Current Rates

To see the rates as of 3-20-24, click here.

Certificate Only Rates

To see the rates as of 3-1-24, click here.


The convenience of a checking account, but pays dividends like a saving account. A checking account that is truly free with extra perks for you, our members.

  • No minimum balance
  • No monthly service charge
  • No per check charge
  • Free starter pack of checks
  • Account earns dividends based on balances over $100
  • Automatic Savings transfer available should your account be overdrawn
  • Free Voice Teller
  • Free Internet Banking
  • NCUA Insured
  • Overdraft Protection Line of Credit*
  • ATM/Debit Cards available*
  • *Pending Approval

Reorder your Main Street checks here.
*Must have reorder tickets when reordering*

Download a Deposit Slip


With our savings account options, you’re sure to find one that fits your life.

Savings Account/Share Account

With a Share Account, each deposit is eligible to earn a very competitive dividend rate, once share balances reach the amount of $25.00.

  • Competitive dividend rate paid quarterly
  • Unlimited deposits or withdrawals
  • ATM Card available
  • Free Voice Teller and Internet Banking

Super Shares

  • Pays a money market type rate
  • Minimum balance $1,000
  • Higher dividend rate for balances over $5,000, $10,000 and $25,000

Christmas Club

  • Pays a higher dividend rate than a Share Account
  • Helps you save for Christmas shopping
  • Make monthly, semi-monthly, bi-weekly, or weekly direct deposits.
  • Funds available on November 1 of each year.

Share Certificates

Our rates are always competitive and near the top of the local market. If you use the credit union for many services, you know that the overall credit union package offered by Healthcare Plus FCU saves you money in the long run. Please use us for all we’re worth!

  • May be purchased for $100 or more
  • Terms for 6 months, 12 months, 18 months, 24 months, 30 months, 36 months, or 60 months
  • We always offer an under 12 month special and over 12 month special ($500 minimum)
  • Higher balance certificates ($200,000+) may qualify for a higher rate
  • See Credit Union staff for details
  • Dividends based on current market offerings

Club 18

An additional way for students, parents and grandparents to save for education.

  • Open at any age and the Club 18 matures when the child turns 18 years old
  • May make regular deposits as low as $10

IRAs and Educational Savings Accounts

We offer Traditional and Roth IRAs. We also offer Education Savings Accounts.

  • Maximum annual contributions apply
  • These accounts are in the form of a savings account or share certificate
  • Funds are insured separate from other savings up to $250,000

VISA Gift Cards

The gift that always fits and never needs to be exchanged. You can purchase VISA Gift Cards for all your special occasions. Now you can take the guess work out of what to give that hard to buy for person in your life. The VISA Gift cards are accepted anywhere VISA Cards are accepted.

Voice Teller (605) 725-0888

Our automated phone banking system provides you convenient access to your accounts 24 hours a day with your touch-tone telephone! The Voice Teller Automated System provides you with convenient, around-the-clock access to your account. The following features are available from any touch-tone telephone:

  • Account balances
  • Money transfers
  • Loan payments
  • Dividends earned on deposits
  • Interest paid on loans
  • IRA deposit information
  • Checks cleared listing
  • Share and loan history

View our Voice Teller Guide

Other Available Services

  • Safe Deposit Boxes
  • Payroll Deduction
  • ACH Deposits and Payments
  • Direct Deposit
  • Money Orders
  • Cashier’s Checks
  • Stamp Sales
  • Night Deposit Box
  • Notary Public
  • Savings Bond Redemption
  • Wire Transfers
  • 3 Drive-up lanes
  • Drive-up ATM (in our 3rd drive-up lane)
  • Prepaid Travel Money Cards

Fees & Services

The Fee & Services Schedule for all accounts sets forth certain fees and charges applicable to your regular share and share draft accounts at Healthcare Plus Federal Credit Union and is incorporated as part of your account agreement. The following fees may be assessed in connection with your accounts. The rate and fees in this schedule are subject to change. The list below is effective as of 3-1-24.

List of Fees & Services

Questions? Call us at 605-725-0900 or