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Hutchinson Postal and Community 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 14, 2026
Hutchinson Postal and Community Credit Union's top rate as of October 14, 2026 is personal loans from 9.50% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Hutchinson Postal and Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.19%. Rates last updated and verified on 10/14/2026.
Hutchinson Postal and Community 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 Hutchinson Postal and Community Credit Union? Share your experience about Hutchinson Postal and Community Credit Union by leaving a review below, or read customer reviews before you decide to use Hutchinson Postal and Community Credit Union.
Hutchinson Postal and Community Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
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
Hutchinson Postal and Community 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
?
3.19%
ExcellentLower than avg
Hutchinson Postal and Community Credit Union Texas Ratio
Hutchinson Postal and Community Credit Union's Texas Ratio is 3.19%, which is considered excellent and is lower than the national average of 6.13%.
Hutchinson Postal and Community 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.
Hutchinson Postal and Community Credit Union Health Trend
6.21% to 3.19% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A to A+
The Texas Ratio for this credit union has improved and is now 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.
Hutchinson Postal and Community Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Vehicles Loan
-
-
5.50%
36 months
DetailsModel Year: 2025-2024; Credit Grade: A; no discount on A rates on new vehicles
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 6.50% → 5.50% ▼ 1.00 pts · high 6.50% / low 5.50%
Oct 14, 20265.50%▼ from 6.50%
Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
New Vehicles Loan
-
-
5.75%
48 months
DetailsModel Year: 2025-2024; Credit Grade: A; no discount on A rates on new vehicles
Last Updated10/14/2026
Rate History
2 changes since Sep 14, 2026 · 12.25% → 5.75% ▼ 6.50 pts · high 12.25% / low 5.75%
Oct 14, 20265.75%▼ from 6.75%
Sep 18, 20266.75%▼ from 12.25%
Sep 14, 202612.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
New Vehicles Loan
-
-
6.00%
60 months
DetailsModel Year: 2025-2024; Credit Grade: A; no discount on A rates on new vehicles
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 7.00% → 6.00% ▼ 1.00 pts · high 7.00% / low 6.00%
Oct 14, 20266.00%▼ from 7.00%
Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
New Vehicles Loan
-
-
6.25%
72 months
DetailsModel Year: 2025-2024; Credit Grade: A; no discount on A rates on new vehicles
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 7.25% → 6.25% ▼ 1.00 pts · high 7.25% / low 6.25%
Oct 14, 20266.25%▼ from 7.25%
Sep 14, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
New Vehicles Loan
-
-
6.50%
84 months
DetailsModel Year: 2025-2024; Credit Grade: A; no discount on A rates on new vehicles
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 7.50% → 6.50% ▼ 1.00 pts · high 7.50% / low 6.50%
Oct 14, 20266.50%▼ from 7.50%
Sep 14, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
New Vehicles Loan
-
-
6.50%
36 months
DetailsModel Year: 2025-2024; Credit Grade: B
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan
-
-
6.50%
36 months
DetailsCredit Grade: A
Last Updated10/14/2026
Rate History
2 changes since Sep 18, 2026 · 6.50% → 6.50% ▼ 0.00 pts · high 7.50% / low 6.50%
Oct 14, 20266.50%▼ from 7.50%
Oct 10, 20267.50%▲ from 6.50%
Sep 18, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
New Vehicles Loan
-
-
6.75%
48 months
DetailsModel Year: 2025-2024; Credit Grade: B
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 12.25% → 6.75% ▼ 5.50 pts · high 12.25% / low 6.75%
Sep 18, 20266.75%▼ from 12.25%
Sep 14, 202612.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan
-
-
6.75%
48 months
DetailsCredit Grade: A
Last Updated10/14/2026
Rate History
2 changes since Sep 18, 2026 · 6.75% → 6.75% ▼ 0.00 pts · high 7.75% / low 6.75%
Oct 14, 20266.75%▼ from 7.75%
Oct 10, 20267.75%▲ from 6.75%
Sep 18, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
New Vehicles Loan
-
-
7.00%
60 months
DetailsModel Year: 2025-2024; Credit Grade: B
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2019-2010 Loan
-
-
7.00%
36 months
DetailsCredit Grade: A; Model Year: 2019-2010
Last Updated10/14/2026
Rate History
3 changes since Sep 14, 2026 · 10.75% → 7.00% ▼ 3.75 pts · high 14.50% / low 7.00%
Oct 14, 20267.00%▼ from 8.00%
Sep 22, 20268.00%▼ from 14.50%
Sep 18, 202614.50%▲ from 10.75%
Sep 14, 202610.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan
-
-
7.00%
60 months
DetailsCredit Grade: A
Last Updated10/14/2026
Rate History
2 changes since Sep 18, 2026 · 7.00% → 7.00% ▼ 0.00 pts · high 8.00% / low 7.00%
Oct 14, 20267.00%▼ from 8.00%
Oct 10, 20268.00%▲ from 7.00%
Sep 18, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
New Vehicles Loan
-
-
7.25%
72 months
DetailsModel Year: 2025-2024; Credit Grade: B
