Health Care Family Credit Union has several high rates on its certificates of deposit. The highest yield listed is 5.17% APY for a 60-month term and a minimum deposit of $50,000. Shorter terms also have competitive rates: 4.96% APY for 36-months, 4.76% APY for 24-months and 4.36% APY for 12 months. These also require a minimum of $50,000. Rates are about 10 basis points lower for a $25,000 minimum and 25 basis points lower for a $10,000 minimum.
Membership is open to those who live or work in certain areas of St. Louis. For those outside these areas who still live in the St. Louis Metro area, you may still be able to qualify via membership in one of several organizations. Please refer to their Who-Can-Join page for the full details. Membership requires a one-time fee of $1 and a minimum deposit of $5 in the share savings account.
Branches are located in Richmond Heights, St. Peters and Kirkwood, Missouri. The credit union is federally insured by the NCUA (Charter # 63249). It has $27.3 million in assets and 7,130 members.