MonitorBankRates
  1. Home
  2. Credit Unions
  3. Hughes Federal Credit Union
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Hughes Federal Credit Union Rates & Review April 2026

Hughes Federal Credit Union's 12 Mo. CD rates are at 3.77%, 12 Month CD Account rates are at 3.77%, 12 Month IRA CD Account rates are at 3.77%, 12 Mo. CD rates are at 3.72%, 12 Month CD Account rates are at 3.72%. Hughes Federal Credit Union's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of Hughes Federal Credit Union with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.35%. Rates were last updated on 04/18/2026.

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

Overall Health & Safety Grade ?
B+
Good Health Score: 89/100
MonitorBankRates Rating ?
4.8
Exceptional Out of 5.0 Stars
Texas Ratio ?
17.35%
Good Higher than avg
Hughes Federal Credit Union
Wetmore Branch
971 W Wetmore Rd
Tucson, AZ 85705 1551
https://www.hughesfcu.org
Member NCUA

Hughes Federal Credit Union CD Rates

Product Rate APY Term View More
12 Mo. Certificate - 3.77% 12
Min Deposit $99,000
Min Balance $99,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
12 Month Certificate Account 3.70% 3.77% 12
Min Deposit $99,000
Min Balance $99,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
12 Month IRA Certificate Account 3.70% 3.77%
Min Balance $99,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
12 Mo. Certificate - 3.72% 12
Min Deposit $50,000
Min Balance $50,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
12 Month Certificate Account 3.65% 3.72% 12
Min Deposit $50,000
Min Balance $50,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
12 Month IRA Certificate Account 3.65% 3.72%
Min Balance $50,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
12 Month Certificate - 3.67% 12
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
12 Month IRA Certificate Account 3.60% 3.67%
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
24 Mo. Certificate - 3.56% 24
Min Deposit $99,000
Min Balance $99,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
24 Month Certificate Account 3.50% 3.56% 24
Min Deposit $99,000
Min Balance $99,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
24 Month IRA Certificate Account 3.50% 3.56%
Min Balance $99,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
24 Mo. Certificate - 3.51% 24
Min Deposit $50,000
Min Balance $50,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
24 Month Certificate Account 3.45% 3.51% 24
Min Deposit $50,000
Min Balance $50,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
24 Month IRA Certificate Account 3.45% 3.51%
Min Balance $50,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
24 Mo. Certificate - 3.46% 24
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
24 Month Certificate Account 3.40% 3.46% 24
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
24 Month IRA Certificate Account 3.40% 3.46%
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
6 Mo. Certificate - 3.41% 6
Min Deposit $99,000
Min Balance $99,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
6 Month Certificate Account 3.35% 3.41% 6
Min Deposit $99,000
Min Balance $99,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
6 Mo. Certificate - 3.35% 6
Min Deposit $50,000
Min Balance $50,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
6 Month Certificate Account 3.30% 3.35% 6
Min Deposit $50,000
Min Balance $50,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
36 Mo. Certificate - 3.30% 36
Min Deposit $99,000
Min Balance $99,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
36 Month Certificate Account 3.25% 3.30% 36
Min Deposit $99,000
Min Balance $99,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
36 Month IRA Certificate Account 3.25% 3.30%
Min Balance $99,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
6 Mo. Certificate - 3.30% 6
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
6 Month Certificate Account 3.25% 3.30% 6
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
36 Mo. Certificate - 3.25% 36
Min Deposit $50,000
Min Balance $50,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
36 Month Certificate Account 3.20% 3.25% 36
Min Deposit $50,000
Min Balance $50,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
36 Month IRA Certificate Account 3.20% 3.25%
Min Balance $50,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
36 Mo. Certificate - 3.20% 36
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
36 Month Certificate Account 3.15% 3.20% 36
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
36 Month IRA Certificate Account 3.15% 3.20%
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
12 Month Youth Certificate Account 2.50% 2.53%
Min Deposit $100
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
24 Month Youth Certificate Account 2.30% 2.33%
Min Deposit $100
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
36 Month Youth Certificate Account 2.15% 2.17%
Min Deposit $100
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
6 Month Youth Certificate Account 2.00% 2.02%
Min Deposit $100
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
29 Mo. Certificate - 0.05% 29
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
29 Month Certificate Account 0.05% 0.05% 29
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%

