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

Current rates for Homebase Federal Credit Union include: 12-Month CD: 3.76%, 18-Month CD: 3.66%, 24-Month CD: 3.71%, 60-Month CD: 3.82%, Savings: 0.25%, MMA: 1.76%

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Homebase Federal Credit Union

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Homebase Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Homebase 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 12, 2026

Homebase Federal Credit Union's top rates as of October 12, 2026 are 3.82% APY on its CD - 60 Month, 0.25% APY on savings, 1.76% APY on money market accounts, and personal loans from 7.99% APR, according to rates verified by MonitorBankRates. Other Homebase Federal Credit Union CD rates include CD - 12 Month at 3.76%, CD - 36 Month at 3.76%, and CD - 24 Month at 3.71%. MonitorBankRates evaluates the financial stability of Homebase Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.17%. Rates last updated and verified on 10/12/2026.

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

4.17%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Homebase Federal Credit Union
Main Office

4495 Crossings Blvd
Prince George, VA 23875

https://www.homebasecu.org

Customer Reviews

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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.

Homebase Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate - 60 Month	3.75%	3.82%	60 Month
Min Deposit $2,500 Min Balance $2,500 Details Dividend rate 3.75%; minimum balance of $2,500.00 required to open and earn dividends; early withdrawal penalty of 180 days of dividends Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 4.00% → 3.82% ▼ 0.18 pts · high 4.00% / low 3.75% Oct 8, 20263.82%▲ from 3.75% Sep 17, 20263.75%▼ from 4.00% Sep 12, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Share Certificate - 12 Month	3.70%	3.76%	12 Month
Min Deposit $2,500 Min Balance $2,500 Details Dividend rate 3.70%; minimum balance of $2,500.00 required to open and earn dividends; early withdrawal penalty of 180 days of dividends Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Share Certificate - 36 Month	3.70%	3.76%	36 Month
Min Deposit $2,500 Min Balance $2,500 Details Dividend rate 3.70%; minimum balance of $2,500.00 required to open and earn dividends; early withdrawal penalty of 180 days of dividends Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Share Certificate - 24 Month	3.65%	3.71%	24 month
Min Deposit $2,500 Min Balance $2,500 Details Dividend rate 3.65%; minimum balance of $2,500.00 required to open and earn dividends; early withdrawal penalty of 180 days of dividends Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Share Certificate - 18 Month	3.60%	3.66%	18 Month
Min Deposit $2,500 Min Balance $2,500 Details Dividend rate 3.60%; minimum balance of $2,500.00 required to open and earn dividends; early withdrawal penalty of 180 days of dividends Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Share Certificate - 6 Month	2.50%	2.53%	6 Month
Min Deposit $2,500 Min Balance $2,500 Details Dividend rate 2.50%; minimum balance of $2,500.00 required to open and earn dividends; early withdrawal penalty of 180 days of dividends Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Homebase Federal Credit Union Savings Rates

Product	Rate	APY
Share Savings	0.25%	0.25%
Min Deposit $25 Min Balance $300 Details Share Accounts require an Average Daily Balance of $300.00 to earn the stated dividend; Primary Share Accounts require a $25 minimum deposit to open Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Savings Revolution	0.10%	0.10%
Details Share Accounts require an Average Daily Balance of $300.00 to earn the stated dividend Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Christmas Club	0.05%	0.05%
Min Deposit $5 Details Christmas Club Accounts require a minimum deposit of $5 to open; Share Accounts require an Average Daily Balance of $300.00 to earn the stated dividend Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Homebase Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.75%	1.76%
Min Deposit $75,000 Min Balance $75,000 Details Balance: $75,000; Average Daily Balance of $75,000 required to earn dividend; Minimum of $75,000 to open Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 1.76% → 1.76% ▼ 0.00 pts · high 1.76% / low 1.75% Sep 18, 20261.76%▲ from 1.75% Sep 17, 20261.75%▼ from 1.76% Sep 12, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market	1.50%	1.51%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000; Average Daily Balance of $50,000 required to earn dividend; Minimum of $50,000 to open Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market	1.25%	1.25%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000; Average Daily Balance of $25,000.00 required to earn stated dividend; Rates effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Homebase Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Fixed Rate Loan	-	-	6.74%	Up to 15 years
Details Minimum amount $25,000 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 4, 20266.74%▲ from 6.49% Sep 12, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Homebase Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loan - New, Used, or Refinance	-	5.99%
Details Published APR range: 5.99% to 15.49%. Type: New, Used, or Refinance; Terms up to 120 months available depending on model, mileage, and amount borrowed; Some exceptions apply; Credit qualifications apply Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Camper/Recreational Vehicle Loan	-	5.99%
Details Published APR range: 5.99% to 15.49%. Type: New, Used, or Refinance; Terms up to 120 months available depending on model, mileage, and amount borrowed; 5.99% APR applicable on new and used vehicles for terms up to 60 months; Credit qualifications apply Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Motorcycle Loan	-	6.24%	Up to 72 months
Details Published APR range: 6.24% to 12.99%. 6.24% APR applicable on Motorcycles with a 10% down payment and terms up to 48 months; terms up to 72 months available depending on model, mileage, and amount borrowed; credit qualifications apply Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Homebase Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.99%	From 6 to 84 months
Details Published APR range: 7.99% to 17.99%. Credit qualifications apply Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Personal Line of Credit	9.99%	Revolving
Details Published APR range: 9.99% to 17.99%. Subject to credit approval; rate may vary depending on individual credit history Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Homebase Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Lifestyle Loan	-	-	7.99%	6 to 84 months
Details 7.99% APR applicable on Lifestyle Loan for terms from 6 to 84 months; advertised rate current as of October 1, 2023, assumes excellent credit, subject to change; membership required with $25 minimum deposit and $1.00 membership fee Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Lifestyle Loan	-	-	7.99%	From 6 to 84 months
Details Published APR range: 7.99% to 17.99%. Advertised rate assumes excellent credit and is subject to change; credit qualifications apply; membership required with $25 minimum deposit and $1.00 membership fee Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
IRA Share Account	0.25%	-	0.25%
Min Deposit $100 Details IRA Share Accounts require a minimum deposit of $100 to open; Share Accounts require an Average Daily Balance of $300.00 to earn the stated dividend Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

