What are the current interest rates at Hartford Federal Credit Union?

Current rates for Hartford Federal Credit Union include: 12-Month CD: 2.27%, 24-Month CD: 2.02%, 60-Month CD: 2.02%

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Hartford Federal Credit Union

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Hartford Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hartford Federal 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 13, 2026

Hartford Federal Credit Union's top rates as of October 13, 2026 are 2.78% APY on its 2.5 Year CD and IRA CD, personal loans from 11.00% APR, and credit cards from 13.74% APR, according to rates verified by MonitorBankRates. Other Hartford Federal Credit Union CD rates include 3 Year CD and IRA CD at 2.78%, 5 Year CD and IRA CD at 2.53%, and 6 Month CD and IRA CD at 2.53%. MonitorBankRates evaluates the financial stability of Hartford Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.41%. Rates last updated and verified on 10/13/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.41%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Hartford Federal Credit Union
Main Office

964 Asylum Ave
Hartford, CT 06105

https://www.hartfordfcu.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.

Hartford Federal Credit Union CD Rates

Product	Rate	APY	Term
2.5 Year Certificate and IRA Certificate	2.75%	2.78%	2.5 Year
Details Certificate and IRA Certificate Rates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.78% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
3 Year Certificate and IRA Certificate	2.75%	2.78%	3 Year
Details Certificate and IRA Certificate Rates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.78% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
5 Year Certificate and IRA Certificate	2.50%	2.53%	5 Year
Details Certificate and IRA Certificate Rates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.53% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
6 Month Certificate and IRA Certificate	2.50%	2.53%	6 Months
Details Certificate and IRA Certificate Rates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.53% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
1 Year Certificate and IRA Certificate	2.25%	2.27%	1 Year
Details Certificate and IRA Certificate Rates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.27% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
1.5 Year Certificate and IRA Certificate	2.00%	2.02%	1.5 Year
Details Certificate and IRA Certificate Rates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
2 Year Certificate and IRA Certificate	2.00%	2.02%	2 Year
Details Certificate and IRA Certificate Rates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
3 Month Certificate and IRA Certificate	1.00%	1.00%	3 Months
Details Certificate and IRA Certificate Rates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

Hartford Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Mortgage Refinance - Home Equity Loan Special - 15-Year Special	-	-	5.937%	15 years
Details Loan amount greater than $75,000; Fee: $299 Intent to Proceed Fee, $700 Closing Fee; Includes 1% discount for direct deposit; Special rate for first-lien position loans; Rate may be higher based on credit history; APR based on a $250,000 loan Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.81% → 5.94% ▲ 0.13 pts · high 5.94% / low 5.81% Sep 21, 20265.94%▲ from 5.81% Sep 14, 20265.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Home Equity Loan - 10-Year	-	-	5.99%	10-Year
Details Loan amount greater than $50,000; Repayment term per thousand: $11.10; Fee:; Loan to value ratio 80% or less; Includes 1% discount for direct deposit; Special rates for new loans only; Property insurance must be maintained; Rate may be higher based on credit history Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 5.99% ▼ 1.00 pts · high 6.99% / low 5.99% Oct 13, 20265.99%▼ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Mortgage Refinance - Home Equity Loan Special - 20-Year Special	-	-	6.30%	20 years
Details Loan amount greater than $75,000; Fee: $299 Intent to Proceed Fee, $700 Closing Fee; Includes 1% discount for direct deposit; Special rate for first-lien position loans; Rate may be higher based on credit history; APR based on a $250,000 loan Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.05% → 6.30% ▲ 0.25 pts · high 6.30% / low 6.05% Sep 21, 20266.30%▲ from 6.05% Sep 14, 20266.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Home Equity Loan - 15-Year	-	-	6.50%	15-Year
Details Loan amount greater than $50,000; Repayment term per thousand: $8.71; Fee:; Loan to value ratio 80% or less; Includes 1% discount for direct deposit; Special rates for new loans only; Property insurance must be maintained; Rate may be higher based on credit history Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 7.25% → 6.50% ▼ 0.75 pts · high 7.50% / low 6.50% Oct 13, 20266.50%▼ from 7.50% Sep 17, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Home Equity Loan - 10-Year	-	-	6.99%	10-Year
Details Repayment term per thousand: $11.61; Fee:; Loan to value ratio 80% or less; Includes 1% discount for direct deposit; Special rates for new loans only; Property insurance must be maintained; Rate may be higher based on credit history Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Home Equity Line of Credit	-	-	7.00%	10 years
Details Term: 10-year draw period; 15-year repayment period; Variable APR based on Wall Street Journal prime rate, adjusted monthly; Prime Rate is 7.00% APR as of 09/16/2026; maximum APR 18%, minimum rate 3%; interest-only payments during draw period; lines up to 80% loan-to-value; owner-occupied 1-4 family Connecticut properties only; property insurance required; rate includes 1% discount for direct deposit; Fee:; no application or annual fees Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Home Equity Loan - 15-Year	-	-	7.50%	15-Year
Details Repayment term per thousand: $9.27; Fee:; Loan to value ratio 80% or less; Includes 1% discount for direct deposit; Special rates for new loans only; Property insurance must be maintained; Rate may be higher based on credit history Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Sep 17, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

