What are the current interest rates at HAPO Community Credit Union?

Current rates for HAPO Community Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 4.10%, 24-Month CD: 3.80%, 60-Month CD: 3.25%, Savings: 0.05%

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HAPO Community Credit Union

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HAPO Community Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

HAPO Community Credit Union's top rates as of October 14, 2026 are 4.10% APY on its CD Account - 18 Month, 0.05% APY on savings, 0.01% APY on checking, personal loans from 10.99% APR, and credit cards from 13.75% APR, according to rates verified by MonitorBankRates. Other HAPO Community Credit Union CD rates include Commercial CD Account - 18 Month at 4.10%, CD Account - 12 Month at 4.00%, and Commercial CD Account - 12 Month at 4.00%. 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 1.09%. Rates last updated and verified on 10/14/2026.

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.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.09%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

HAPO Community Credit Union
Richland

601 Williams Blvd
Richland, WA 99354

https://www.hapo.org

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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.

HAPO Community Credit Union CD Rates

Product	Rate	APY	Term
Certificate Account - 18 Month	4.04%	4.10%	18 Month
Min Balance $100 Details Fixed Rate Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 4.10% ▲ 1.10 pts · high 4.10% / low 3.00% Oct 14, 20264.10%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Certificate Account - 12 Month	3.94%	4.00%	12 Month
Min Balance $100 Details Fixed Rate; Add-on deposits in $100 increments allowed through the term Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 4.00% ▲ 0.70 pts · high 4.00% / low 3.30% Oct 14, 20264.00%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Certificate Account - 24 Month	3.75%	3.80%	24 Month
Min Balance $100 Details Fixed Rate Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.85% → 3.80% ▲ 0.95 pts · high 3.80% / low 2.85% Oct 14, 20263.80%▲ from 2.85% Sep 14, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Certificate Account - 6 Month	3.55%	3.60%	6 Month
Min Balance $100 Details Fixed Rate; Add-on deposits in $100 increments allowed through the term Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Fixed Rate 6 Month	3.55%	3.60%	6 Month
Min Balance $100 Details IRA fixed rate time deposit; rates effective 10/6/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
IRA Certificate - 6 Month	3.55%	3.60%	6 Month
Min Deposit $100 Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Time Deposit - 6 Month	3.55%	3.60%	6 Month
Min Balance $100 Details IRA; Fixed Rate; Rates effective 10/6/2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Certificate Account - 30 Month	3.21%	3.25%	30 Month
Min Balance $100 Details Fixed Rate Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85% Oct 14, 20263.25%▲ from 2.85% Sep 14, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Certificate Account - 36 Month	3.21%	3.25%	36 Month
Min Balance $100 Details Fixed Rate Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85% Oct 14, 20263.25%▲ from 2.85% Sep 14, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Certificate Account - 48 Month	3.21%	3.25%	48 Month
Min Balance $100 Details Fixed Rate Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85% Oct 14, 20263.25%▲ from 2.85% Sep 14, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Certificate Account - 60 Month	3.21%	3.25%	60 Month
Min Balance $100 Details Fixed Rate Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85% Oct 14, 20263.25%▲ from 2.85% Sep 14, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Fixed Rate 30 Month	3.21%	3.25%	30 Month
Min Balance $100 Details IRA fixed rate time deposit; rates effective 10/6/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Fixed Rate 36 Month	3.21%	3.25%	36 Month
Min Balance $100 Details IRA fixed rate time deposit; rates effective 10/6/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Fixed Rate 48 Month	3.21%	3.25%	48 Month
Min Balance $100 Details IRA fixed rate time deposit; rates effective 10/6/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Fixed Rate 60 Month	3.21%	3.25%	60 Month
Min Balance $100 Details IRA fixed rate time deposit; rates effective 10/6/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
IRA Certificate - 30 Month	3.21%	3.25%	30 Month
Min Deposit $100 Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85% Oct 14, 20263.25%▲ from 2.85% Sep 22, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
IRA Certificate - 36 Month	3.21%	3.25%	36 Month
Min Deposit $100 Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85% Oct 14, 20263.25%▲ from 2.85% Sep 22, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
IRA Certificate - 48 Month	3.21%	3.25%	48 Month
Min Deposit $100 Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85% Oct 14, 20263.25%▲ from 2.85% Sep 22, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
IRA Certificate - 60 Month	3.21%	3.25%	60 Month
Min Deposit $100 Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85% Oct 14, 20263.25%▲ from 2.85% Sep 22, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Time Deposit - 30 Month	3.21%	3.25%	30 Month
Min Balance $100 Details IRA; Fixed Rate; Rates effective 10/6/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85% Oct 14, 20263.25%▲ from 2.85% Sep 14, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Time Deposit - 36 Month	3.21%	3.25%	36 Month
Min Balance $100 Details IRA; Fixed Rate; Rates effective 10/6/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85% Oct 14, 20263.25%▲ from 2.85% Sep 14, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Time Deposit - 48 Month	3.21%	3.25%	48 Month
Min Balance $100 Details IRA; Fixed Rate; Rates effective 10/6/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85% Oct 14, 20263.25%▲ from 2.85% Sep 14, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Time Deposit - 60 Month	3.21%	3.25%	60 Month
Min Balance $100 Details IRA; Fixed Rate; Rates effective 10/6/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.85% → 3.25% ▲ 0.40 pts · high 3.25% / low 2.85% Oct 14, 20263.25%▲ from 2.85% Sep 14, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

