Health Advantage Federal Credit Union
Headquarters
Po Box 6160
Saginaw, MI 48608
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2024 Overview
General Credit Union Information
Health Advantage is an NCUA insured institution located in Saginaw, MI. It was founded in 1970 and has approximately $172.47 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 20007 |
| Date Established | 1970 |
| Assets | $172.47 million |
| Loans | $103.20 million |
| Deposits | $152.18 million |
| Capital | $21.07 million |
Field of Membership Restrictions
Eligible if you are employed by, retired from or provide volunteer services to any business connected with the health care field in the Saginaw area.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.25% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.45% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.45% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.50% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.50% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.15% | $1 | $499 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Health Advantage
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: 401822 |
6.944% | 6.750% | 1.00 | $6,400 | $2,076 | Learn More |
NMLS ID: 2059741 |
7.018% | 6.875% | 0.88 | $4,672 | $2,103 | Learn More |
NMLS ID: 3030 |
7.476% | 7.375% | 1.00 | $3,200 | $2,211 | Learn More |
NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Health Advantage
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Branches
Below are Health Advantage 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
Climate Policy and Initiatives
HEALTH ADVANTAGE 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
Health Advantage Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Health Advantage. 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
| Health Advantage | U.S. Average |
|---|---|
| 3.18% | 6.97 |
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 December 31, 2023, Health Advantage had $664,256 in non-current loans and $22,923 in owned assets. To cover these potential losses it had $21,065,225 in net worth and $524,390 in loans loss reserves. That gives it a Texas Ratio of 3.18%.
Net Worth
| Health Advantage | U.S. Average |
|---|---|
| 12.19% | 13.62% |
Health Advantage FCU has a net worth of 12.19% versus the BestCashCow average of 13.62. 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 Health Advantage
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