Hartford Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans - NEW	-	-	3.99%	1 Year
Details Newer model auto loan; vehicles from current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - NEW	-	-	3.99%	2 Years
Details Newer model auto loan; vehicles from current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - NEW	-	-	3.99%	3 Years
Details Newer model auto loan; vehicles from current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - NEW	-	-	4.74%	4 Years
Details Newer model auto loan; vehicles from current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - USED	-	-	4.74%	1 Year
Details Used auto loan; model years 2020 or newer; maximum 125,000 miles; rates include 1% direct deposit discount Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - USED	-	-	4.74%	2 Years
Details Used auto loan; model years 2020 or newer; maximum 125,000 miles; rates include 1% direct deposit discount Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - USED	-	-	4.74%	3 Years
Details Used auto loan; model years 2020 or newer; maximum 125,000 miles; rates include 1% direct deposit discount Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - NEW	-	-	4.99%	5 Years
Details Newer model auto loan; vehicles from current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - USED	-	-	4.99%	4 Years
Details Used auto loan; model years 2020 or newer; maximum 125,000 miles; rates include 1% direct deposit discount Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - NEW	-	-	5.24%	6 Years
Details Newer model auto loan; vehicles from current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - USED	-	-	5.24%	5 Years
Details Used auto loan; model years 2020 or newer; maximum 125,000 miles; rates include 1% direct deposit discount Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - NEW	-	-	5.99%	7 Years
Details Newer model auto loan; vehicles from current or previous year with 7,500 miles or less; includes 1% direct deposit discount; actual rate may be higher based on credit history Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - USED	-	-	5.99%	6 Years
Details Used auto loan; model years 2020 or newer; maximum 125,000 miles; rates include 1% direct deposit discount Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - USED	-	-	6.49%	7 Years
Details Used auto loan; model years 2020 or newer; maximum 125,000 miles; rates include 1% direct deposit discount Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - CLASSIC	-	-	9.00%	1 Year
Details Model years 2019 and older; includes vehicles with over 125,000 miles; rates include 1% direct deposit discount; actual rate may be higher based on credit history Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - CLASSIC	-	-	9.00%	2 Years
Details Model years 2019 and older; includes vehicles with over 125,000 miles; rates include 1% direct deposit discount; actual rate may be higher based on credit history Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - CLASSIC	-	-	9.00%	3 Years
Details Model years 2019 and older; includes vehicles with over 125,000 miles; rates include 1% direct deposit discount; actual rate may be higher based on credit history Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - CLASSIC	-	-	9.50%	4 Years
Details Model years 2019 and older; includes vehicles with over 125,000 miles; rates include 1% direct deposit discount; actual rate may be higher based on credit history Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Auto Loans - CLASSIC	-	-	9.50%	5 Years
Details Model years 2019 and older; includes vehicles with over 125,000 miles; rates include 1% direct deposit discount; actual rate may be higher based on credit history Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

Hartford Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum Card	-	13.74%
Details Annual Percentage Rate will vary with the market based on the Prime Rate; $5,000 Minimum; Grace period for purchases 25 days; Cash advance grace period 0 days; Annual fees; Late payment fee $25.00; Over-the-credit limit fee $25.00 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Sep 17, 202613.74%▲ from 13.49% Sep 14, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
VISA Gold Card	-	15.65%
Details Annual Percentage Rate will vary with the market based on the Prime Rate; $5,000 Minimum; Grace period for purchases 25 days; Cash advance grace period 0 days; Annual fees; Late payment fee $25.00; Over-the-credit limit fee $25.00 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 15.40% → 15.65% ▲ 0.25 pts · high 15.65% / low 15.40% Sep 17, 202615.65%▲ from 15.40% Sep 14, 202615.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
VISA Classic Card	-	17.74%
Details Annual Percentage Rate will vary with the market based on the Prime Rate; $500 Minimum; Grace period for purchases 25 days; Cash advance grace period 0 days; Annual fees; Late payment fee $25.00; Over-the-credit limit fee $25.00 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 17.49% → 17.74% ▲ 0.25 pts · high 17.74% / low 17.49% Sep 17, 202617.74%▲ from 17.49% Sep 14, 202617.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