HAPO Community Credit Union Business CD Rates

Product	Rate	APY	Term
Commercial Certificate Account - 18 Month	4.04%	4.10%	18 Month
Min Balance $5,000 Details Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Commercial Certificate Account - 12 Month	3.94%	4.00%	12 Month
Min Balance $5,000 Details Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Commercial Certificate Account - 24 Month	3.75%	3.80%	24 Month
Min Balance $5,000 Details Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Commercial Certificate Account - 6 Month	3.55%	3.60%	6 Month
Min Balance $5,000 Details Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Commercial Certificate Account - 30 Month	3.21%	3.25%	30 Month
Min Balance $5,000 Details Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Commercial Certificate Account - 36 Month	3.21%	3.25%	36 Month
Min Balance $5,000 Details Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Commercial Certificate Account - 48 Month	3.21%	3.25%	48 Month
Min Balance $5,000 Details Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Commercial Certificate Account - 60 Month	3.21%	3.25%	60 Month
Min Balance $5,000 Details Fixed Rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

HAPO Community Credit Union Savings Rates

Product	Rate	APY	View More
Savings	-	0.05%
Details Minimum Balance: No Minimum Balance; Dividend Rate and APY may change monthly; Dividends compounded and credited quarterly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

HAPO Community Credit Union Checking Rates

Product	Rate	APY	View More
Consumer Checking	-	0.01%
Min Balance $2,500 Details $2500 to earn Dividends; Dividends paid only if average daily balance is $2,500 or greater Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

HAPO Community Credit Union Business Checking Rates

Product	Rate	APY	View More
Commercial Premier Checking	-	0.01%
Min Balance $2,000 Details $2000 to earn Dividends; Dividends paid only if average daily balance is $2,000 or greater Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

