Holiday spending can be expensive. In fact life in general can be expensive. Let us help you start the New Year off right with our 'Free in Three' promotion.  We'd like to help you be debt free in three years! Curious how much you can save? Call us at 630.276.5555 we’ll help you figure it out!

Personal Loans

Getting you to where you want to be

You may be looking to take that overdue dream vacation, consolidate some debt or build or fix your credit. Our personal loans can help make your dreams come true or fulfill your practical priorities.

Signature Loans

Our Signature Loans are available to help you meet your lifestyle goals, whether that’s consolidating other loans, taking a dream vacation, or buying new furniture for your home. We offer competitive rates and no pre-payment penalties.



Share or CD Secured Loans

This is a good option if you're looking to build your credit or you need to make a necessary purchase but don't want to dip into your savings. With a Share Secured Loan you borrow against your savings at HealthCare Associates and receive a low-rate loan, while still earning interest on your financial resources on deposit. It’s a win-win!



Credit Builder Loans

When it comes to building or fixing credit, there are no easy answers or quick fixes. We do have a loan that can assist members trying to build their credit while at the same time helping build savings.

With the Credit Builder Loan a 12 or 24 month certificate is opened and used to secure the loan. By making timely monthly payments, positive repayment information is reported to the credit bureaus which may help boost credit scores. Once the loan is paid off, the funds in the Certificate Account will be deposited to your primary Savings Account.

Successful repayment of a Credit Builder Loan won’t instantly fix your credit, but it is a starting point in building or rebuilding process.



Compare loans with different monthly payments, loan amounts, interest rates and terms.

Which loan provides me with the best value?


Signature Loans: *APR=Annual percentage rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Terms available from 12 - 60 months for qualifying members.

Free in Three promotion: *APR=Annual percentage rate as of January 1, 2017. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. This offer does not apply to existing HealthCare Associates Credit Union loans. Terms available from 12 up to 60 months for qualifying members. As low as 5.90% APR* up to 24 months. As low as 8.90% APR* up to 60 months. Estimated monthly payments on 24 month Signature Loan at 5.90% APR* = $44.29 per $1,000 borrowed. Estimated monthly payment on a 60 month loan at 8.90% APR* = $20.73 per 1,000 borrowed. Ask a member service specialist for details or apply online. Minimum loan amount borrowed must be $1,000.  Promotional rate ends February 28, 2017.