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Henrico Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 13, 2026
Henrico Federal Credit Union's top rates as of October 13, 2026 are 4.10% APY on its 36 Month CD, 0.50% APY on savings, 2.75% APY on checking, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other Henrico Federal Credit Union CD rates include 12 Month CD at 4.00%, 24 Month CD at 4.00%, and 6 Month CD at 2.75%. MonitorBankRates evaluates the financial stability of Henrico Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.10%. Rates last updated and verified on 10/13/2026.
Henrico 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 Henrico Federal Credit Union? Share your experience about Henrico Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Henrico Federal Credit Union.
Henrico Federal Credit Union has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Henrico Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
8.10%
ExcellentHigher than avg
Henrico Federal Credit Union Texas Ratio
Henrico Federal Credit Union's Texas Ratio is 8.10%, which is considered excellent and is higher than the national average of 6.13%.
Henrico Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
7.20% to 8.10% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Henrico Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
36 Month Certificate
4.02%
4.10%
36 months
Min Balance$100,000
DetailsMin. Balance to Earn Dividends: $100,000
Last Updated10/13/2026
Rate History
1 change since Sep 21, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
Oct 5, 20264.10%▲ from 3.85%
Sep 21, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
36 Month Certificate
4.02%
4.10%
36 months
Min Balance$25,000
DetailsMin. Balance to Earn Dividends: $25,000
Last Updated10/13/2026
Rate History
1 change since Sep 21, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
Oct 5, 20264.10%▲ from 3.85%
Sep 21, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
36 Month Certificate
4.02%
4.10%
36 months
Min Balance$1,000
DetailsMin. Balance to Earn Dividends: $1,000
Last Updated10/13/2026
Rate History
1 change since Sep 21, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
Oct 5, 20264.10%▲ from 3.85%
Sep 21, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
12 Month Certificate
3.93%
4.00%
12 months
Min Balance$100,000
DetailsMin. Balance to Earn Dividends: $100,000
Last Updated10/13/2026
Rate History
1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
Oct 5, 20264.00%▲ from 3.80%
Sep 21, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
12 Month Certificate
3.93%
4.00%
12 months
Min Balance$25,000
DetailsMin. Balance to Earn Dividends: $25,000
Last Updated10/13/2026
Rate History
1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
Oct 5, 20264.00%▲ from 3.80%
Sep 21, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
12 Month Certificate
3.93%
4.00%
12 months
Min Balance$1,000
DetailsMin. Balance to Earn Dividends: $1,000
Last Updated10/13/2026
Rate History
1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
Oct 5, 20264.00%▲ from 3.80%
Sep 21, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
24 Month Certificate
3.93%
4.00%
24 months
Min Balance$100,000
DetailsMin. Balance to Earn Dividends: $100,000
Last Updated10/13/2026
Rate History
1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
Oct 5, 20264.00%▲ from 3.80%
Sep 21, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
24 Month Certificate
3.93%
4.00%
24 months
Min Balance$25,000
DetailsMin. Balance to Earn Dividends: $25,000
Last Updated10/13/2026
Rate History
1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
Oct 5, 20264.00%▲ from 3.80%
Sep 21, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
24 Month Certificate
3.93%
4.00%
24 months
Min Balance$1,000
DetailsMin. Balance to Earn Dividends: $1,000
Last Updated10/13/2026
Rate History
1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
Oct 5, 20264.00%▲ from 3.80%
Sep 21, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
6 Month Certificate
2.72%
2.75%
6 months
Min Balance$100,000
DetailsMin. Balance to Earn Dividends: $100,000
Last Updated10/13/2026
Rate History
1 change since Sep 21, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
Oct 5, 20262.75%▲ from 2.50%
Sep 21, 20262.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
6 Month Certificate
2.72%
2.75%
6 months
Min Balance$25,000
DetailsMin. Balance to Earn Dividends: $25,000
Last Updated10/13/2026
Rate History
1 change since Sep 21, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
Oct 5, 20262.75%▲ from 2.50%
Sep 21, 20262.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
6 Month Certificate
2.72%
2.75%
6 months
Min Balance$1,000
DetailsMin. Balance to Earn Dividends: $1,000
Last Updated10/13/2026
Rate History
1 change since Sep 21, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
Oct 5, 20262.75%▲ from 2.50%
Sep 21, 20262.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Henrico Federal Credit Union Savings Rates
Product
Rate
APY
View More
Club Accounts
-
0.50%
Min Deposit$1
Min Balance$500
DetailsBalance: $500+
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Share / Savings
-
0.50%
Min Deposit$5
Min Balance$500
DetailsBalance: $500+
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Club Accounts
-
0.25%
Min Deposit$1
Min Balance$100
DetailsBalance: $100 - $499
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Share / Savings
-
0.25%
Min Deposit$5
Min Balance$100
DetailsBalance: $100 - $499
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Henrico Federal Credit Union Checking Rates
Product
Rate
APY
View More
Invest Checking
-
2.75%
Min Deposit$15
Min Balance$250,000
DetailsBalance: $250,000+
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Invest Checking
-
2.50%
Min Deposit$15
Min Balance$100,000
DetailsBalance: $100,000 - $249,999
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 2.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Invest Checking
-
2.00%
Min Deposit$15
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 2.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Invest Checking
-
0.75%
Min Deposit$15
Min Balance$2,500
DetailsBalance: $2,500 - $24,999
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Select Checking
-
0.50%
Min Deposit$15
Min Balance$5,000
DetailsBalance: $5,000+
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Select Checking
-
0.25%
Min Deposit$15
Min Balance$1,000
DetailsBalance: $1,000 - $4,999
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 0.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Henrico Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Fixed Rate Home Equity Loan (80% or Less LTV)
-
-
6.49%
120 Months
DetailsPublished APR range: 6.49% - 7.49%. Actual rate will vary depending on applicant's credit ratings and length of loan term.
