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Honda 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
Honda Federal Credit Union's top rates as of October 13, 2026 are 4.60% APY on its 5 Year IRA CD - Roth, 1.10% APY on savings, 0.90% APY on money market accounts, 0.25% APY on checking, personal loans from 11.24% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Honda Federal Credit Union CD rates include 5 Year IRA CD - Traditional at 4.60%, 5 Year Savings CD - Executive at 4.60%, and 5 Year Savings CD - Premier at 4.60%. MonitorBankRates evaluates the financial stability of Honda Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.74%. Rates last updated and verified on 10/13/2026.
Honda 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 Honda Federal Credit Union? Share your experience about Honda Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Honda Federal Credit Union.
Honda Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
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
Honda 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
?
2.74%
ExcellentLower than avg
Honda Federal Credit Union Texas Ratio
Honda Federal Credit Union's Texas Ratio is 2.74%, which is considered excellent and is lower than the national average of 6.13%.
Honda 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.
3.42% to 2.74% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong 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.
Honda Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
5 Year IRA Certificate - Roth
4.50%
4.60%
5 Years
Min Deposit$500
Last Updated10/13/2026
Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
Oct 13, 20264.60%▲ from 3.40%
Oct 9, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
5 Year IRA Certificate - Traditional
4.50%
4.60%
5 Years
Min Deposit$500
Last Updated10/13/2026
Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
Oct 13, 20264.60%▲ from 3.40%
Oct 9, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
5 Year Savings Certificate - Executive
4.50%
4.60%
5 Years
Min Deposit$100,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
5 Year Savings Certificate - Premier
4.50%
4.60%
5 Years
Min Deposit$10,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
5 Year Savings Certificate - Regular
4.50%
4.60%
5 Years
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
10 Month Flex Savings Certificate - Executive
3.73%
3.80%
10 Months
Min Deposit$100,000
DetailsFlex certificate: add or withdraw funds with no penalty during a 10-day window at the 5-month mark
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.80% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
2 Year IRA Certificate - Roth Executive
3.73%
3.80%
2 Years
Min Deposit$100,000
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
2 Year IRA Certificate - Traditional Executive
3.73%
3.80%
2 Years
Min Deposit$100,000
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
10 Month Flex Savings Certificate - Premier
3.63%
3.70%
10 Months
Min Deposit$10,000
DetailsFlex certificate: add or withdraw funds with no penalty during a 10-day window at the 5-month mark
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.70% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
2 Year IRA Certificate - Roth Premier
3.63%
3.70%
2 Years
Min Deposit$10,000
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
2 Year IRA Certificate - Traditional Premier
3.63%
3.70%
2 Years
Min Deposit$10,000
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
10 Month Flex Savings Certificate - Regular
3.53%
3.60%
10 Months
Min Deposit$1,000
DetailsFlex certificate: add or withdraw funds with no penalty during a 10-day window at the 5-month mark
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
2 Year IRA Certificate - Roth
3.53%
3.60%
2 Years
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
2 Year IRA Certificate - Traditional
3.53%
3.60%
2 Years
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
3 Year IRA Certificate - Roth Executive
3.48%
3.55%
3 Years
Min Deposit$100,000
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
3 Year IRA Certificate - Traditional Executive
3.48%
3.55%
3 Years
Min Deposit$100,000
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
3 Year Savings Certificate - Executive
3.48%
3.55%
3 Years
Min Deposit$100,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.55% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
2 Year Savings Certificate - Executive
3.44%
3.50%
2 Years
Min Deposit$100,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
1 Year IRA Certificate - Roth Executive
3.39%
3.45%
1 Year
Min Deposit$100,000
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
1 Year IRA Certificate - Traditional Executive
3.39%
3.45%
1 Year
Min Deposit$100,000
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
1 Year Savings Certificate - Executive
3.39%
3.45%
1 Year
Min Deposit$100,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.45% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
3 Year IRA Certificate - Roth Premier
3.39%
3.45%
3 Years
Min Deposit$10,000
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
3 Year IRA Certificate - Traditional Premier
3.39%
3.45%
3 Years
Min Deposit$10,000
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.45% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
3 Year Savings Certificate - Premier
3.39%
3.45%
3 Years
Min Deposit$10,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.45% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
6 Month Savings Certificate - Executive
3.39%
3.45%
6 Months
