What are the current interest rates at Honor Credit Union?

Current rates for Honor Credit Union include: 12-Month CD: 1.50%, Savings: 0.01%, MMA: 0.25%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Honor Credit Union

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Honor Credit Union Rates & Review October 2026

Q: How many branches does Honor Credit Union operate?

Honor 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.

Q: Is a member application needed to join Honor Credit Union?

Yes, to access services at Honor 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.

Q: Is there a first-time homebuyer program?

Currently, Honor 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Honor Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 29, 2026

Honor Credit Union's top rates as of September 29, 2026 are 3.94% APY on its 8 Month IRA CD Special, 0.01% APY on savings, 0.25% APY on money market accounts, 6.12% on its MSHDA 30 Year Fixed mortgage, and personal loans from 11.99% APR, according to rates verified by MonitorBankRates. Other Honor Credit Union CD rates include 8-MONTH CD SPECIAL at 3.94%, Business 8-month special at 3.94%, and 12 month add-on at 1.50%. Other Honor Credit Union mortgage rates include Mortgage - Fixed - 15 Year Fixed at 7.00%, Mortgage - Fixed - 15 Year Fixed at 7.25%, and Mortgage - Fixed - 10 Year Fixed at 7.25%. MonitorBankRates evaluates the financial stability of Honor Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.27%. Rates last updated and verified on 09/29/2026.

Honor 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 Honor Credit Union? Share your experience about Honor Credit Union by leaving a review below, or read customer reviews before you decide to use Honor Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.27%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Honor Credit Union
Honor Credit Union

8385 Edgewood Rd
Berrien Springs, MI 49103-9004

https://www.honorcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Honor Credit Union CD Rates

Product	Rate	APY	Term
8 Month IRA Certificate Special	3.873%	3.94%	8-month
No additional details. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 3.94% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
8-MONTH CD SPECIAL	-	3.94%	8 months
Min Deposit $1,000 Details Not applicable for Public Funds. To receive the above stated 8-month CD Special at 3.94% APY, a minimum opening balance of $1,000 is required. CD is not eligible for rate protector benefit, a one-time rate bump over the course of the term. Early withdrawal penalty for 8-month CD special term is 90 days of interest. Fees could reduce earnings. The 8-month CD Special will renew at the standard 9-month CD terms upon maturity. Last Updated 09/29/2026 Rate History No change since Sep 18, 2026 · 3.94% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
12 month add-on	1.49%	1.50%	12 month
No additional details. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Honor Credit Union Business CD Rates

Product	Rate	APY	Term
Business 8-month special	3.873%	3.94%	8-month
No additional details. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 3.94% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Business 12 month add-on	1.49%	1.50%	12 month
No additional details. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Honor Credit Union Savings Rates

Product	Rate	APY
Health Savings (HSA)	0.25%	0.25%
No additional details. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Christmas Savings	0.01%	0.01%
No additional details. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Share Savings	0.01%	0.01%
Min Balance $5 Details Balances on $5.00 or more Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Vacation Savings	0.01%	0.01%
No additional details. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Honor Credit Union Business Savings Rates

Product	Rate	APY
Business Health Savings (HSA)	0.25%	0.25%
No additional details. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Business Share Savings	0.01%	0.01%
Min Balance $5 Details Balances on $5.00 or more Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Honor Credit Union Money Market Rates

Product	Rate	APY
Surge Money Market	-	4.00%
Min Deposit $0 Details Rates accurate as of 11/1/24. Surge Money Market is a blended tiered rate account which pays a different rate on the amount of funds in each tier. Each rate will apply only to the portion of the account balance within each tier and not the entire account balance. A higher daily balance, when moving up the tiers, will result in a lower APY being earned. One account per membership. Rates are variable and subject to change without notice. Insured by NCUA. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Amplify Money Market Rate	2.87%	3.37%
Min Balance $0 Last Updated 09/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.37% → 3.37% ▼ 0.00 pts · high 3.37% / low 0.50% Sep 22, 20263.37%▲ from 0.50% Sep 18, 20260.50%▼ from 3.37% Sep 14, 20263.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Amplify Money Market Rate	0.50%	0.50%
Min Balance $0 Details Bonus APY: 3.37% Last Updated 09/29/2026 Rate History 1 change since Sep 14, 2026 · 3.37% → 0.50% ▼ 2.87 pts · high 3.37% / low 0.50% Sep 18, 20260.50%▼ from 3.37% Sep 14, 20263.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Honor Credit Union Business Money Market Rates

