What are the current interest rates at Honor Credit Union?

Current rates for Honor Credit Union include: 12-Month CD: 1.50%, 18-Month CD: 1.50%, 24-Month CD: 1.60%, 60-Month CD: 2.15%, Savings: 0.01%, MMA: 0.15%

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Honor Credit Union

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Honor Credit Union Rates & Review August 2026

Q: How many branches does Honor Credit Union operate?

Honor 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.

Q: Is a member application needed to join Honor Credit Union?

Yes, to access services at Honor 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.

Q: Is there a first-time homebuyer program?

Currently, Honor 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Honor 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: August 28, 2026

Honor Credit Union's 8-MONTH CD SPECIAL rates are at 3.94%, 8-month special rates are at 3.94%, Business 8-month special rates are at 3.94%, 60 month rates are at 2.15%, Business 60 month rates are at 2.15%. Honor Credit Union's savings rates are at 0.01%. Honor Credit Union's money market rates are at 0.15%. Honor Credit Union's MSHDA 30 Year Fixed rates are at 5.75%, Mortgage Rates - Fixed - 15 Year Fixed rates are at 5.88%, Mortgage Rates - Fixed - 15 Year Fixed rates are at 6.12%, Mortgage Rates - Fixed - 30 Year Fixed rates are at 6.38%, Mortgage Rates - Fixed - 10 Year Fixed rates are at 6.38%. Honor Credit Union's Personal Loan Rates are at 11.99%. MonitorBankRates evaluates the financial stability of Honor Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.50%. Rates last updated and verified on 08/28/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.50%

Excellent Lower than avg

Honor Credit Union
Honor Credit Union

8385 Edgewood Rd
Berrien Springs, MI 49103 9004

https://www.honorcu.com

Honor Credit Union CD Rates

Product	Rate	APY	Term
8-MONTH CD SPECIAL	-	3.94%	8-MONTH
Min Deposit $1,000 Details Not applicable for Public Funds. To receive the above stated 8-month CD Special at 3.94% APY, a minimum opening balance of $1,000 is required. CD is not eligible for rate protector benefit, a one-time rate bump over the course of the term. Early withdrawal penalty for 8-month CD special term is 90 days of interest. Fees could reduce earnings. The 8-month CD Special will renew at the standard 9-month CD terms upon maturity. Insured by NCUA. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
8-month special	3.87%	3.94%	8 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business 8-month special	3.87%	3.94%	8 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
60 month	2.13%	2.15%	60 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business 60 month	2.13%	2.15%	60 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
48 month	2.03%	2.05%	48 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business 48 month	2.03%	2.05%	48 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
36 month	1.93%	1.95%	36 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business 36 month	1.93%	1.95%	36 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
24 month	1.59%	1.60%	24 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
30 month	1.59%	1.60%	30 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business 24 month	1.59%	1.60%	24 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business 30 month	1.59%	1.60%	30 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
12 month add-on	1.49%	1.50%	12 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
12 month add-on HSA	1.49%	1.50%	12 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
18 month	1.49%	1.50%	18 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business 12 month add-on	1.49%	1.50%	12 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business 12 month add-on HSA	1.49%	1.50%	12 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business 18 month	1.49%	1.50%	18 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
6 month	1.24%	1.25%	6 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
9 month	1.24%	1.25%	9 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business 6 month	1.24%	1.25%	6 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business 9 month	1.24%	1.25%	9 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
3 month	0.50%	0.50%	3 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business 3 month	0.50%	0.50%	3 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

Honor Credit Union Savings Rates

Product	Rate	APY
Business Health Savings (HSA)	0.25%	0.25%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Health Savings (HSA)	0.25%	0.25%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Share Savings	0.01%	0.01%
Min Balance $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Christmas Savings	0.01%	0.01%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Share Savings	0.01%	0.01%
Min Balance $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Vacation Savings	0.01%	0.01%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

