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Honda Federal Credit Union Rates & Review June 2026

Honda Federal Credit Union's Flex (10 Month) Executive rates are at 3.70%, 5 Year Executive rates are at 3.60%, 5 Years IRA CDs Roth Executive rates are at 3.60%, 5 Years IRA CDs Traditional Executive rates are at 3.60%, 3 Year Executive rates are at 3.55%. Honda Federal Credit Union's savings rates are at 0.10%. Honda Federal Credit Union's money market rates are at 0.60%. 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 2.72%. Rates were last updated on 06/16/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.72%
Excellent Lower than avg
Honda Federal Credit Union
Hamilton Office
19701 Hamilton Ave ste 130
Torrance, CA 90502 1368
https://www.hondafcu.org
Member NCUA

Honda Federal Credit Union CD Rates

Product Rate APY Term View More
Flex (10 Month) Executive - 3.70% 10 Month
Min Balance $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
5 Year Executive - 3.60% 5 Year
Min Balance $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
5 Years IRA Certificates Roth Executive 3.53% 3.60% 5 Years
Min Deposit $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
5 Years IRA Certificates Traditional Executive 3.53% 3.60% 5 Years
Min Deposit $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
3 Year Executive - 3.55% 3 Year
Min Balance $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
3 Years IRA Certificates Roth Executive 3.48% 3.55% 3 Years
Min Deposit $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
3 Years IRA Certificates Traditional Executive 3.48% 3.55% 3 Years
Min Deposit $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
2 Years IRA Certificates Roth Executive 3.44% 3.50% 2 Years
Min Deposit $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
5 Years IRA Certificates Roth Premier 3.44% 3.50% 5 Years
Min Deposit $10,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
2 Years IRA Certificates Traditional Executive 3.44% 3.50% 2 Years
Min Deposit $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
5 Years IRA Certificates Traditional Premier 3.44% 3.50% 5 Years
Min Deposit $10,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
1 Year IRA Certificates Roth Executive 3.39% 3.45% 1 Year
Min Deposit $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
3 Years IRA Certificates Roth Premier 3.39% 3.45% 3 Years
Min Deposit $10,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
1 Year IRA Certificates Traditional Executive 3.39% 3.45% 1 Year
Min Deposit $100,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
3 Years IRA Certificates Traditional Premier 3.39% 3.45% 3 Years
Min Deposit $10,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
5 Years 3.34% 3.40% 5 Years
Min Deposit $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
5 Years IRA Certificates Roth 3.34% 3.40% 5 Years
Min Deposit $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
2 Years IRA Certificates Roth Premier 3.34% 3.40% 2 Years
Min Deposit $10,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
5 Years IRA Certificates Traditional 3.34% 3.40% 5 Years
Min Deposit $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
2 Years IRA Certificates Traditional Premier 3.34% 3.40% 2 Years
Min Deposit $10,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
3 Years 3.29% 3.35% 3 Years
Min Deposit $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
3 Years IRA Certificates Roth 3.29% 3.35% 3 Years
Min Deposit $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
1 Year IRA Certificates Roth Premier 3.29% 3.35% 1 Year
Min Deposit $10,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
3 Years IRA Certificates Traditional 3.29% 3.35% 3 Years
Min Deposit $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
1 Year IRA Certificates Traditional Premier 3.29% 3.35% 1 Year
Min Deposit $10,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
2 Years 3.24% 3.30% 2 Years
Min Deposit $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
2 Years IRA Certificates Roth 3.24% 3.30% 2 Years
Min Deposit $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
2 Years IRA Certificates Traditional 3.24% 3.30% 2 Years
Min Deposit $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
1 Year 3.19% 3.25% 1 Year
Min Deposit $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
1 Year IRA Certificates Roth 3.19% 3.25% 1 Year
Min Deposit $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
1 Year IRA Certificates Traditional 3.19% 3.25% 1 Year
Min Deposit $500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%

Honda Federal Credit Union Savings Rates

Product Rate APY View More
Holiday Savings Club - 1.10%
Min Deposit $0
Details Money will be transferred to regular savings account on November 1 of each year the Holiday Savings Club account is open. Any withdrawal from the Holiday Savings Club Account prior to November 1 will result in the balance being transferred to your Regular Savings Account, and a penalty of all dividends paid from November of the previous year will be assessed. If the Holiday Savings Club Account is closed or if a withdrawal is made during the month of December, a penalty of dividends paid from November of the same year will be assessed.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
Premier Savings - 1.00%
Min Balance $2,500
Details A dividend rate of 1% above the HFCU regular savings rate and APY is paid on that portion of your average daily balance that is $2,500 or less. The regular savings rate is paid on that portion of your average daily balance that is greater than $2,500.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
Premier Savings - 0.25%
Min Balance $10,000
Details If your Premier Savings Account balance falls below $10,000, a service charge of $25 will be assessed.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
Regular Savings & Secondary Savings - 0.10%
Min Balance $5
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%

Honda Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 0.90% 0.90%
Min Balance $50,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
Money Market 0.80% 0.80%
Min Balance $25,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
Money Market 0.70% 0.70%
Min Balance $10,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
Money Market 0.60% 0.60%
Min Balance $2,500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%

Honda Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Gold - 9.90%
Details As low as; Credit Limit: $5,000 - $25,000
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%
Visa Classic - 10.50%
Details As low as; Credit Limit: $500 - $7,500
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.72%

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.

Credit Union Profile & Overview

Credit Union Name Honda Federal Credit Union
Address 19701 Hamilton Ave ste 130, Torrance, CA 90502 1368
Phone 800-634-6632
Fax 310-217-8211
President Carl Coe
CEO Kenneth Fischbach
Full-Time Employees 189
Part-Time Employees 5
Branch Locations 13
ATM Locations 12
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
2.72%
Return on Assets (ROA)
0.3946%
Return on Equity (ROE)
4.3100%
Non-Performing Loans Ratio (NPL)
0.34%
Total Assets
1,184,439,862
Total Amount of Shares and Deposits
1,032,022,067
Total Shares and Deposits < 1 Year
961,524,821
Total Shares and Deposits 1 3 Years
64,808,109
Total Shares and Deposits > 3 Years
5,689,137
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
121,343,753
Total Uninsured Shares and Deposits > $250K (F+J)
121,343,753
Total Insured Shares and Deposits > $250K (item 17 less item K)
910,678,314
Total Interest Expense (Sum of items 6 8)
15,125,624
Share Certificates
8,610
Number of Accounts for Share Drafts
47,853
IRA KEOGH Accounts
3,740
Number of Accounts for Regular Shares
93,941
Non Member Deposits
28
Money Market Shares
2,643
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
152,310,671
Total Liabilities
1,083,042,807
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

Average Rating
★★★★★
Total Reviews
1
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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 CD3.40%
  • Savings0.10%
  • MMA0.60%
Retrieved from our database of financial products. Rates subject to change.