Product	Rate	APY
Business Amplify Money Market Rate	2.11%	2.36%
Min Balance $0 Last Updated 09/29/2026 Rate History 2 changes since Sep 14, 2026 · 2.36% → 2.36% ▼ 0.00 pts · high 2.36% / low 0.25% Sep 22, 20262.36%▲ from 0.25% Sep 18, 20260.25%▼ from 2.36% Sep 14, 20262.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Business Momentum Money Market	1.78%	1.80%
Min Balance $2,000,000 Details Balance: $2,000,000.00 - $10,000,000 Last Updated 09/29/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Business Momentum Money Market	1.49%	1.50%
Min Balance $1,000,000 Details Balance: $1,000,000.00 - $1,999,999.99 Last Updated 09/29/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Business Momentum Money Market	1.24%	1.25%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 09/29/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Business Momentum Money Market	0.99%	1.00%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 09/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Business Momentum Money Market	0.75%	0.75%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/29/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Business Momentum Money Market	0.45%	0.45%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 09/29/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Business Momentum Money Market	0.30%	0.30%
Min Balance $0 Details Balance: $0.01 - $24,999.99 Last Updated 09/29/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Business Amplify Money Market Rate	0.25%	0.25%
Min Balance $0 Details Bonus APY: 2.36% Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Honor Credit Union Checking Rates

Product	Rate	APY	View More
Benefits Checking	-	5.15%
Min Deposit $25 Details Qualifications Required: e-Statements; Direct Deposit; at least 20 debit card transactions per month that clear your account as signature-based or PIN-based point of sale (POS) debit transactions; minimum 1 monthly online banking login; Rates accurate as of 5/4/26. Earn the 5.15% APY on balances of up to $10,000.00. Members not meeting the Dividend Requirements will not earn dividends. ^ATM foreign surcharge fees will be refunded monthly up to $20/month. Members not meeting requirements will not earn ATM foreign surcharge fee refunds. One account per Member. Rate is variable and may change after account is opened. Insured by NCUA. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 5.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Honor Credit Union Business Checking Rates

Product	Rate	APY	View More
Accelerate Business Checking Account	1.00%	1.00%
Min Deposit $25 Details Qualifications Required: e-Statements; minimum of five incoming or outgoing ACH transactions; minimum one monthly online banking login per month; 1.00% APY earned on balances of up to $100,000.00. Requires e-Statements, minimum of five incoming or outgoing ACH transactions and minimum one monthly online banking login per month to earn 1.00% APY. If any of the monthly requirements are failed to be met, monthly interest for that period will not be accrued. One account per business member. Fees may reduce earnings. Annual Percentage Yield (APY) as of 12/1/2020; Rate is variable and may change after account is opened. Insured By NCUA. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Honor Credit Union Mortgage Rates

