H.p.c. Credit Union

Alpena, Michigan
Last verified: August 4, 2026
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Verified rate book

Current H.p.c. Credit Union rates

30 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

5 offers
H.p.c. Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
15-Year Fixed15 year fixed5.500% APR5.500%—Standard
10-Year Fixed10 year fixed5.250% APR5.250%—Standard
5/5 ARM5 5 arm5.250% APR5.250%—Standard
Adjustable Rate 7/5 (ARM)arm5.750% APR5.750%—Standard
20-Year Fixed20 year fixed5.750% APR5.750%—Standard

Auto & vehicle rates

4 offers
H.p.c. Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Used Auto Loanauto_used4.950% APR4.950%usedStandard
New Auto Loanauto_new4.950% APR4.950%newStandard
Used RV Loanrv_used6.500% APR6.500%usedStandard
New RV Loanrv_new6.500% APR6.500%newStandard

Personal loan rates

1 offer
H.p.c. Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Share-Secured Loanpersonal_secured2.500% APR2.500%—Standard

Student loan rates

1 offer
H.p.c. Credit Union student loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Student Loanstudent5.500% APR5.500%—Standard

Savings & CD rates

19 offers
H.p.c. Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
VACATION ACCOUNTsavings0.10% APY0.10%—Standard
BUSINESS SHARE DRAFTsavings1.11% APY1.11%—Standard
BUS PREFERRED SHAREsavings1.16% APY1.16%—Standard
COVERDELL IRA SHAREira2.02% APY2.02%—Standard
6 MONTH YOUTH CDcd_6mo2.02% APY2.02%6 moEligibility restricted
6-Month Certificatecd_6mo2.02% APY2.02%6 moStandard
12 MONTH YOUTH CDcd_12mo3.04% APY3.04%12 moEligibility restricted
12-Month Certificatecd_12mo3.04% APY3.04%12 moStandard
18 MONTH YOUTH CDcd_18mo3.55% APY3.55%18 moEligibility restricted
18-Month Certificatecd_18mo3.55% APY3.55%18 moStandard
24-Month Certificatecd_24mo3.80% APY3.80%24 moStandard
24 MONTH YOUTH CDcd_24mo3.80% APY3.80%24 moEligibility restricted
24 MO NON-PROFIT CDcd_24mo4.07% APY4.07%24 moStandard
PREMIER ROTH IRAira4.07% APY4.07%—Standard
18 MO NON-PROFIT CDcd_18mo4.07% APY4.07%18 moStandard
06 MO GOVERNMENT CDcd_6mo4.07% APY4.07%6 moStandard
12 MO NON-PROFIT CDcd_12mo4.07% APY4.07%12 moStandard
HSAsavings5.10% APY5.10%—Standard
SPECIAL SHAREother0.10% APY0.10%—Standard

As of August 4, 2026, H.p.c. Credit Union offers a 15-year fixed mortgage at 5.5% APR. Vehicle loans available from 4.95% APR. Personal loan rates from 2.5% APR. Savings and certificate yields up to 5.10% APY.

Source: RateAPI.dev, verified from H.p.c. Credit Union's official website

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About H.p.c. Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
7.6K
Assets
$171M
Founded
1950
Locations reported
3
NCUA charter
62219
Charter type
Federally insured state-chartered 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

Source: NCUA quarterly call report. 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.

Alpena CommunityAlpena Community Credit Union Main Office · Alpena · MI · 49707-1875Branch in the same ZIPAlpena-Alcona AreaAlpena Office · Alpena · MI · 49707-8104Branch in the same ZIPNorthland AreaAlpena Branch · Alpena · MI · 49707-8221Branch in the same ZIPWolverine StateWolverine State Credit Union · Alpena · MI · 49707-8101Branch in the same ZIPCommunity FinancialCOMMUNITY FINANCIAL HILLMAN · HILLMAN · MI · 49746-8688About 23.3 miles awayAwakonAwakon Federal Credit Union · Rogers City · MI · 49779-2137About 27.4 miles away

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 H.p.c. Credit Union

Membership eligibility from H.p.c. Credit Union's own published criteria. How we verify this.

Community charter: live/work in Luce, Chippewa, Mackinac +14 more, MI

  • LocationLuce, Chippewa, Mackinac, Emmet, Cheboygan, Charlevoix, Presque Isle, Antrim, Otsego, Montmorency, Alpena, Crawford, Oscoda, Alcona, Roscommon, Ogemaw, Iosco — MI

Verified from H.p.c. Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does H.p.c. Credit Union offer?

H.p.c. Credit Union currently offers mortgage, vehicle loan, personal loan, and student loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are H.p.c. Credit Union rates updated?

RateAPI verifies H.p.c. Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get H.p.c. Credit Union's rate data?

Rate data is collected directly from H.p.c. 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 H.p.c. Credit Union's mortgage rate?

As of August 4, 2026, H.p.c. Credit Union offers a 15-year fixed mortgage at 5.5% APR.

What are H.p.c. Credit Union's auto & rv loan rates?

As of August 4, 2026, H.p.c. Credit Union offers vehicle loans from 4.95% APR.

What is H.p.c. Credit Union's personal loan rate?

As of August 4, 2026, H.p.c. Credit Union offers personal loans from 2.5% APR.

What is H.p.c. Credit Union's best CD rate?

As of August 4, 2026, H.p.c. Credit Union offers savings and certificate (CD) yields up to 5.10% APY.

Related Rate Data

Compare H.p.c. Credit Union's rates against national credit-union benchmarks.

More Michigan credit unionsMortgage rate benchmarkAuto loan rate benchmarkPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for H.p.c. Credit Union
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