Honor Credit Union Money Market Rates

Product	Rate	APY
Surge Money Market	3.93%	4.00%
Min Deposit $0 Details $.01 minimum balance required to earn up to 4.00% APY. Surge Money Market is a blended tiered rate account which pays a different rate on the amount of funds in each tier. Each rate will apply only to the portion of the account balance within each tier and not the entire account balance. A higher daily balance, when moving up the tiers, will result in a lower APY being earned. One account per membership. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Amplify Money Market	-	3.37%
Min Deposit $0 Details Qualifications Required; $0.01 minimum deposit required to earn the base dividend of 0.50% APY. An additional bonus dividend of 2.87% APY requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month (PIN-based ATM transactions not eligible) on a Benefits Checking or Connect Checking account - In order to satisfy the relationship bonus dividend requirements, credit card and debit card transactions must be from accounts within the same membership as the Amplify Money Market account and transactions must be posted by 5:00 PM EST on the last business day of the month. Please note that Honor posts transactions based on how they are received from merchants. Accounts meeting both of the qualifying requirements will earn a total dividend of 3.37% APY. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Amplify Money Market Rate	2.87%	3.37%
Min Balance $0 Details Rates accurate as of Aug 25, 2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Surge Money Market	1.98%	2.80%
Min Deposit $1,000 Min Balance $1,000 Details $.01 minimum balance required to earn up to 4.00% APY. Surge Money Market is a blended tiered rate account which pays a different rate on the amount of funds in each tier. Each rate will apply only to the portion of the account balance within each tier and not the entire account balance. A higher daily balance, when moving up the tiers, will result in a lower APY being earned. One account per membership. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Amplify Money Market	2.50%	2.36%
Min Deposit $0 Details Qualifications Required: at least 1 cleared credit card transaction per month on a Business Credit Card account; at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month; APY = Annual Percentage Yield. Rates accurate as of 5/4/26. An additional bonus dividend of 2.11% APY requires at least 1 cleared credit card transaction per month on a Business Credit Card account AND at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month (PIN-based ATM transactions not eligible) on a Free Business Checking, Business Advantage Checking or Accelerate Business Checking account - please note that Honor posts transactions based on how they are received from merchants. Accounts meeting both of the qualifying requirements will earn a total dividend of 2.36% APY. Rates are variable and subject to change without notice. Insured by NCUA. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Surge Money Market	0.99%	1.90%
Min Deposit $2,500 Min Balance $2,500 Details $.01 minimum balance required to earn up to 4.00% APY. Surge Money Market is a blended tiered rate account which pays a different rate on the amount of funds in each tier. Each rate will apply only to the portion of the account balance within each tier and not the entire account balance. A higher daily balance, when moving up the tiers, will result in a lower APY being earned. One account per membership. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Momentum Money Market	1.78%	1.80%
Min Balance $2,000,000 Details Rates accurate as of Aug 25, 2026 *APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Momentum Money Market	1.49%	1.50%
Min Balance $1,000,000 Details Rates accurate as of Aug 25, 2026 *APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Momentum Money Market	1.24%	1.25%
Min Balance $500,000 Details Rates accurate as of Aug 25, 2026 *APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Surge Money Market	0.50%	1.20%
Min Deposit $5,000 Min Balance $5,000 Details $.01 minimum balance required to earn up to 4.00% APY. Surge Money Market is a blended tiered rate account which pays a different rate on the amount of funds in each tier. Each rate will apply only to the portion of the account balance within each tier and not the entire account balance. A higher daily balance, when moving up the tiers, will result in a lower APY being earned. One account per membership. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Momentum Money Market	0.99%	1.00%
Min Balance $250,000 Details Rates accurate as of Aug 25, 2026 *APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Momentum Money Market	0.99%	1.00%
Min Deposit $500,000 Min Balance $500,000 Details Some restrictions may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Momentum Money Market	0.80%	0.80%
Min Deposit $250,000 Min Balance $250,000 Details Some restrictions may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Momentum Money Market	0.75%	0.75%
Min Balance $100,000 Details Rates accurate as of Aug 25, 2026 *APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Momentum Money Market	0.60%	0.60%
Min Deposit $100,000 Min Balance $100,000 Details Some restrictions may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Amplify Money Market Rate	0.50%	0.50%
Min Balance $0 Details Bonus APY**: 3.37% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Momentum Money Market	0.45%	0.45%
Min Balance $25,000 Details Rates accurate as of Aug 25, 2026 *APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Momentum Money Market	0.30%	0.30%
Min Balance $0 Details Rates accurate as of Aug 25, 2026 *APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Momentum Money Market	0.30%	0.30%
Min Deposit $50,000 Min Balance $50,000 Details Some restrictions may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Surge Money Market	0.25%	0.26%
Min Deposit $10,000 Min Balance $10,000 Details $.01 minimum balance required to earn up to 4.00% APY. Surge Money Market is a blended tiered rate account which pays a different rate on the amount of funds in each tier. Each rate will apply only to the portion of the account balance within each tier and not the entire account balance. A higher daily balance, when moving up the tiers, will result in a lower APY being earned. One account per membership. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Amplify Money Market Rate	0.25%	0.25%
Min Balance $0 Details Bonus APY**: 2.36% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Momentum Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $2,500 Details Some restrictions may apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