Product	Rate	Points	APR
MSHDA 30 Year Fixed	6.125%	0.000%	6.242%
No additional details. Last Updated 10/02/2026 Rate History No change since Oct 2, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Mortgage - Fixed - 15 Year Fixed	7.00%	0.750%	7.261%
No additional details. Last Updated 10/02/2026 Rate History No change since Oct 2, 2026 · 7.26% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Mortgage - Fixed - 15 Year Fixed	7.25%	0.000%	7.39%
No additional details. Last Updated 10/02/2026 Rate History No change since Oct 2, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Mortgage - Fixed - 10 Year Fixed	7.25%	0.000%	7.445%
No additional details. Last Updated 10/02/2026 Rate History No change since Oct 2, 2026 · 7.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Mortgage - Fixed - 30 Year Fixed	7.375%	0.750%	7.541%
No additional details. Last Updated 10/02/2026 Rate History No change since Oct 2, 2026 · 7.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Mortgage - Fixed - 30 Year Fixed	7.625%	0.000%	7.715%
No additional details. Last Updated 10/02/2026 Rate History No change since Oct 2, 2026 · 7.72% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Mortgage - Fixed - 20 Year Fixed	7.625%	0.000%	7.74%
No additional details. Last Updated 10/02/2026 Rate History No change since Oct 2, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Mortgage - Fixed - FHA 30 Year Fixed	7.25%	0.750%	7.967%
No additional details. Last Updated 10/02/2026 Rate History No change since Oct 2, 2026 · 7.97% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Mortgage - Fixed - FHA 30 Year Fixed	7.50%	0.000%	8.141%
No additional details. Last Updated 10/02/2026 Rate History No change since Oct 2, 2026 · 8.14% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
RD 30 Year Fixed	7.625%	0.000%	8.175%
No additional details. Last Updated 10/02/2026 Rate History No change since Oct 2, 2026 · 8.18% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Honor Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Advantage HELOC	7.00%	-	7.00%
No additional details. Last Updated 10/02/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Interest-Only HELOC	7.00%	-	7.00%
No additional details. Last Updated 10/02/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Traditional HELOC	7.00%	-	7.00%
No additional details. Last Updated 10/02/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Home Equity 10 Year Fixed	7.00%	-	7.682%	10 Year
No additional details. Last Updated 10/02/2026 Rate History No change since Sep 14, 2026 · 7.68% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Home Equity 15 Year Fixed	7.50%	-	7.996%	15 Year
No additional details. Last Updated 10/02/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Home Equity 5 Year Fixed	6.75%	-	8.007%	5 Year
No additional details. Last Updated 10/02/2026 Rate History No change since Sep 14, 2026 · 8.01% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Honor Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.99%
Details As low as 4.99% APR* Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Honor Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
ATV, Snowmobile, & Jet Ski Loan	-	7.24%	Up to 48 months
Details Rates accurate as of Sep 29, 2026 Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
ATV, Snowmobile, & Jet Ski Loan	-	7.64%	49 - 60 months
Details Rates accurate as of Sep 29, 2026 Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 7.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
ATV, Snowmobile, & Jet Ski Loan	-	8.34%	61 - 75 months
Details Rates accurate as of Sep 29, 2026 Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 8.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
ATV, Snowmobile, & Jet Ski Loan	-	8.74%	76 - 84 months
Details Rates accurate as of Sep 29, 2026 Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
ATV, Snowmobile, & Jet Ski Loan	-	9.44%	85 - 96 months
Details Rates accurate as of Sep 29, 2026 Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 9.44% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Honor Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	11.99%	Up to 24 months
No additional details. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Personal Loan	12.99%	Up to 36 months
No additional details. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Personal Loan	13.99%	Up to 48 months
No additional details. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Personal Loan	14.99%	Up to 60 months
No additional details. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 14.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Honor Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10 Year Balloon Loan	7.875%	-	8.008%	10 Year
Last Updated 09/29/2026 Rate History 2 changes since Sep 14, 2026 · 7.51% → 8.01% ▲ 0.50 pts · high 8.01% / low 7.51% Sep 29, 20268.01%▲ from 7.76% Sep 18, 20267.76%▲ from 7.51% Sep 14, 20267.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
5.5 Year Balloon Loan	6.625%	-	6.82%	5.5 Year Balloon
Last Updated 09/29/2026 Rate History 2 changes since Sep 18, 2026 · 5.40% → 6.82% ▲ 1.42 pts · high 6.82% / low 5.40% Sep 29, 20266.82%▲ from 6.57% Sep 22, 20266.57%▲ from 5.40% Sep 18, 20265.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
7 Year Balloon Loan	7.125%	-	7.289%	7 Year
Last Updated 09/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.79% → 7.29% ▲ 0.50 pts · high 7.29% / low 6.79% Sep 29, 20267.29%▲ from 7.04% Sep 18, 20267.04%▲ from 6.79% Sep 14, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
12 Month Business Rate Protector, IRA, Roth IRA, HSA, Coverdell Education Certificate	1.49%	-	1.50%	12 months
Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
18 Month Business Rate Protector, IRA, Roth IRA, HSA, Coverdell Education Certificate	1.49%	-	1.50%	18 months
Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
24 Month Business Rate Protector, IRA, Roth IRA, HSA, Coverdell Education Certificate	1.588%	-	1.60%	24 months
Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 1.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
3 Month Business Rate Protector, IRA, Roth IRA, HSA, Coverdell Education Certificate	0.499%	-	0.50%	3 months
Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
30 Month Business Rate Protector, IRA, Roth IRA, HSA, Coverdell Education Certificate	1.588%	-	1.60%	30 months
Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 1.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
36 Month Business Rate Protector, IRA, Roth IRA, HSA, Coverdell Education Certificate	1.933%	-	1.95%	36 months
Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 1.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
48 Month Business Rate Protector, IRA, Roth IRA, HSA, Coverdell Education Certificate	2.031%	-	2.05%	48 months
Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 2.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
6 Month Business Rate Protector, IRA, Roth IRA, HSA, Coverdell Education Certificate	1.243%	-	1.25%	6 months
Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
60 Month Business Rate Protector, IRA, Roth IRA, HSA, Coverdell Education Certificate	2.129%	-	2.15%	60 months
Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
9 Month Business Rate Protector, IRA, Roth IRA, HSA, Coverdell Education Certificate	1.243%	-	1.25%	9 months
Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%
Accelerate Business Checking Account	-	-	1.00%
Min Deposit $25 Details Qualifications Required: e-Statements; minimum of five incoming or outgoing ACH transactions; minimum one monthly online banking login per month; APY = Annual Percentage Yield. Requires e-Statements, minimum of five incoming or outgoing ACH transactions and minimum one monthly online banking login per month to earn 1.00% APY. If any of the monthly requirements are failed to be met, monthly interest for that period will not be accrued. One account per business member. Fees may reduce earnings. Annual Percentage Yield (APY) as of 12/1/2020; Rate is variable and may change after account is opened. Insured By NCUA. Last Updated 09/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.27%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Honor Credit Union’s Texas Ratio stayed near 5.36% in Q3 2023 to 5.27% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.9B	5.27%	5.0	A+
March 31, 2026	$1.9B	4.83%	5.0	A+
December 31, 2025	$1.8B	6.92%	5.0	A
September 30, 2025	$1.8B	5.50%	5.0	A+
June 30, 2025	$1.8B	5.20%	5.0	A+
March 31, 2025	$1.8B	4.48%	5.0	A+
December 31, 2024	$1.7B	6.20%	5.0	A
September 30, 2024	$1.7B	6.97%	5.0	A
June 30, 2024	$1.7B	7.41%	5.0	A
March 31, 2024	$1.7B	4.99%	5.0	A+
December 31, 2023	$1.7B	6.06%	5.0	A
September 30, 2023	$1.7B	5.36%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Honor 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 Honor 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 Honor Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Honor Credit Union