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

Homebase Federal Credit Union’s Texas Ratio rose from 1.28% in Q3 2023 to 4.17% 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	$298M	4.17%	5.0	A+
March 31, 2026	$295M	3.03%	5.0	A+
December 31, 2025	$292M	4.07%	5.0	A+
September 30, 2025	$284M	5.95%	5.0	A+
June 30, 2025	$282M	5.09%	5.0	A+
March 31, 2025	$286M	4.50%	5.0	A+
December 31, 2024	$271M	2.68%	5.0	A+
September 30, 2024	$272M	3.77%	5.0	A+
June 30, 2024	$268M	1.66%	5.0	A+
March 31, 2024	$270M	1.54%	5.0	A+
December 31, 2023	$259M	1.23%	5.0	A+
September 30, 2023	$257M	1.28%	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 Homebase 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 Homebase 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 Homebase Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Homebase Federal Credit Union

Website https://www.homebasecu.org

Address 4495 Crossings Blvd, Prince George, VA 23875

Phone 804-452-0736

Fax 804-458-1182

President Glenn Horst Jr

CEO Clint Summers

Full-Time Employees 55

Part-Time Employees 1

Branch Locations 3

ATM Locations 2

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

4.17%

Return on Assets (ROA)

0.5690%

Return on Equity (ROE)

5.2344%

Non-Performing Loans Ratio (NPL)

0.96%

Total Assets

297,836,140

Total Amount of Shares and Deposits

267,958,526

Total Shares and Deposits < 1 Year

257,034,394

Total Shares and Deposits 1 3 Years

9,266,329

Total Shares and Deposits > 3 Years

1,657,803

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

16,010,495

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

16,010,495

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

251,948,031

Total Interest Expense (Sum of items 6 8)

1,552,635

Share Certificates

1,521

Number of Accounts for Share Drafts

11,522

IRA KEOGH Accounts

446

Number of Accounts for Regular Shares

16,878

All other shares

1,175

Money Market Shares

178

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)

15,924,697

Total Liabilities

268,374,504

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Homebase Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Homebase Federal Credit Union

How many branches does Homebase Federal Credit Union operate?

Homebase 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 Homebase Federal Credit Union?

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

Does Homebase Federal Credit Union offer online and mobile banking?

Most modern institutions like Homebase 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.homebasecu.org.

Current Homebase Federal Credit Union Rates

12-Month CD3.76%
18-Month CD3.66%
24-Month CD3.71%
60-Month CD3.82%
Savings0.25%
MMA1.76%

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

Compare to Other Credit Unions

Homebase Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Homebase Federal Credit Union Texas Ratio

Homebase Federal Credit Union Health Trend

Homebase Federal Credit Union CD Rates

Homebase Federal Credit Union Savings Rates

Homebase Federal Credit Union Money Market Rates

Homebase Federal Credit Union Home Equity & HELOC

Homebase Federal Credit Union RV, Boat and Powersport Loan Rates

Homebase Federal Credit Union Personal Loan Rates

Homebase Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Homebase Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Homebase Federal Credit Union

How many branches does Homebase Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Homebase Federal Credit Union offer online and mobile banking?

Current Homebase Federal Credit Union Rates

Compare to Other Credit Unions