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HURON AREA EDUCATION

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HURON AREA EDUCATION Rates & Review October 2026

Q: How many branches does HURON AREA EDUCATION operate?

HURON AREA EDUCATION 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 HURON AREA EDUCATION?

Yes, to access services at HURON AREA EDUCATION, 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, HURON AREA EDUCATION 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, HURON AREA EDUCATION 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: October 1, 2026

HURON AREA EDUCATION's top rate as of October 1, 2026 is auto loans from 3.90% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of HURON AREA EDUCATION with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/01/2026.

HURON AREA EDUCATION 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 HURON AREA EDUCATION? Share your experience about HURON AREA EDUCATION by leaving a review below, or read customer reviews before you decide to use HURON AREA EDUCATION.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

HURON AREA EDUCATION
HAEFCU OFFICE

1855 Arizona Ave SW
HURON, SD 57350-6582

http://huronareaeducationfcu.com

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.

HURON AREA EDUCATION Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan Special	3.90%	-	3.90%	72 months
Rate History No change since Sep 30, 2026 · 3.90% APR · checked 2 times Details Limited funds available Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
New Autos	-	-	4.65%
Rate History No change since Sep 30, 2026 · 4.65% APR · checked 2 times Details As Low As; Rates effective as of 11/01/2022 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

HURON AREA EDUCATION RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Vehicles Loan	-	4.65%
Rate History No change since Sep 30, 2026 · 4.65% APR · checked 2 times Details As Low As; Rates effective as of 11/01/2022 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

HURON AREA EDUCATION Other Rates

Product	Rate	Points	APY/APR	Term	View More
Home Improvement Loan	-	-	7.99%
Rate History No change since Sep 30, 2026 · 7.99% APR · checked 2 times Details As Low As; Rates effective as of 11/01/2022 Last Updated 10/01/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

HURON AREA EDUCATION’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% in Q2 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

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	$19M	0.00%	5.0	A+
March 31, 2026	$18M	0.00%	5.0	A+
December 31, 2025	$18M	0.00%	5.0	A+
September 30, 2025	$18M	0.00%	5.0	A+
June 30, 2025	$17M	0.00%	5.0	A+
March 31, 2025	$17M	0.00%	5.0	A+
December 31, 2024	$17M	0.00%	5.0	A+
September 30, 2024	$17M	0.00%	5.0	A+
June 30, 2024	$17M	0.00%	5.0	A+
March 31, 2024	$17M	0.00%	5.0	A+
December 31, 2023	$15M	0.00%	5.0	A+
September 30, 2023	$16M	0.00%	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 HURON AREA EDUCATION 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 HURON AREA EDUCATION 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 HURON AREA EDUCATION's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name HURON AREA EDUCATION

Website http://huronareaeducationfcu.com

Address 1855 Arizona Ave SW, HURON, SD 57350-6582

Phone 605-352-1311

Fax 605-352-2979

President Robert DeBoer

CEO KRISTEN JURGENS

Full-Time Employees 3

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.00%

Return on Assets (ROA)

0.6516%

Return on Equity (ROE)

5.2375%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

18,781,503

Total Amount of Shares and Deposits

16,370,955

Total Shares and Deposits < 1 Year

15,213,971

Total Shares and Deposits 1 3 Years

1,156,984

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

250,363

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

250,363

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

16,120,592

Total Interest Expense (Sum of items 6 8)

128,595

Share Certificates

371

Number of Accounts for Share Drafts

390

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,146

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

122,374

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)

419,828

Total Liabilities

16,445,012

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

HURON AREA EDUCATION earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About HURON AREA EDUCATION

How many branches does HURON AREA EDUCATION operate?

HURON AREA EDUCATION 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 HURON AREA EDUCATION?

Yes, to access services at HURON AREA EDUCATION, 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, HURON AREA EDUCATION 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, HURON AREA EDUCATION provides members with tools to manage their accounts and build a solid financial history.

Does HURON AREA EDUCATION offer online and mobile banking?

Most modern institutions like HURON AREA EDUCATION 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://huronareaeducationfcu.com.