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iAdvertiser Disclosure
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 HAPO Community Credit Union Rates & Review September 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 and Verified: September 12, 2026
HAPO Community Credit Union's 6 Month CD rates are at 3.60%, 6 Month Fixed Rate Time Deposit rates are at 3.60%, Commercial 6 Month rates are at 3.60%, 12 Month CD rates are at 3.30%, 12 Month Fixed Rate Time Deposit rates are at 3.30%. HAPO Community Credit Union's savings rates are at 0.05%. HAPO Community Credit Union's Personal Loan Rates are as low as 10.99%. HAPO Community Credit Union's Credit Card Rates are at 13.75%. MonitorBankRates evaluates the financial stability of HAPO Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.14%. Rates last updated and verified on 09/12/2026. HAPO Community Credit Union 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 HAPO Community Credit Union? Share your experience about HAPO Community Credit Union by leaving a review below, or read customer reviews before you decide to use HAPO Community Credit Union. 
HAPO Community Credit Union CD Rates
HAPO Community Credit Union Savings Rates
HAPO Community Credit Union Checking Rates
HAPO Community Credit Union Home Equity & HELOC
HAPO Community Credit Union Auto Loan Rates
HAPO Community Credit Union RV, Boat and Powersport Loan Rates
HAPO Community Credit Union Credit Card Rates
HAPO Community Credit Union Personal Loan Rates
HAPO Community Credit Union Other Rates
Financial Health HistoryHAPO Community Credit Union’s Texas Ratio fell from 2.07% in Q2 2023 to 1.14% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for HAPO Community Credit Union 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 HAPO Community Credit Union 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 HAPO Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
HAPO Community Credit Union
Website
https://www.hapo.org
Address
601 Williams Blvd,
Richland, WA 99354
Phone
509-943-5676
Fax
509-946-8787
President
Ken Hohenberg
CEO
Scott Mitchell
Full-Time Employees
580
Part-Time Employees
20
Branch Locations
27
ATM Locations
26
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
1.14%
Return on Assets (ROA)
0.3454%
Return on Equity (ROE)
3.3161%
Non-Performing Loans Ratio (NPL)
0.19%
Total Assets
3,088,375,005
Total Amount of Shares and Deposits
2,658,150,229
Total Shares and Deposits < 1 Year
2,613,899,179
Total Shares and Deposits 1 3 Years
36,232,135
Total Shares and Deposits > 3 Years
8,018,915
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
450,414,882
Total Uninsured Shares and Deposits > $250K (F+J)
473,414,882
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,184,735,347
Total Interest Expense (Sum of items 6 8)
9,392,054
Share Certificates
9,681
Number of Accounts for Share Drafts
144,270
IRA KEOGH Accounts
2,639
Number of Accounts for Regular Shares
239,601
All other shares
1,095
Non Member Deposits
8
Money Market Shares
4,490
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
593,202,297
Total Liabilities
2,769,736,691
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for HAPO Community Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for HAPO Community Credit Union
Frequently Asked Questions About HAPO Community Credit UnionHow many branches does HAPO Community Credit Union operate?HAPO Community Credit Union 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 HAPO Community Credit Union?Yes, to access services at HAPO Community Credit Union, 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, HAPO Community Credit Union 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, HAPO Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does HAPO Community Credit Union offer online and mobile banking?Most modern institutions like HAPO Community Credit Union 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://www.hapo.org. Current HAPO Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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