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Healthcare First Credit Union

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Healthcare First Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Healthcare First 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: May 14, 2026

Healthcare First Credit Union's Personal Loan Rates are at 9.00%. MonitorBankRates evaluates the financial stability of Healthcare First Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.12%. Rates were last updated on 05/14/2026.

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

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.12%

Excellent Lower than avg

Healthcare First Credit Union
Franklin St Office

1152 Franklin St
Johnstown, PA 15905 4310

https://www.healthcarefirstcu.com

Healthcare First Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity-Fixed 1st Position	-	-	5.50%	1-5
Details 80% of appraised value Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Home Equity-Fixed 2nd Position	-	-	5.75%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Home Equity-Fixed 1st Position	-	-	6.00%	5-10
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Home Equity-Fixed 2nd Position	-	-	6.25%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Home Equity-Fixed 1st Position	-	-	6.50%	10-15
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Home Equity Line of Credit 1st Position	-	-	6.75%	20
Details 80% of appraised value Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Home Equity-Fixed 2nd Position	-	-	6.75%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Home Equity Line of Credit 2nd Position	-	-	7.00%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

Healthcare First Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.50%
Details As Low As; To celebrate the opening of our Ebensburg office, we are offering Auto Loans as low as 4.50%! Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

Healthcare First Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loans Open End Signature	-	9.00%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Personal Loans Up To 5 Years	-	9.50%
Details As Low As Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Healthcare First 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 Healthcare First 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 Healthcare First Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Healthcare First Credit Union

Website https://www.healthcarefirstcu.com

Address 1152 Franklin St, Johnstown, PA 15905 4310

Phone 814-535-2606

Fax 814-535-5146

President Martin Burket

CEO Meghan Sinclair

Full-Time Employees 21

Part-Time Employees 4

Branch Locations 8

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+ (98/100)

Texas Ratio

3.12%

Return on Assets (ROA)

0.5843%

Return on Equity (ROE)

4.4399%

Non-Performing Loans Ratio (NPL)

1.33%

Total Assets

97,970,596

Total Amount of Shares and Deposits

84,553,776

Total Shares and Deposits < 1 Year

81,474,321

Total Shares and Deposits 1 3 Years

1,798,760

Total Shares and Deposits > 3 Years

1,280,695

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

1,599,222

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

1,599,222

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

82,954,554

Total Interest Expense (Sum of items 6 8)

445,389

Share Certificates

693

Number of Accounts for Share Drafts

4,044

IRA KEOGH Accounts

303

Number of Accounts for Regular Shares

9,884

Money Market Shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

9,800,203

Total Liabilities

85,108,041

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Healthcare First Credit Union earned the Verified Strong 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.

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

Customer Reviews

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

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Healthcare First Credit Union

Frequently Asked Questions About Healthcare First Credit Union

How many branches does Healthcare First Credit Union operate?

Healthcare First 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 Healthcare First Credit Union?

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

Does Healthcare First Credit Union offer online and mobile banking?

Most modern institutions like Healthcare First 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.healthcarefirstcu.com.