Min Deposit$100,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.45% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
2 Year Savings Certificate - Premier
3.34%
3.40%
2 Years
Min Deposit$10,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.40% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
1 Year IRA Certificate - Roth Premier
3.29%
3.35%
1 Year
Min Deposit$10,000
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
1 Year IRA Certificate - Traditional Premier
3.29%
3.35%
1 Year
Min Deposit$10,000
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
1 Year Savings Certificate - Premier
3.29%
3.35%
1 Year
Min Deposit$10,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.35% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
3 Year IRA Certificate - Roth
3.29%
3.35%
3 Years
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
3 Year IRA Certificate - Traditional
3.29%
3.35%
3 Years
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
3 Year Savings Certificate - Regular
3.29%
3.35%
3 Years
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.35% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
6 Month Savings Certificate - Premier
3.29%
3.35%
6 Months
Min Deposit$10,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.35% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
2 Year Savings Certificate - Regular
3.24%
3.30%
2 Years
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.30% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
1 Year IRA Certificate
3.25%
3.25%
1 year to 5 years
Min Balance$500
DetailsBalance: $500 - $100,000; Published rate range: 3.25% to 4.60%. A traditional or Roth IRA invested entirely in certificates
Last Updated10/13/2026
Rate History
No change since Sep 29, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
1 Year IRA Certificate - Roth
3.19%
3.25%
1 Year
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
1 Year IRA Certificate - Traditional
3.19%
3.25%
1 Year
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
1 Year Savings Certificate - Regular
3.19%
3.25%
1 Year
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
6 Month Savings Certificate - Regular
3.19%
3.25%
6 Months
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
6 month to 5 years Savings Certificate
3.25%
3.25%
6 months to 5 years
Min Balance$500
DetailsBalance: $500 - $100,000; Published rate range: 3.25% to 4.60%. Summary range across Savings Certificate terms and balances; rate range as printed
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Honda Federal Credit Union Savings Rates
Product
Rate
APY
View More
Holiday Savings Club
1.10%
1.10%
Min Deposit$0
Min Balance$0
DetailsSave all year and withdraw on Nov. 1; Monthly Fee:; Money transferred to regular savings on November 1 each year; Initial deposit of $0 required to open
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Savings - Holiday
1.10%
1.10%
Min Deposit$0
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Savings - IRA
0.35%
0.35%
Min Deposit$5
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.35% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Savings - Premier
0.25%
0.25%
Min Deposit$10,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Savings - Regular
0.10%
0.10%
Min Deposit$5
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Honda Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
0.90%
0.90%
Min Balance$50,000
DetailsBalance: $50,000 or more
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Money Market
0.80%
0.80%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Money Market
0.70%
0.70%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Money Market
0.60%
0.60%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Honda Federal Credit Union Checking Rates
Product
Rate
APY
View More
Checking - Premier
0.25%
0.25%
Min Deposit$10,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Checking - Interest
0.10%
0.10%
Min Deposit$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Honda Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Automobiles (2025 and Newer) - 48 Months
-
-
4.49%
48 Months
DetailsAPR (As low as); Estimated payment per $1000: $22.80
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
New Automobiles (2025 and Newer) - 66 Months
-
-
4.99%
66 Months
DetailsAPR (As low as); Estimated payment per $1000: $17.36
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Used Automobiles (2021 - 2024)
-
-
5.24%
66 Months
DetailsAs Low As; APR* (As low as); Estimated payment per $1000: $17.48; APR = Annual percentage rate. Rates may vary.
Last Updated10/13/2026
Rate History
No change since Sep 17, 2026 · 5.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
New Automobiles (2025 and Newer) - 75 Months
-
-
5.49%
75 Months
DetailsAPR (As low as); Estimated payment per $1000: $15.79
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
New Automobiles (2025 and Newer) - 84 Months
-
-
5.99%
84 Months
DetailsAPR (As low as); Estimated payment per $1000: $14.61
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Used Automobiles (2021 - 2024)
-
-
6.04%
75 Months
DetailsAs Low As; APR* (As low as); Estimated payment per $1000: $16.05; APR = Annual percentage rate. Rates may vary.
Last Updated10/13/2026
Rate History
No change since Sep 17, 2026 · 6.04% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
New Automobiles (2025 and Newer) - 96 Months
-
-
6.49%
96 Months
DetailsAPR (As low as); Estimated payment per $1000: $13.39
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Used Automobiles (2021 - 2024)
-
-
6.84%
84 Months
DetailsAs Low As; APR* (As low as); Estimated payment per $1000: $15.02; APR = Annual percentage rate. Rates may vary.