HAPO Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity One-Time Close Construction Loan 15-Year Fixed	6.25%	-	6.59%	180 Months
Details Interest only payments during construction; Fixed 180 Months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity One-Time Close Construction Loan 10-Year Fixed	6.25%	-	6.712%	120 Months
Details Interest only payments during construction; Fixed 120 Months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.71% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity One-Time Close Construction Loan 30-Year Fixed	6.75%	-	6.974%	360 Months
Details Interest only payments during construction; Fixed 360 Months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.97% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity One-Time Close Construction Loan 20-Year Fixed	6.75%	-	7.03%	240 Months
Details Interest only payments during construction; Fixed 240 Months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.03% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity Purchase or Refinance (No Cash-Out) 15-Year Fixed	6.875%	-	7.343%	180 Months
Details Fixed 180 Months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity VA Purchase / No Cash-Out Refinance 30-Year Fixed	7.25%	-	7.377%	360 Months
Details Fixed 360 Months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity VA Purchase / No Cash-Out Refinance 15-Year Fixed	7.25%	-	7.416%	180 Months
Details Fixed 180 Months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.42% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity Purchase or Refinance (No Cash-Out) 20-Year Fixed	7.50%	-	7.868%	240 Months
Details Fixed 240 Months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.87% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity Purchase or Refinance (No Cash-Out) 30-Year Fixed	7.625%	-	7.909%	360 Months
Details Fixed 360 Months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.91% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity Cash-Out Refinance 15-Year Fixed	7.50%	-	7.979%	180 Months
Details Fixed 180 Months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.98% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity FHA Purchase / No Cash-Out Refinance 30-Year Fixed	7.125%	-	8.013%	360 Months
Details Fixed 360 Months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.01% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity Cash-Out Refinance 30-Year Fixed	7.75%	-	8.049%	360 Months
Details Fixed 360 Months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.05% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity FHA Purchase / No Cash-Out Refinance 15-Year Fixed	7.25%	-	8.243%	180 Months
Details Fixed 180 Months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity Cash-Out Refinance 20-Year Fixed	7.875%	-	8.261%	240 Months
Details Fixed 240 Months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.26% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
15-Year Fixed Home Equity (Second Lien)	8.00%	-	8.318%	180 months
Details As Low As; LTV < 85%; Fixed 180 Months; First lien Home Equity Loans require an escrow account and borrower pays all fees Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 8.44% → 8.32% ▼ 0.13 pts · high 8.44% / low 8.32% Oct 14, 20268.32%▼ from 8.44% Oct 6, 20268.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Fixed Home Equity (Second Lien) 15-Year < 85% LTV	8.00%	-	8.318%	180 Months
Details As Low As; Fixed 180 Months; First lien Home Equity Loans require an escrow account and borrower pays all fees Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.32% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
10-Year Fixed Home Equity (Second Lien)	8.00%	-	8.445%	120 months
Details As Low As; LTV < 85%; Fixed 120 Months; First lien Home Equity Loans require an escrow account and borrower pays all fees Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 8.57% → 8.45% ▼ 0.13 pts · high 8.57% / low 8.45% Oct 14, 20268.45%▼ from 8.57% Oct 6, 20268.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Fixed Home Equity (Second Lien) 10-Year < 85% LTV	8.00%	-	8.445%	120 Months
Details As Low As; Fixed 120 Months; First lien Home Equity Loans require an escrow account and borrower pays all fees Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity Land Loan - Residential (Purchase) 5-Year < 70% LTV	8.25%	-	8.745%	5-Year
Details Amortized over 15 years with a balloon due in 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity Land Loan - Residential (Purchase) 5-Year < 80% LTV	8.75%	-	9.254%	5-Year
Details Amortized over 15 years with a balloon due in 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

HAPO Community Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto/Motorcycle	-	-	5.24%
Details Year: 2018 and Newer; APR range: 5.24% to 17.99%; Rates effective as of 2/1/2026; $50 Loan Processing Fee Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Auto/Motorcycle	-	-	6.24%
Details Year: 2007-2017; APR range: 6.24% to 17.99%; Rates effective as of 2/1/2026; $50 Loan Processing Fee Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
All-Terrain, Off-Road Vehicle - 2018 and Newer Loan	-	-	8.49%
Details Published APR range: 8.49% to 17.99%. Model Year: 2018 and Newer; Rates effective as of 2/1/2026; $50 Loan Processing Fee Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
All-Terrain, Off-Road Vehicle Loan	-	-	8.49%
Details Year: 2018 and Newer; APR range: 8.49% to 17.99%; Rates effective as of 2/1/2026; $50 Loan Processing Fee Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

HAPO Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boat, Motorhome, Travel Trailer - 2008 and Newer Loan	-	7.99%
Details Published APR range: 7.99% to 17.99%. Model Year: 2008 and Newer; Rates effective as of 2/1/2026; $50 Loan Processing Fee Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Boat, Motorhome, Travel Trailer Loan	-	7.99%
Details Year: 2008 and Newer; APR range: 7.99% to 17.99%; Rates effective as of 2/1/2026; $50 Loan Processing Fee Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