Honor Credit Union Checking Rates

Product	Rate	APY
Benefits Checking	5.03%	5.15%
Min Deposit $25 Details Qualifications Required: e-Statements; Direct Deposit; at least 20 debit card transactions per month that clear your account as signature-based or PIN-based point of sale (POS) debit transactions (PIN-based ATM transactions not eligible; please note that Honor posts transactions based on how they are received from merchants); minimum 1 monthly online banking login; Earn the 5.15% APY on balances of up to $10,000.00. Members not meeting the Dividend Requirements will not earn dividends. ^ATM foreign surcharge fees will be refunded monthly up to $20/month. Members not meeting requirements will not earn ATM foreign surcharge fee refunds. One account per Member. Rate is variable and may change after account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Accelerate Business Checking Account	1.00%	1.00%
Min Balance $0 Details Qualifications Required: e-Statements, minimum of five incoming or outgoing ACH transactions and minimum one monthly online banking login per month; APY = Annual Percentage Yield. $25 minimum opening deposit required. 1.00% APY earned on balances of up to $100,000.00. Rates accurate as of Aug 25, 2026. Annual Percentage Yield (APY) as of 12/1/2020; Rate is variable and may change after account is opened. Insured By NCUA. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Advantage Checking Account	0.30%	0.30%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Advantage Checking Account	0.25%	0.25%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Advantage Checking Account	0.20%	0.20%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Advantage Checking Account	0.15%	0.15%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Advantage Checking Account	0.10%	0.10%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Business Advantage Checking Account	0.05%	0.05%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

Honor Credit Union Mortgage Rates

Product	Rate	Points	APR
MSHDA 30 Year Fixed	5.75%	0.000%	5.86%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Mortgage Rates - Fixed - 15 Year Fixed	5.88%	1.000%	6.17%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Mortgage Rates - Fixed - 15 Year Fixed	6.13%	0.000%	6.26%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Mortgage Rates - Fixed - 30 Year Fixed	6.38%	0.750%	6.53%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Mortgage Rates - Fixed - 10 Year Fixed	6.38%	0.000%	6.60%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Mortgage Rates - Fixed - 30 Year Fixed	6.63%	0.000%	6.71%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Mortgage Rates - Fixed - 20 Year Fixed	6.63%	0.000%	6.74%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Mortgage Rates - Fixed - FHA 30 Year Fixed	6.25%	0.750%	6.94%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Mortgage Rates - Fixed - FHA 30 Year Fixed	6.50%	0.000%	7.12%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
RD 30 Year Fixed	6.75%	0.000%	7.29%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

Honor Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Advantage HELOC	6.75%	-	6.75%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Home Equity Loan	6.75%	-	6.75%	5 years
Details Rates shown are based on the refinance of a primary residence, with a $10,000 loan amount, estimated closing costs of $300, CLTV of 80% or less, and a credit score of 730 or above. Includes a 0.25% discount for applicants with a new or existing Honor Credit Union checking account with direct deposit. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Interest-Only HELOC	6.75%	-	6.75%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Traditional HELOC	6.75%	-	6.75%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Home Equity Loan	6.75%	-	7.00%	5 years
Details Rates shown are based on the refinance of a primary residence, with a $10,000 loan amount, estimated closing costs of $300, CLTV of 80% or less, and a credit score of 730 or above. Includes a 0.25% discount for applicants with a new or existing Honor Credit Union checking account with direct deposit. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Home Equity 10 Year Fixed	7.00%	-	7.68%	10 Year Fixed
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Home Equity 15 Year Fixed	7.50%	-	8.00%	15 Year Fixed
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Home Equity Loan	-	-	8.00%	10 years
Details Rates shown are based on the refinance of a primary residence, with a $10,000 loan amount, estimated closing costs of $300, CLTV of 80% or less, and a credit score of 730 or above. Includes a 0.25% discount for applicants with a new or existing Honor Credit Union checking account with direct deposit. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Home Equity 5 Year Fixed	6.75%	-	8.01%	5 Year Fixed
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