Website https://www.honorcu.com

Address 8385 Edgewood Rd, Berrien Springs, MI 49103-9004

Phone 269-983-6357

Fax 269-983-3445

President Brian Brown

CEO Scott McFarland

Full-Time Employees 500

Part-Time Employees 12

Branch Locations 27

ATM Locations 28

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.27%

Return on Assets (ROA)

0.4334%

Return on Equity (ROE)

3.5643%

Non-Performing Loans Ratio (NPL)

0.92%

Total Assets

1,883,528,208

Total Amount of Shares and Deposits

1,623,366,508

Total Shares and Deposits < 1 Year

1,608,662,870

Total Shares and Deposits 1 3 Years

10,085,180

Total Shares and Deposits > 3 Years

4,618,456

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

156,321,798

Total Uninsured Shares and Deposits > $250K (F+J)

156,321,798

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,467,044,710

Total Interest Expense (Sum of items 6 8)

13,455,118

Share Certificates

8,711

Number of Accounts for Share Drafts

81,487

IRA KEOGH Accounts

2,632

Number of Accounts for Regular Shares

131,410

All other shares

1,589

Money Market Shares

38,355

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)

126,582,637

Total Liabilities

1,666,853,881

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Honor Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Honor Credit Union

How many branches does Honor Credit Union operate?

Honor 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 Honor Credit Union?

Yes, to access services at Honor 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, Honor 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, Honor Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Honor Credit Union offer online and mobile banking?

Most modern institutions like Honor 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.honorcu.com.

Current Honor Credit Union Rates

12-Month CD1.50%
Savings0.01%
MMA0.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Honor Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Honor Credit Union Texas Ratio

Honor Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Honor Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Honor Credit Union

How many branches does Honor Credit Union operate?

Is a member application needed to join Honor Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Honor Credit Union offer online and mobile banking?

Current Honor Credit Union Rates

Compare to Other Credit Unions