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Healthcare 1st Credit Union Share
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Overview Share
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Healthcare 1st Credit Union is a federal credit union based in Cumberland, Maryland. It has been opened since 1960, for 62 years.

With around $7,340,000 in assets, Healthcare 1st Credit Union is considered to be a medium size credit union. It has 1 branches and 1 ATM locations.

About Share
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Address 1050 W. Industrial Boulevard Suite 16
Cumberland, Maryland 21502
Website http://healthcare1fcu.org
Phone (301) 723-4098
Fax (301) 723-4494
CEO Anita K. Bower
President of the Board Mark Growden
Services Offered
Score Card Share
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62 years
Years in business
Opened in 1960
Well Capitalized
Net worth classification
Source: NCUA
1,300 members
Membership type: Community credit union
Below average number of members
325:1
Credit union member to staff ratio
325 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$7,336,537
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 3 in Maryland
Average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
9.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 3 in Maryland
Average number of branches
Healthcare 1st Credit Union Branch Locations

Healthcare 1st Credit Union: Healthcare 1 Federal Credit Union
1050 W. Industrial Boulevard Suite 16
Cumberland, Maryland 21502
ATM Available
Members Share
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1,300 members
Membership type: Community credit union
Below average number of members

With 1,300 members, the Healthcare 1st Credit Union is considered to be a small credit union. It is smaller than 76% of credit unions.

Fees Share
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$27
Average fee per member
The average fee per member at the Healthcare 1st Credit Union is $27, which is low compared to most credit unions. This rate is lower than 68% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Healthcare 1st Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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325:1
Credit union member to staff ratio
325 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
4 staff members
FTE (full-time equivalent)
0% of employees are part-time
4 full-time, 0 part-time

Healthcare 1st Credit Union has 4 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Healthcare 1st Credit Union has around 325 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$7,336,537
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
7.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$5,627
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 87% of credit unions.

Healthcare 1st Credit Union holds a total of $3,400,000 in loans and leases, which is about $5,627 per member on average.

Savings interest rate Share
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Healthcare 1st Credit Union pays 0.10%.

Loan rates Share
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9.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
8.12%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
7.05%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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4.07%
New car loan rate
Compared to 4.0% nationally
6.10%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.83%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally

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All of Asset Brief

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Healthcare 1st Credit Union
Credit Union: Well Capitalized Cumberland, Maryland 1300.0 $7 million Well Capitalized
Healthcare 1st Credit Union: Healthcare 1 Federal Credit Union
Credit Union Branch: 1050 W. Industrial Boulevard Suite 16
Cumberland, Maryland 21502 ATM Available
Healthcare 1st Credit Union: Healthcare 1 Federal Credit Union ATM
Credit Union ATM: 1050 W. Industrial Boulevard Suite 16
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Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.