 2025	$31M	13.46%	5.0	A
September 30, 2025	$31M	11.67%	5.0	A
June 30, 2025	$32M	7.16%	5.0	A
March 31, 2025	$33M	9.50%	5.0	A
December 31, 2024	$31M	7.65%	5.0	A
September 30, 2024	$31M	5.60%	5.0	A+
June 30, 2024	$34M	4.17%	5.0	A+
March 31, 2024	$36M	7.90%	5.0	A
December 31, 2023	$35M	7.60%	5.0	A
September 30, 2023	$36M	5.28%	5.0	A+
June 30, 2023	$36M	6.66%	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 Financial Health Federal 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 Financial Health Federal 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 Financial Health Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Financial Health Federal Credit Union

Website https://financialhealthfcu.org

Address 777 INDIANA AVE, Indianapolis, IN 46202-3101

Phone 317-559-7175

Fax 317-559-7184

President Steven Jones

CEO Taya Butler

Full-Time Employees 17

Part-Time Employees 1

Branch Locations 6

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.39%

Return on Assets (ROA)

-1.1058%

Return on Equity (ROE)

-10.4537%

Non-Performing Loans Ratio (NPL)

3.08%

Total Assets

31,511,538

Total Amount of Shares and Deposits

27,997,496

Total Shares and Deposits < 1 Year

27,663,195

Total Shares and Deposits 1 3 Years

22,405

Total Shares and Deposits > 3 Years

311,895

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

177,485

Total Uninsured Shares and Deposits > $250K (F+J)

177,485

Total Insured Shares and Deposits > $250K (item 17 less item K)

27,820,011

Total Interest Expense (Sum of items 6 8)

34,856

Share Certificates

268

Number of Accounts for Share Drafts

4,765

IRA KEOGH Accounts

Number of Accounts for Regular Shares

8,629

All other shares

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

-348,452

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

5,309,874

Total Liabilities

28,214,578

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Financial Health Federal 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About Financial Health Federal Credit Union

How many branches does Financial Health Federal Credit Union operate?

Financial Health Federal 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 Financial Health Federal Credit Union?

Yes, to access services at Financial Health Federal 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, Financial Health Federal 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, Financial Health Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Financial Health Federal Credit Union offer online and mobile banking?

Most modern institutions like Financial Health Federal 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://financialhealthfcu.org.