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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
H E TELEPHONE Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 20, 2026
H E TELEPHONE's CD Accounts One Year rates are at 3.20%, CD Accounts Six month rates are at 2.99%. H E TELEPHONE's Personal Loan Rates are at 9.00%. MonitorBankRates evaluates the financial stability of H E TELEPHONE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.83%. Rates were last updated on 03/20/2026. H E TELEPHONE money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at H E TELEPHONE? Share your experience about H E TELEPHONE by leaving a review below, or read customer reviews before you decide to use H E TELEPHONE. Bank of Denton
Rochelle Park 201 W Passaic St Ste 304
https://hetelfcu.org Rochelle Park, NJ 07662 3126 
H E TELEPHONE CD Rates
H E TELEPHONE Mortgage Rates
H E TELEPHONE Home Equity & HELOC
H E TELEPHONE Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for H E TELEPHONE is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather H E TELEPHONE rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with H E TELEPHONE's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
H E TELEPHONE
Website
https://hetelfcu.org
Address
201 W Passaic St Ste 304,
Rochelle Park, NJ 07662 3126
Phone
201-845-6876
Fax
201-845-8792
President
Michael Savage
CEO
Joseph Kiernan
Full-Time Employees
6
Part-Time Employees
4
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.83%
Return on Assets (ROA)
0.1192%
Return on Equity (ROE)
0.7800%
Non-Performing Loans Ratio (NPL)
0.83%
Total Assets
45,700,729
Total Amount of Shares and Deposits
38,659,272
Total Shares and Deposits < 1 Year
36,065,540
Total Shares and Deposits 1 3 Years
2,593,732
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,659,139
Total Uninsured Shares and Deposits > $250K (F+J)
1,659,139
Total Insured Shares and Deposits > $250K (item 17 less item K)
37,000,133
Total Interest Expense (Sum of items 6 8)
589,561
Share Certificates
553
Number of Accounts for Share Drafts
1,666
IRA KEOGH Accounts
224
Number of Accounts for Regular Shares
3,994
All other shares
49
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,975,196
Total Liabilities
38,714,931
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About H E TELEPHONEIs H E TELEPHONE a safe place to deposit money?Yes, H E TELEPHONE is considered a safe financial institution. With a Texas Ratio of 2.8256614348139%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does H E TELEPHONE operate?H E TELEPHONE currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join H E TELEPHONE?Yes, to access services at H E TELEPHONE, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, H E TELEPHONE does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, H E TELEPHONE provides members with tools to manage their accounts and build a solid financial history. Does H E TELEPHONE offer online and mobile banking?Most modern institutions like H E TELEPHONE provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://hetelfcu.org. Compare to Other Credit Unions
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