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Fixed Rate Home Equity Loan (80% or Less LTV)
-
-
6.74%
180 Months
DetailsPublished APR range: 6.74% - 7.74%. Actual rate will vary depending on applicant's credit ratings and length of loan term.
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Fixed Rate Home Equity Loan (81% or 90% LTV)
-
-
6.74%
120 Months
DetailsPublished APR range: 6.74% - 7.24%. Maximum loan amount is $25,000 or less when LTV exceeds 80%; actual rate will vary depending on applicant's credit ratings and length of loan term
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49%
Sep 18, 20266.74%▲ from 6.49%
Sep 14, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Adjustable-Rate Home Equity Line of Credit (80% or Less LTV)
-
-
7.00%
180 Months
DetailsPublished APR range: 7.00% - 8.50%. Repayment term not shown on this row (printed as a blank cell beneath the 180 Months row); 80% or less LTV; Footnotes 1,2,3
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Henrico Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loans
-
-
4.24%
12-36 months
DetailsAs Low As; Membership Eligibility Required; Posted rates for existing members; Actual rate varies by credit rating and length of loan term
Last Updated10/13/2026
Rate History
1 change since Sep 17, 2026 · 4.34% → 4.24% ▼ 0.10 pts · high 4.34% / low 4.24%
Oct 13, 20264.24%▼ from 4.34%
Sep 17, 20264.34%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
New Auto Loans
-
-
4.24%
37-48 months
DetailsAs Low As; Membership Eligibility Required; Posted rates for existing members; Actual rate varies by credit rating and length of loan term
Last Updated10/13/2026
Rate History
1 change since Sep 17, 2026 · 4.34% → 4.24% ▼ 0.10 pts · high 4.34% / low 4.24%
Oct 13, 20264.24%▼ from 4.34%
Sep 17, 20264.34%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Used Auto Loans
-
-
4.24%
12-36 months
DetailsAs Low As; Actual rate varies by credit rating and loan term; Posted rates for existing members
Last Updated10/13/2026
Rate History
1 change since Sep 17, 2026 · 4.34% → 4.24% ▼ 0.10 pts · high 4.34% / low 4.24%
Oct 13, 20264.24%▼ from 4.34%
Sep 17, 20264.34%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Used Auto Loans
-
-
4.24%
37-48 months
DetailsAs Low As; Actual rate varies by credit rating and loan term; Posted rates for existing members
Last Updated10/13/2026
Rate History
1 change since Sep 17, 2026 · 4.34% → 4.24% ▼ 0.10 pts · high 4.34% / low 4.24%
Oct 13, 20264.24%▼ from 4.34%
Sep 17, 20264.34%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
New Auto Loans
-
-
4.74%
49-63 months
DetailsAs Low As; Membership Eligibility Required; Posted rates for existing members; Actual rate varies by credit rating and length of loan term
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 4.74% → 4.74% ▼ 0.00 pts · high 4.84% / low 4.74%
Oct 13, 20264.74%▼ from 4.84%
Sep 17, 20264.84%▲ from 4.74%
Sep 14, 20264.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Used Auto Loans
-
-
4.74%
49-63 months
DetailsAs Low As; Actual rate varies by credit rating and loan term; Purchase money rates listed, add 2.00% APR for non-purchase money loans; Posted rates for existing members
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 4.74% → 4.74% ▼ 0.00 pts · high 4.84% / low 4.74%
Oct 13, 20264.74%▼ from 4.84%
Sep 17, 20264.84%▲ from 4.74%
Sep 14, 20264.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
New Auto Loans
-
-
4.99%
64 -75 months
DetailsAs Low As; Membership Eligibility Required; Posted rates for existing members; Actual rate varies by credit rating and length of loan term
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 4.99% → 4.99% ▼ 0.00 pts · high 5.09% / low 4.99%
Oct 13, 20264.99%▼ from 5.09%
Sep 17, 20265.09%▲ from 4.99%
Sep 14, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Used Auto Loans
-
-
4.99%
64-75 months
DetailsAs Low As; Actual rate varies by credit rating and loan term; Purchase money rates listed, add 2.00% APR for non-purchase money loans; Posted rates for existing members
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 4.99% → 4.99% ▼ 0.00 pts · high 5.09% / low 4.99%
Oct 13, 20264.99%▼ from 5.09%
Sep 17, 20265.09%▲ from 4.99%
Sep 14, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
New Auto Loans
-
-
5.99%
76-84 months
DetailsAs Low As; Membership Eligibility Required; Posted rates for existing members; Actual rate varies by credit rating and length of loan term
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 5.99% → 5.99% ▼ 0.00 pts · high 6.09% / low 5.99%
Oct 13, 20265.99%▼ from 6.09%
Sep 17, 20266.09%▲ from 5.99%
Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Used Auto Loans
-
-
5.99%
76-84 months
DetailsAs Low As; Actual rate varies by credit rating and loan term; Purchase money rates listed, add 2.00% APR for non-purchase money loans; Posted rates for existing members