Hughes Federal Credit Union Savings Rates

Product Rate APY View More
Money Market Savings 1.75% 1.77%
Min Balance $250,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
Money Market Savings 1.50% 1.51%
Min Balance $150,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
Money Market Savings 1.25% 1.26%
Min Balance $75,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
Health Savings Account 1.15% 1.16%
No additional details.
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
Money Market Savings 1.00% 1.01%
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
Daily Savings 0.05% 0.05%
Min Balance $0
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
Holiday Club Savings 0.05% 0.05%
No additional details.
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
Main Share Savings 0.05% 0.05%
Min Balance $5
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
You Name It Savings 0.05% 0.05%
Min Balance $0
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%

Hughes Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market Savings 1.75% 1.77%
Min Balance $250,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
Money Market Savings 1.50% 1.51%
Min Balance $150,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
Money Market Savings 1.25% 1.26%
Min Balance $75,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
Money Market Savings 1.00% 1.01%
Min Balance $1,000
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%

Hughes Federal Credit Union Checking Rates

Product Rate APY View More
Checking PLUS 0.50% 0.50%
No additional details.
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
Checking 0.05% 0.05%
No additional details.
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%

Hughes Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
FHA Loan (Purchase) - - 5.63%
No additional details.
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
15-Year Conventional Loan (Purchase) - - 5.88%
No additional details.
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
30-Year Conventional Loan (Purchase) - - 6.25%
No additional details.
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
VA Loan (Purchase) - - 6.25%
No additional details.
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
Vacation Property Line of Credit - - 9.75%
No additional details.
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%

Hughes Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit (<80% Loan-to-Value) - - 7.75%
No additional details.
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
Home Equity Line of Credit (>80% Loan-to-Value) - - 8.75%
No additional details.
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%
Credit Builder Home Equity Line of Credit - - 13.25%
No additional details.
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%

Hughes Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum Credit Card - 9.50%
No additional details.
Last Updated 04/18/2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
Texas Ratio: 17.35%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Hughes 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 Hughes 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 Hughes Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hughes Federal Credit Union
Address 971 W Wetmore Rd, Tucson, AZ 85705 1551
Phone 520-794-8341
Fax 520-205-5699
President Juan Gonzalez
CEO Andrew Britton
Full-Time Employees 323
Part-Time Employees 7
Branch Locations 7
ATM Locations 7
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
B+ (89/100)
Texas Ratio
17.35%
Return on Assets (ROA)
0.2814%
Return on Equity (ROE)
3.0178%
Non-Performing Loans Ratio (NPL)
1.95%
Total Assets
2,591,487,184
Total Amount of Shares and Deposits
2,340,166,897
Total Shares and Deposits < 1 Year
1,634,385,357
Total Shares and Deposits 1 3 Years
705,781,539
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
187,862,313
Total Uninsured Shares and Deposits > $250K (F+J)
187,862,313
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,152,304,584
Total Interest Expense (Sum of items 6 8)
45,526,012
Share Certificates
11,661
Number of Accounts for Share Drafts
57,085
IRA KEOGH Accounts
3,287
Number of Accounts for Regular Shares
210,585
All other shares
768
Non Member Deposits
11
Money Market Shares
15,449
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
373,941,989
Total Liabilities
2,357,784,463
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

sLkb
★★★★★
December 17, 2025
tzPa
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Hughes Federal Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About Hughes Federal Credit Union

Is Hughes Federal Credit Union a safe place to deposit money?

Yes, Hughes Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 17.348855924427%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Hughes Federal Credit Union operate?

Hughes 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 Hughes Federal Credit Union?

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

Does Hughes Federal Credit Union offer online and mobile banking?

Most modern institutions like Hughes 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.hughesfcu.org.

Current Hughes Federal Credit Union Rates

  • 12-Month CD2.53%
  • 24-Month CD2.33%
  • Savings0.05%
Retrieved from our database of financial products. Rates subject to change.