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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.
HUD Rates & Review April 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: April 19, 2026
HUD's IRA CD 60 Month rates are at 1.51%, 60 Month CD rates are at 1.41%, IRA CD 60 Month rates are at 1.36%, IRA CD 48 Month rates are at 1.26%, IRA CD 60 Month rates are at 1.26%. HUD's savings rates are at 0.05%. HUD's money market rates are at 0.15%. HUD's Personal Loan Rates are at 10.00%. MonitorBankRates evaluates the financial stability of HUD with a 2.3 Star Rating, an C- Overall Health Grade, and a Texas Ratio of 4.83%. Rates were last updated on 04/19/2026. HUD 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 HUD? Share your experience about HUD by leaving a review below, or read customer reviews before you decide to use HUD. First National B&T Co. of Ardmore
HUD 451 7th St Sw Rm 3241
http://www.hudfcu.org Washington, DC 20410 
HUD CD Rates
HUD Savings Rates
HUD Money Market Rates
HUD Checking Rates
HUD Auto Loan Rates
HUD Credit Card Rates
HUD Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for HUD 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 HUD 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 HUD's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
HUD
Website
http://www.hudfcu.org
Address
451 7th St Sw Rm 3241,
Washington, DC 20410
Phone
202-863-2800
Fax
202-863-0131
President
Otis Collins
CEO
Jonathan Hefter
Full-Time Employees
7
Part-Time Employees
1
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
2.3 / 5.0 ★
Overall Health & Safety Grade
C- (71/100)
Texas Ratio
4.83%
Return on Assets (ROA)
-0.5855%
Return on Equity (ROE)
-13.5678%
Non-Performing Loans Ratio (NPL)
0.28%
Total Assets
45,481,042
Total Amount of Shares and Deposits
43,789,939
Total Shares and Deposits < 1 Year
42,333,388
Total Shares and Deposits 1 3 Years
1,057,732
Total Shares and Deposits > 3 Years
398,819
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,239,297
Total Uninsured Shares and Deposits > $250K (F+J)
3,239,297
Total Insured Shares and Deposits > $250K (item 17 less item K)
40,550,642
Total Interest Expense (Sum of items 6 8)
211,937
Share Certificates
259
Number of Accounts for Share Drafts
1,533
IRA KEOGH Accounts
156
Number of Accounts for Regular Shares
3,093
Money Market Shares
69
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,545,042
Total Liabilities
43,853,612
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About HUDIs HUD a safe place to deposit money?Yes, HUD is considered a safe financial institution. With a Texas Ratio of 4.8324737671824%, 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 HUD operate?HUD 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 HUD?Yes, to access services at HUD, 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, HUD 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, HUD provides members with tools to manage their accounts and build a solid financial history. Does HUD offer online and mobile banking?Most modern institutions like HUD 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: http://www.hudfcu.org. Current HUD Rates
Retrieved from our database of financial products. Rates subject to change.
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