What are the current interest rates at Heritage Hub Federal Credit Union?

Current rates for Heritage Hub Federal Credit Union include: 12-Month CD: 4.10%, 18-Month CD: 4.15%, 24-Month CD: 4.25%

☰

New Survey New reader survey for savers. Has your bank raised your savings or CD rate since the Fed’s September hike?

Home›
Credit Unions›
Heritage Hub Federal Credit Union

iAdvertiser Disclosure

Heritage Hub Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Heritage Hub 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: September 27, 2026

Heritage Hub Federal Credit Union's top rates as of September 27, 2026 are 4.25% APY on its 24-Month CD MOST POPULAR, and auto loans from 6.50% APR, according to rates verified by MonitorBankRates. Other Heritage Hub Federal Credit Union CD rates include 18-Month CD at 4.15%, 12-Month CD at 4.10%, and 6-Month CD at 3.75%. MonitorBankRates evaluates the financial stability of Heritage Hub Federal Credit Union with a 5.0 Star Rating and an A+ Overall Health Grade. Rates last updated and verified on 09/27/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

Health Trend

Very strong 5 quarters

Full history ›

Heritage Hub Federal Credit Union
Headquaters

2645 Winrock Blvd
Houston, TX 77057

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.

Heritage Hub Federal Credit Union CD Rates

Product	Rate	APY	Term
24-Month CD MOST POPULAR	-	4.25%	24-Month
Rate History No change since Sep 24, 2026 · 4.25% APY · checked 2 times Min Deposit $50,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade
18-Month CD	-	4.15%	18-Month
Rate History No change since Sep 24, 2026 · 4.15% APY · checked 2 times Min Deposit $20,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade
12-Month CD	-	4.10%	12-Month
Rate History No change since Sep 24, 2026 · 4.10% APY · checked 2 times Min Deposit $20,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade
6-Month CD	-	3.75%	6-Month
Rate History No change since Sep 24, 2026 · 3.75% APY · checked 2 times Min Deposit $10,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade

Heritage Hub Federal Credit Union Checking Rates

Product	Rate	APY	View More
High-Yield Checking	-	3.50%
Rate History No change since Sep 24, 2026 · 3.50% APY · checked 2 times Details Rates effective April 2026. Federally insured by NCUA. Membership eligibility required. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade

Heritage Hub Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto & Personal Loans	-	-	6.50%
Rate History No change since Sep 24, 2026 · 6.50% APR · checked 2 times Details Rates effective April 2026. Federally insured by NCUA. Membership eligibility required. Rates start as low as 6.50% APR with approved credit. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade

Heritage Hub Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Auto & Personal Loans	6.50%
Rate History No change since Sep 24, 2026 · 6.50% APR · checked 2 times Details Rates effective April 2026. Federally insured by NCUA. Membership eligibility required. Rates start as low as 6.50% APR with approved credit. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade

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

Heritage Hub Federal Credit Union’s Texas Ratio stayed near 0.00% in Q1 2025 to 0.00% in Q1 2026, so its financial health has stayed very strong over the past 5 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
March 31, 2026	$0M	0.00%	5.0	A+
December 31, 2025	$0M	0.00%	5.0	A+
September 30, 2025	$0M	0.00%	5.0	A+
June 30, 2025	$0M	0.00%	5.0	A+
March 31, 2025	$0M	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 Heritage Hub 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 Heritage Hub 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 Heritage Hub Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Heritage Hub Federal Credit Union

Website N/A

Address 2645 Winrock Blvd, Houston, TX 77057

Phone 832-941-9122

Fax

President Daniel Adeyemo

CEO Bolaji Ajimotokan

Full-Time Employees 0

Part-Time Employees 2

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)

Return on Assets (ROA)

-58.6255%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

149,232

Total Amount of Shares and Deposits

171,679

Total Shares and Deposits < 1 Year

171,680

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

171,679

Total Interest Expense (Sum of items 6 8)

1,875

Share Certificates

Number of Accounts for Share Drafts

Number of Accounts for Regular Shares

123

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

-87,488

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Critically Undercapitalized

Net Worth Classification if credit union is a new credit union

Uncapitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

25,411

Total Liabilities

172,837

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

There are no reviews for Heritage Hub Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Heritage Hub Federal Credit Union

Frequently Asked Questions About Heritage Hub Federal Credit Union

How many branches does Heritage Hub Federal Credit Union operate?

Heritage Hub 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 Heritage Hub Federal Credit Union?

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

Does Heritage Hub Federal Credit Union offer online and mobile banking?

Most modern institutions like Heritage Hub Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.