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 5.99% → 5.99% ▼ 0.00 pts · high 6.09% / low 5.99%
Oct 13, 20265.99%▼ from 6.09%
Sep 17, 20266.09%▲ from 5.99%
Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
New Auto Loans
-
-
6.99%
85-96 months
DetailsAs Low As; Membership Eligibility Required; Posted rates for existing members; Actual rate varies by credit rating and length of loan term
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 6.99% → 6.99% ▼ 0.00 pts · high 7.09% / low 6.99%
Oct 13, 20266.99%▼ from 7.09%
Sep 17, 20267.09%▲ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Henrico Federal Credit Union RV, Boat and Powersport Loan Rates
2 changes since Sep 14, 2026 · 6.24% → 6.24% ▼ 0.00 pts · high 6.34% / low 6.24%
Oct 13, 20266.24%▼ from 6.34%
Sep 17, 20266.34%▲ from 6.24%
Sep 14, 20266.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Henrico Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Line of Credit
9.99%
DetailsTerm: Based on outstanding balance; As Low As; Actual rate will vary depending on applicant's credit ratings; Payment based on outstanding balance: $1,000 or less = 12 months; $1,000.01 - $2,000 = 24 months; $2,000.01 - $4,000 = 36 months; $4,000.01 - $7,000 = 48 months; $7,000.01+ = 60 months
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 9.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Personal Loans
9.99%
1-60 months
DetailsAs Low As; Actual rate will vary depending on applicant's credit ratings and length of loan term; Membership eligibility is required
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Henrico Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Fixed Mortgage Refinance Loan (80% or Less LTV)
-
-
5.49%
120 Months
DetailsRepayment Term: 120 Months; LTV 80% or less
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 5.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Fixed Mortgage Refinance Loan (80% or Less LTV)
-
-
5.74%
180 Months
DetailsRepayment Term: 180 Months; LTV 80% or less
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 5.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Fixed Mortgage Refinance Loan (80% or Less LTV)
-
-
5.99%
240 Months
DetailsRepayment Term: 240 Months; LTV 80% or less
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 5.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Fixed Mortgage Refinance Loan (80% or Less LTV)
-
-
6.24%
360 Months
DetailsRepayment Term: 360 Months; LTV 80% or less
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 6.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
IRAs
-
-
2.50%
Min Deposit$100
Min Balance$100
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.10%
Financial Health History
Henrico Federal Credit Union’s Texas Ratio rose from 7.20% in Q3 2023 to 8.10% 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
$500M
8.10%
5.0
A
March 31, 2026
$501M
6.37%
5.0
A
December 31, 2025
$486M
7.03%
5.0
A
September 30, 2025
$477M
7.57%
5.0
A
June 30, 2025
$465M
7.83%
5.0
A
March 31, 2025
$466M
7.09%
5.0
A
December 31, 2024
$449M
8.46%
5.0
A
September 30, 2024
$466M
7.55%
5.0
A
June 30, 2024
$457M
7.15%
5.0
A
March 31, 2024
$460M
6.52%
5.0
A
December 31, 2023
$433M
6.72%
5.0
A
September 30, 2023
$429M
7.20%
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 Henrico 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 Henrico 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 Henrico Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
33,121,015
Total Uninsured Shares and Deposits > $250K (F+J)
33,121,015
Total Insured Shares and Deposits > $250K (item 17 less item K)
414,519,065
Total Interest Expense (Sum of items 6 8)
3,963,800
Share Certificates
3,154
Number of Accounts for Share Drafts
16,225
IRA KEOGH Accounts
522
Number of Accounts for Regular Shares
35,379
Non Member Deposits
24
Net Income (unless the amount is already included in Undivided Earnings)
504,768
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)
26,117,212
Total Liabilities
454,563,089
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Henrico Federal Credit Union earned the Verified Healthy badge
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Frequently Asked Questions About Henrico Federal Credit Union
How many branches does Henrico Federal Credit Union operate?
Henrico 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 Henrico Federal Credit Union?
Yes, to access services at Henrico 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, Henrico 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, Henrico Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Henrico Federal Credit Union offer online and mobile banking?
Most modern institutions like Henrico 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.henricofcu.org.
Current Henrico Federal Credit Union Rates
12-Month CD4.00%
24-Month CD4.00%
Savings0.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