HAPO Community Credit Union Credit Card Rates

Product	Rate	APR
Credit Card - Low Rate	-	13.75%
Details As Low As; Currently as low as; Visa APR varies with the market based on the Prime Rate as reported in the Wall Street Journal and credit score; Visa credit card APR range of Prime + 7.00% to Prime + 21.75% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Low Rate Credit Card	-	13.75%
Details As Low As; Maximum Term: Revolving; Conditions: * Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Visa Credit Card - Low Rate	-	13.75%
Details As Low As; (Currently as low as); Visa credit card APR range of Prime + 7.00% to Prime + 21.75% depending on credit score and program; APR varies with the market based on the Prime Rate as reported in the Wall Street Journal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Business Credit Card	-	15.24%
Details As Low As; Maximum Term: Revolving; Conditions: Must apply at one of our convenient branch locations Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 15.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Credit Card - Business	-	15.24%
Details As Low As; Currently as low as; Must apply at one of our convenient branch locations; Visa APR varies with the market based on the Prime Rate as reported in the Wall Street Journal and credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 15.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Visa Credit Card - Business	-	15.24%
Details As Low As; (Currently as low as); Must apply at one of our convenient branch locations; Visa credit card APR range of Prime + 7.00% to Prime + 21.75% depending on credit score and program; APR varies with the market based on the Prime Rate as reported in the Wall Street Journal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 15.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Cash Back Credit Card	-	16.75%
Details As Low As; Maximum Term: Revolving; Conditions: * Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 16.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Credit Card - Cash Back	-	16.75%
Details As Low As; Currently as low as; Visa APR varies with the market based on the Prime Rate as reported in the Wall Street Journal and credit score; Visa credit card APR range of Prime + 7.00% to Prime + 21.75% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 16.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Visa Credit Card - Cash Back	-	16.75%
Details As Low As; (Currently as low as); Visa credit card APR range of Prime + 7.00% to Prime + 21.75% depending on credit score and program; APR varies with the market based on the Prime Rate as reported in the Wall Street Journal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 16.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Youth Credit Card	-	18.00%
Details Learn More Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

HAPO Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	10.99%
Details APR range: 10.99% to 17.99%; rates are effective as of 8/4/2025; rates based on credit evaluation and may be higher than the lowest rate advertised Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

HAPO Community Credit Union Other Rates

Product	Rate	Points	APY/APR
Timeline Loan	-	-	16.00%
Details Rates are effective as of 8/4/2025 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 16.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
IRA Time Deposit - Variable Rate	4.21%	-	4.29%
Min Deposit $1 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.29% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Time Deposit - Variable Rate	4.21%	-	4.29%
Min Balance $1 Details IRA; Time Deposit-Variable Rate; Rates effective 10/6/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.29% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

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

HAPO Community Credit Union’s Texas Ratio fell from 2.11% in Q3 2023 to 1.09% in Q2 2026, so its financial health has improved and is now 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	$3.0B	1.09%	5.0	A+
March 31, 2026	$3.1B	1.14%	5.0	A+
December 31, 2025	$3.0B	1.84%	5.0	A+
September 30, 2025	$3.0B	1.93%	5.0	A+
June 30, 2025	$2.4B	2.34%	5.0	A+
March 31, 2025	$2.4B	1.93%	5.0	A+
December 31, 2024	$2.4B	2.15%	5.0	A+
September 30, 2024	$2.4B	2.23%	5.0	A+
June 30, 2024	$2.4B	2.18%	5.0	A+
March 31, 2024	$2.4B	2.47%	5.0	A+
December 31, 2023	$2.4B	2.36%	5.0	A+
September 30, 2023	$2.4B	2.11%	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 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 William Tanner

CEO Scott Mitchell

Full-Time Employees 585

Part-Time Employees 19

Branch Locations 27

ATM Locations 26

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.09%

Return on Assets (ROA)

0.7810%

Return on Equity (ROE)

6.9746%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

2,985,482,890

Total Amount of Shares and Deposits

2,568,255,508

Total Shares and Deposits < 1 Year

2,527,154,111

Total Shares and Deposits 1 3 Years

34,257,367

Total Shares and Deposits > 3 Years

6,844,030

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

375,779,673

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

398,779,673

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

2,169,475,835

Total Interest Expense (Sum of items 6 8)

21,831,425

Share Certificates

9,853

Number of Accounts for Share Drafts

144,625

IRA KEOGH Accounts

2,620

Number of Accounts for Regular Shares

239,632

All other shares

1,078

Non Member Deposits

Money Market Shares

4,447

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)

475,019,683

Total Liabilities

2,655,351,330

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

HAPO Community Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for HAPO Community Credit Union

Frequently Asked Questions About HAPO Community Credit Union

How 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

12-Month CD4.00%
18-Month CD4.10%
24-Month CD3.80%
60-Month CD3.25%
Savings0.05%

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

Compare to Other Credit Unions

HAPO Community Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

HAPO Community Credit Union Texas Ratio

HAPO Community Credit Union Health Trend

HAPO Community Credit Union CD Rates

HAPO Community Credit Union Business CD Rates

HAPO Community Credit Union Savings Rates

HAPO Community Credit Union Checking Rates

HAPO Community Credit Union Business 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 History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

HAPO Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About HAPO Community Credit Union

How many branches does HAPO Community Credit Union operate?

Is a member application needed to join HAPO Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does HAPO Community Credit Union offer online and mobile banking?

Current HAPO Community Credit Union Rates

Compare to Other Credit Unions