Hartford Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Unsecured Loans	11.00%	2 Years
Details up to $25,000; Requires direct deposit; Maximum loan is $25,000 per signer; Rates subject to change without notice Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 11.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Personal Unsecured Loans	11.50%	3 Years
Details up to $25,000; Requires direct deposit; Maximum loan is $25,000 per signer; Rates subject to change without notice Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 11.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Personal Unsecured Loans	12.50%	4 Years
Details up to $25,000; Requires direct deposit; Maximum loan is $25,000 per signer; Rates subject to change without notice Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 12.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Personal Unsecured Loans	13.50%	5 Years
Details up to $25,000; Requires direct deposit; Maximum loan is $25,000 per signer; Rates subject to change without notice Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 13.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

Hartford Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
KWIK KASH Line of Credit	-	-	16.00%	Revolving
Details Requires direct deposit; Maximum loan is $25,000 per signer; Rates subject to change without notice Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 16.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Gold-1	0.20%	-	0.20%
Min Balance $2,500 Details Balance: $2,500 to $9,999 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Gold-1	0.25%	-	0.25%
Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Gold-1	0.60%	-	0.60%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Gold-1	0.75%	-	0.75%
Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Gold-1	0.90%	-	0.90%
Min Balance $75,000 Details Balance: $75,000 to $99,999 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Gold-1	1.10%	-	1.10%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 1.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Gold-1	2.00%	-	2.00%
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Holiday & Vacation	0.05%	-	0.05%
Min Balance $100 Details Minimum balance to earn dividends: $100; Earnings could be reduced for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
IRA Accumulator	0.35%	-	0.35%
Details No minimum balance Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%
Share	0.01%	-	0.01%
Min Balance $100 Details Minimum balance to earn dividends: $100 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

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

Hartford Federal Credit Union’s Texas Ratio rose from 0.66% in Q3 2023 to 4.41% 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	$160M	4.41%	5.0	A+
March 31, 2026	$156M	4.49%	5.0	A+
December 31, 2025	$153M	5.21%	5.0	A+
September 30, 2025	$148M	4.15%	5.0	A+
June 30, 2025	$151M	4.28%	5.0	A+
March 31, 2025	$154M	4.42%	5.0	A+
December 31, 2024	$148M	4.50%	5.0	A+
September 30, 2024	$147M	4.48%	5.0	A+
June 30, 2024	$150M	4.55%	5.0	A+
March 31, 2024	$148M	1.72%	5.0	A+
December 31, 2023	$149M	0.81%	5.0	A+
September 30, 2023	$148M	0.66%	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 Hartford Federal 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 Hartford Federal 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 Hartford Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hartford Federal Credit Union

Website https://www.hartfordfcu.com

Address 964 Asylum Ave, Hartford, CT 06105

Phone 860-527-6663

Fax 860-527-2297

President Keisha Palmer

CEO Mary-Elizabeth Mazza

Full-Time Employees 35

Part-Time Employees 3

Branch Locations 4

ATM Locations 4

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.41%

Return on Assets (ROA)

0.4304%

Return on Equity (ROE)

3.3061%

Non-Performing Loans Ratio (NPL)

1.34%

Total Assets

159,643,066

Total Amount of Shares and Deposits

137,011,822

Total Shares and Deposits < 1 Year

135,880,535

Total Shares and Deposits 1 3 Years

986,438

Total Shares and Deposits > 3 Years

144,847

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

2,968,348

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

2,968,348

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

134,043,474

Total Interest Expense (Sum of items 6 8)

374,734

Share Certificates

319

Number of Accounts for Share Drafts

10,040

IRA KEOGH Accounts

329

Number of Accounts for Regular Shares

18,525

Money Market Shares

746

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

687,073

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)

7,469,011

Total Liabilities

139,136,254

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Hartford Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Hartford Federal Credit Union

How many branches does Hartford Federal Credit Union operate?

Hartford Federal 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 Hartford Federal Credit Union?

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

Does Hartford Federal Credit Union offer online and mobile banking?

Most modern institutions like Hartford Federal 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.hartfordfcu.com.

Current Hartford Federal Credit Union Rates

12-Month CD2.27%
24-Month CD2.02%
60-Month CD2.02%

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

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Hartford Federal Credit Union Rates & Review October 2026

Brian McKay

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Hartford Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Hartford Federal Credit Union

How many branches does Hartford Federal Credit Union operate?

Is a member application needed to join Hartford Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Hartford Federal Credit Union offer online and mobile banking?

Current Hartford Federal Credit Union Rates

Compare to Other Credit Unions