Healthcare Associates Credit Union

Headquarters

1151 E Warrenville Road
Naperville, IL 60563
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.10%	5.50% →
1-Year CD	0.60%	4.59% →
2-Year CD	0.70%	4.25% →
5-Year CD	1.50%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

Healthcare Associates is an NCUA insured institution located in Naperville, IL. It was founded in 1979 and has approximately $455.73 millions in assets.

Who can join?

The field of membership includes employees of the following organizations:
• Accelerated Health Systems
• Accelerated Rehabilitation Centers
• Advocate Health Care Association
• Advocate Trinity Hospital
• ALC Home Health
• American Academy of Disability Evaluating Physicians
• American Association of Clinical Endocrinologists
• American College of Foot and Ankle Surgeons
• American Home Health
• American Oxygen Services, Inc.
• ATI Physical Therapy
• Automated Health Systems
• Claim Strategies, Inc.
• Community Memorial Hospital
• Compact Industries, Inc.
• Direct Home Healthcare
• Dr. William M. Scholl College of Podiatric Medicine
• DuPage County Medical Society
• Elgin Family Physicians
• Evangelical Care Corp.
• Evangelical Hospital Corp.
• Evangelical Service Corp.
• Extended Family Resources
• First Health Group Corporation
• Fresenius Medical Care
• Harmony Health Plan of Illinois, Inc.
• HealthCare Information Services, LLC
• Healthsmart Partners
• Helia HealthCare/Bridgemark LLC
• Holistic Healthcare Service Corp.
• Hospice of NE Illinois
• IHA (for a complete list of member hospitals click here)
• Illinois Academy of Family Physicians
• Illinois Bone & Joint
• Illinois Chapter, American Academy of Pediatrics
• Illinois Society for Advanced Practice Nursing
• Inhalation Therapist Association at St. Bernard's Hospital
• Magna Health Systems
• Marillac
• Midwest Heart Specialists
• National Pharmacists Association
• Oak Tree Staffing
• Pain Care America
• Private Home Care & Its Affiliates (Home Staff Inc & Pri-Med Infusion Services)
• Professional Dynamic Network, Inc.
• Saint Francis Medical Center (Cape Girardeau, MO)
• Southeast Missouri Hospital
• St. Bernard Hospital
• St. Vincent DePaul
• Telemotive Industrial Controls
• The Spine Center S.C.
Immediate family members are also eligible to join the credit union!
Anyone who resides or works in these areas can also join HealthCare Associates Credit Union: DuPage County, Oak Lawn Area, and Des Plaines Area.


NCUA Insured	Yes / State-Chartered
Charter Number #	# 65421
Date Established	1979
Assets	$455.73 million
Loans	$309.53 million
Deposits	$385.51 million
Capital	$64.45 million

Field of Membership Restrictions

Healthcare Associates Credit Union of Illinois is open to the residents of the communities that the credit union serves, the professionals, employees, and/or members of the organizations and credit union affiliated select employee groups that are listed on the credit union website, as well as the family and/or household members of these eligible people.

Deposit Rates - December 30, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.10%	$2,500	$4,999	Learn More Reviews
Money Market	0.25%	$2,500	$2,999	Learn More Reviews
Money Market	0.25%	$10,000	$14,999	Learn More Reviews
Money Market	0.25%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.40%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.50%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.60%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.60%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.70%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.80%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.90%	$100,000	$199,999	Learn More Reviews
48 Mo CD	1.10%	$10,000	$14,999	Learn More Reviews
48 Mo CD	1.20%	$100,000	$199,999	Learn More Reviews
60 Mo CD	1.40%	$10,000	$14,999	Learn More Reviews
60 Mo CD	1.50%	$100,000	$199,999	Learn More Reviews

Loan Rates - December 30, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Healthcare Associates

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 66247	6.697%	6.625%	0.75	$2,371	$2,049	Learn More
NMLS ID: 1025894	6.861%	6.750%	0.88	$3,644	$2,076	Learn More
NMLS ID: 2592312 License#: RM.805266.000	6.960%	6.875%	0.50	$2,966	$2,103	Learn More
NMLS ID: 3030	7.325%	7.250%	0.75	$2,400	$2,183	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to Healthcare Associates
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Branches

Below are Healthcare Associates branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Healthcare Associates Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Little Company of Mary Hospital Branch	276.88	A	View Lobby Hours
Oak Lawn Branch	278.19	B	View Lobby Hours
Silgan White Cap Credit Union	295.57	C	View Lobby Hours
Des Plaines Branch	296.48	D	View Lobby Hours
Naperville Branch	300.17	E	View Lobby Hours
Winfield Branch	303.48	F	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

HEALTHCARE ASSOCIATES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Healthcare Associates Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Healthcare Associates. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Healthcare Associates	U.S. Average
3.17%	5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Healthcare Associates had $2,064,869 in non-current loans and $56,153 in owned assets. To cover these potential losses it had $64,454,014 in net worth and $2,527,545 in loans loss reserves. That gives it a Texas Ratio of 3.17%.

Net Worth

Healthcare Associates	U.S. Average
14.14%	13.93%

Healthcare Associates FCU has a net worth of 14.14% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Healthcare Associates

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