HEALTH ADVANTAGE is an NCUA-insured credit union located in SAGINAW, MI. New auto loan rates from 6.49% APR. Google rating: 4.5 out of 5 from 163 reviews.

Health Advantage

PO BOX 6160, Saginaw, MI 48608

NCUA Insured4.5 (163 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1970

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Saginaw, MI may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1970

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO BOX 6160

Saginaw, MI 48608

Google Maps 🗺Waze

(989) 791-7070

Service Area

This credit union is located in Saginaw and serves members in the MI area. Currently serving 10,639 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

6.49%

Used Auto Loan

4.74%

Personal Loan

10.99%

Credit Card APR

10.90%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q1 2026).

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%

Lakeshore— Used Auto Loan

Muskegon, MI

3.99%

International Uaw— Personal Loan

Detroit, MI

5.50%

Circle— Credit Card APR

Niles, MI

4.83%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Compare Rates in Saginaw

See how HEALTH ADVANTAGE stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Saginaw →Best Personal Loan Rates in Saginaw →Best Credit Card Rates in Saginaw →All Credit Unions in Saginaw →

Member Reviews

4.5

163 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Tracie Muzer

3 months ago

This is the worst bank in history. I’ve had to fight my credit reports because they didn’t report accurate stuff (or payoff) then filed a false claim with the courts and never served me paperwork to defend it on time. I requested the pay off information (that they don’t report to the credit bureau that still showed open over a year later), they wouldn’t send me one I’ve reported them to the department that governs all credit unions. I’m still fighting this horrible bank and people. Shady bank- run!!!

Quentoria Bledson

7 months ago

Best credit union ever they’re very helpful I’ve been with this credit union for 6 years they helped me with my first home loan and made sure every question I had was answered, rather if it was an email or phone call they contacted me almost everyday with updates while I was going though the process. Definitely a 10/10

Kasi Kreger

8 months ago

If I could rate them lower I would 100%! Their system will block even Walmart from allowing payments to get through. Trying to order something for my kids and They unblocked it, but now their story changes to put the blame on others. It is our money why can we not use it how we want to use it?

Jason White

a year ago

Health Advantage Federal Credit Union always has the best rates and you can't find a better group of employees anywhere else. Everyone there is extremely helpful, knowledgeable, and kind. Keep up the great work!!!