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Your dream home awaits

Affordable Lending

Whether you're a first-time homebuyer or looking to refinance, our dedicated team is committed to providing you with transparent, hassle-free solutions. Explore the possibilities, open the door to homeownership, and let Healthcare Plus Federal Credit Union be your trusted partner on this exciting adventure.

  • First and second mortgages
  • Home equity line of credit
  • Home improvement loans

Credit Disability, Credit Life and Unemployment insurances are optional. Please discuss with your loan officer.

Current Rates

Rates as of 3/20/24


Base Rate
Lowest Rate
Non-Titled Secured
(See Loan Officer for maximum amounts and terms.)
Overdraft Protection Loans
Guaranteed Student Loans
(Stafford and Parent Plus)
set by Dept of Ed.
Home Equity & In-House First Mortgage Loans
call for current rates / terms
Secondary Market First Mortgages
call for current rates

Simple interest is charged on the outstanding balance of the loan.  There are no prepayment penalties. Credit Disability, Credit Life, Joint Credit Disability, Involuntary Unemployment Insurance, and Joint Credit Life insurance may be available. All consumer loans are charged a $25 loan application fee. All secured title loans will be charged $15 per vehicle to note the lien and all secured non-titled loans will be charged a UCC fee of $25 per filing. A fee of $20 per loan will be charged to defer a loan payment. A $50 fee will be charged to refinance to lower an interest rate on a current loan.

All rates are based on APR (Annual Percentage Rate).

A security interest is required on all secured loans. Insurance is required on all secured loans over $3000 except for share or share certificate secured loans. Healthcare Plus FCU is to be  listed as the lien holder on the title or UCC-1 lien instrument as well as on the insurance policy. Your minimum payment will never be less than $30.00 per month.

View all rates
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How to Apply

In Person

Our friendly staff at is here to assist you with the application process. We'll be happy to answer any questions you have.

Call Today

Have questions or need guidance on the best loan option for your situation? Give us a call at 605-725-0900, and our loan experts will be happy to assist you.

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