Last Updated10/13/2026
Rate History
No change since Sep 17, 2026 · 6.84% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Honda Federal Credit Union RV, Boat and Powersport Loan Rates
No change since Sep 14, 2026 · 9.90% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Visa Classic
-
10.50%
DetailsAs Low As; Credit Limit: $500 - $7,500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Honda Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Unsecured Loans
11.24%
60 Months
DetailsAs Low As; APR* (As low as)
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 11.24% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Honda Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Equity Advantage Line of Credit - 100% Loan to Value
-
-
8.25%
DetailsAs Low As; Loan to Value: 100%; Variable rate plan, APR may change quarterly. Maximum APR is 18.00%. Minimum APR is 3.50%. Must carry insurance on the property.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Equity Advantage Line of Credit - 80% Loan to Value
-
-
6.75%
DetailsAs Low As; Loan to Value: 80%; Variable rate plan, APR may change quarterly. Maximum APR is 18.00%. Minimum APR is 3.50%. Must carry insurance on the property.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Equity Advantage Line of Credit - 90% Loan to Value
-
-
7.75%
DetailsAs Low As; Loan to Value: 90%; Variable rate plan, APR may change quarterly. Maximum APR is 18.00%. Minimum APR is 3.50%. Must carry insurance on the property.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Equity One - Fixed
-
-
7.25%
DetailsAs Low As; Loan to Value: 80%
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Equity One - Fixed
-
-
8.25%
DetailsAs Low As; Loan to Value: 90%
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Equity One - Fixed
-
-
9.25%
DetailsAs Low As; Loan to Value: 100%
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
1 Year Coverdell Education Savings Certificate
3.19%
-
3.25%
1 Year
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
2 Year Coverdell Education Savings Certificate
3.53%
-
3.60%
2 Years
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
3 Year Coverdell Education Savings Certificate
3.29%
-
3.35%
3 Years
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 3.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
5 Year Coverdell Education Savings Certificate
4.50%
-
4.60%
5 Years
Min Deposit$500
Last Updated10/13/2026
Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
Oct 13, 20264.60%▲ from 3.40%
Oct 9, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Coverdell Education
4.50%
-
4.60%
5 Years
Min Deposit$500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
Oct 13, 20264.60%▲ from 3.40%
Sep 14, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Coverdell Education
3.29%
-
3.35%
3 Years
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Coverdell Education
3.53%
-
3.60%
2 Years
Min Deposit$500
Last Updated10/13/2026
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: 2.74%
Coverdell Education
3.19%
-
3.25%
1 Year
Min Deposit$500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Coverdell Education Savings Certificate
3.25%
-
3.25%
1 year to 5 years
Min Deposit$500
DetailsPublished rate range: 3.25% to 4.60%. Save for education expenses with tax-free earnings.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Flex Executive
3.92%
-
4.00%
20 Months
Min Deposit$100,000
DetailsLimited Time Offer; Flex Savings Certificate
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Flex Premier
3.82%
-
3.90%
20 Months
Min Deposit$10,000
DetailsLimited Time Offer; Flex Savings Certificate
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Flex Regular
3.73%
-
3.80%
20 Months
Min Deposit$1,000
DetailsLimited Time Offer; Flex Savings Certificate
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Investor's Advantage
1.00%
-
1.00%
Min Balance$100,000
DetailsBalance: $100,000 or more; APY = Annual Percentage Yield. Fees or other conditions could reduce earnings. Terms and conditions subject to change. Rates may vary.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Financial Health History
Honda Federal Credit Union’s Texas Ratio fell from 3.42% in Q3 2023 to 2.74% 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
$1.2B
2.74%
5.0
A+
March 31, 2026
$1.2B
2.72%
5.0
A+
December 31, 2025
$1.2B
3.42%
5.0
A+
September 30, 2025
$1.2B
2.72%
5.0
A+
June 30, 2025
$1.2B
2.51%
5.0
A+
March 31, 2025
$1.2B
2.62%
5.0
A+
December 31, 2024
$1.2B
3.61%
5.0
A+
September 30, 2024
$1.2B
2.88%
5.0
A+
June 30, 2024
$1.2B
2.71%
5.0
A+
March 31, 2024
$1.1B
2.84%
5.0
A+
December 31, 2023
$1.1B
4.12%
5.0
A+
September 30, 2023
$1.1B
3.42%
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 Honda 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 Honda 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 Honda Federal Credit Union's official website for the most current offers and terms.
Address
19701 Hamilton Ave ste 130,
Torrance, CA 90502-1368
Phone800-634-6632
Fax310-217-8211
PresidentCarl Coe
CEOKenneth Fischbach
Full-Time Employees187
Part-Time Employees3
Branch Locations13
ATM Locations12
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
2.74%
Return on Assets (ROA)
0.2102%
Return on Equity (ROE)
2.2629%
Non-Performing Loans Ratio (NPL)
0.34%
Total Assets
1,197,389,105
Total Amount of Shares and Deposits
1,035,292,477
Total Shares and Deposits < 1 Year
962,670,545
Total Shares and Deposits 1 3 Years
66,756,926
Total Shares and Deposits > 3 Years
5,865,007
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
124,317,111
Total Uninsured Shares and Deposits > $250K (F+J)
124,317,111
Total Insured Shares and Deposits > $250K (item 17 less item K)
910,975,366
Total Interest Expense (Sum of items 6 8)
8,962,981
Share Certificates
8,080
Number of Accounts for Share Drafts
47,629
IRA KEOGH Accounts
3,565
Number of Accounts for Regular Shares
93,105
Non Member Deposits
35
Money Market Shares
2,608
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)
125,995,892
Total Liabilities
1,092,993,455
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Honda Federal 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.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Honda Federal Credit Union
Frequently Asked Questions About Honda Federal Credit Union
How many branches does Honda Federal Credit Union operate?
Honda 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 Honda Federal Credit Union?
Yes, to access services at Honda 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, Honda 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, Honda Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Honda Federal Credit Union offer online and mobile banking?
Most modern institutions like Honda 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.hondafcu.org.
Current Honda Federal Credit Union Rates
12-Month CD3.25%
24-Month CD3.30%
60-Month CD4.60%
Savings1.10%
MMA0.90%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