Honor Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan	-	-	4.99%	Up to 48 months
Details Rates accurate as of Aug 25, 2026. Advertised stated rates reflect 0.25% APR rate discount for borrowers with credit score of 750+ at time of loan application. Your rate may be higher depending on your credit history, loan purpose, amount, term, mileage, vehicle year, and other underwriting factors. 61-75 month financing requires a minimum loan amount of $10,000.00. 76-84 month financing requires a minimum loan amount of $20,000. 85 - 96 month financing requires a minimum loan amount of $30,000.00. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Vehicle Loan	-	-	5.49%	49 - 60 months
Details Rates accurate as of Aug 25, 2026. Advertised stated rates reflect 0.25% APR rate discount for borrowers with credit score of 750+ at time of loan application. Your rate may be higher depending on your credit history, loan purpose, amount, term, mileage, vehicle year, and other underwriting factors. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Vehicle Loan	-	-	5.89%	61 - 75 months
Details Rates accurate as of Aug 25, 2026. Advertised stated rates reflect 0.25% APR rate discount for borrowers with credit score of 750+ at time of loan application. Your rate may be higher depending on your credit history, loan purpose, amount, term, mileage, vehicle year, and other underwriting factors. 61-75 month financing requires a minimum loan amount of $10,000.00. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Vehicle Loan	-	-	6.79%	76 - 84 months
Details Rates accurate as of Aug 25, 2026. Advertised stated rates reflect 0.25% APR rate discount for borrowers with credit score of 750+ at time of loan application. Your rate may be higher depending on your credit history, loan purpose, amount, term, mileage, vehicle year, and other underwriting factors. 76-84 month financing requires a minimum loan amount of $20,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Vehicle Loan	-	-	7.69%	85 - 96 months
Details Rates accurate as of Aug 25, 2026. Advertised stated rates reflect 0.25% APR rate discount for borrowers with credit score of 750+ at time of loan application. Your rate may be higher depending on your credit history, loan purpose, amount, term, mileage, vehicle year, and other underwriting factors. 85 - 96 month financing requires a minimum loan amount of $30,000.00. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

Honor Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loan	-	11.99%
Details As Low As; Rates accurate as of Aug 25, 2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Personal Loan	-	12.99%
Details As Low As; Rates accurate as of Aug 25, 2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Personal Loan	-	13.99%
Details As Low As; Rates accurate as of Aug 25, 2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%
Personal Loan	-	14.99%
Details As Low As; Rates accurate as of Aug 25, 2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.50%

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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Honor 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 Honor 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 Honor Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Honor Credit Union

Website https://www.honorcu.com

Address 8385 Edgewood Rd, Berrien Springs, MI 49103 9004

Phone 269-983-6357

Fax 269-983-3445

President Brian Brown

CEO Scott McFarland

Full-Time Employees 481

Part-Time Employees 10

Branch Locations 28

ATM Locations 30

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.50%

Return on Assets (ROA)

0.6053%

Return on Equity (ROE)

4.9670%

Non-Performing Loans Ratio (NPL)

0.92%

Total Assets

1,786,565,900

Total Amount of Shares and Deposits

1,530,235,865

Total Shares and Deposits < 1 Year

1,513,370,902

Total Shares and Deposits 1 3 Years

11,335,314

Total Shares and Deposits > 3 Years

5,529,649

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

138,266,610

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

138,266,610

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

1,391,969,255

Total Interest Expense (Sum of items 6 8)

20,101,297

Share Certificates

9,240

Number of Accounts for Share Drafts

84,425

IRA KEOGH Accounts

2,714

Number of Accounts for Regular Shares

137,370

All other shares

1,485

Money Market Shares

37,070

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)

53,628,248

Total Liabilities

1,582,214,073

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Honor Credit Union

How many branches does Honor Credit Union operate?

Honor 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 Honor Credit Union?

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

Does Honor Credit Union offer online and mobile banking?

Most modern institutions like Honor 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.honorcu.com.