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2019-2010 Loan
-
-
7.25%
48 months
DetailsCredit Grade: A; Model Year: 2019-2010
Last Updated10/14/2026
Rate History
3 changes since Sep 14, 2026 · 8.25% → 7.25% ▼ 1.00 pts · high 10.75% / low 7.25%
Oct 14, 20267.25%▼ from 8.25%
Sep 22, 20268.25%▼ from 10.75%
Sep 18, 202610.75%▲ from 8.25%
Sep 14, 20268.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan
-
-
7.25%
72 months
DetailsCredit Grade: A
Last Updated10/14/2026
Rate History
2 changes since Sep 18, 2026 · 7.25% → 7.25% ▼ 0.00 pts · high 8.25% / low 7.25%
Oct 14, 20267.25%▼ from 8.25%
Oct 10, 20268.25%▲ from 7.25%
Sep 18, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
New Vehicles Loan
-
-
7.50%
84 months
DetailsModel Year: 2025-2024; Credit Grade: B
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2019-2010 Loan
-
-
7.50%
60 months
DetailsCredit Grade: A; Model Year: 2019-2010
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 8.50% → 7.50% ▼ 1.00 pts · high 8.50% / low 7.50%
Oct 14, 20267.50%▼ from 8.50%
Sep 14, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan
-
-
7.50%
36 months
DetailsCredit Grade: B
Last Updated10/14/2026
Rate History
1 change since Sep 18, 2026 · 6.50% → 7.50% ▲ 1.00 pts · high 7.50% / low 6.50%
Oct 10, 20267.50%▲ from 6.50%
Sep 18, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan
-
-
7.75%
48 months
DetailsCredit Grade: B
Last Updated10/14/2026
Rate History
1 change since Sep 18, 2026 · 6.75% → 7.75% ▲ 1.00 pts · high 7.75% / low 6.75%
Oct 10, 20267.75%▲ from 6.75%
Sep 18, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2009 and older Loan
-
-
8.00%
24 months
DetailsCredit Grade: A
Last Updated10/14/2026
Rate History
3 changes since Sep 18, 2026 · 8.50% → 8.00% ▼ 0.50 pts · high 15.00% / low 8.00%
Oct 14, 20268.00%▼ from 8.50%
Oct 10, 20268.50%▼ from 15.00%
Sep 22, 202615.00%▲ from 8.50%
Sep 18, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2019-2010 Loan
-
-
8.00%
36 months
DetailsCredit Grade: B; Model Year: 2019-2010
Last Updated10/14/2026
Rate History
2 changes since Sep 14, 2026 · 10.75% → 8.00% ▼ 2.75 pts · high 14.50% / low 8.00%
Sep 22, 20268.00%▼ from 14.50%
Sep 18, 202614.50%▲ from 10.75%
Sep 14, 202610.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan
-
-
8.00%
60 months
DetailsCredit Grade: B
Last Updated10/14/2026
Rate History
1 change since Sep 18, 2026 · 7.00% → 8.00% ▲ 1.00 pts · high 8.00% / low 7.00%
Oct 10, 20268.00%▲ from 7.00%
Sep 18, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2009 and older Loan
-
-
8.25%
36 months
DetailsCredit Grade: A
Last Updated10/14/2026
Rate History
3 changes since Sep 18, 2026 · 8.75% → 8.25% ▼ 0.50 pts · high 15.00% / low 8.25%
Oct 14, 20268.25%▼ from 8.75%
Oct 10, 20268.75%▼ from 15.00%
Sep 22, 202615.00%▲ from 8.75%
Sep 18, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2019-2010 Loan
-
-
8.25%
48 months
DetailsCredit Grade: B; Model Year: 2019-2010
Last Updated10/14/2026
Rate History
2 changes since Sep 14, 2026 · 8.25% → 8.25% ▼ 0.00 pts · high 10.75% / low 8.25%
Sep 22, 20268.25%▼ from 10.75%
Sep 18, 202610.75%▲ from 8.25%
Sep 14, 20268.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan
-
-
8.25%
72 months
DetailsCredit Grade: B
Last Updated10/14/2026
Rate History
1 change since Sep 18, 2026 · 7.25% → 8.25% ▲ 1.00 pts · high 8.25% / low 7.25%
Oct 10, 20268.25%▲ from 7.25%
Sep 18, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2009 and older Loan
-
-
8.50%
48 months
DetailsCredit Grade: A
Last Updated10/14/2026
Rate History
1 change since Sep 18, 2026 · 9.00% → 8.50% ▼ 0.50 pts · high 9.00% / low 8.50%
Oct 14, 20268.50%▼ from 9.00%
Sep 18, 20269.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2009 and older Loan
-
-
8.50%
24 months
DetailsCredit Grade: B
Last Updated10/14/2026
Rate History
2 changes since Sep 18, 2026 · 8.50% → 8.50% ▼ 0.00 pts · high 15.00% / low 8.50%
Oct 10, 20268.50%▼ from 15.00%
Sep 22, 202615.00%▲ from 8.50%
Sep 18, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2019-2010 Loan
-
-
8.50%
60 months
DetailsCredit Grade: B; Model Year: 2019-2010
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2009 and older Loan
-
-
8.75%
36 months
DetailsCredit Grade: B
Last Updated10/14/2026
Rate History
2 changes since Sep 18, 2026 · 8.75% → 8.75% ▼ 0.00 pts · high 15.00% / low 8.75%
Oct 10, 20268.75%▼ from 15.00%
Sep 22, 202615.00%▲ from 8.75%
Sep 18, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2009 and older Loan
-
-
9.00%
48 months
DetailsCredit Grade: B
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 9.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
New Vehicles Loan
-
-
9.50%
36 months
DetailsModel Year: 2025-2024; Credit Grade: C
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 6.50% → 9.50% ▲ 3.00 pts · high 9.50% / low 6.50%
Oct 14, 20269.50%▲ from 6.50%
Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
New Vehicles Loan
-
-
9.75%
48 months
DetailsModel Year: 2025-2024; Credit Grade: C
Last Updated10/14/2026
Rate History
2 changes since Sep 14, 2026 · 12.25% → 9.75% ▼ 2.50 pts · high 12.25% / low 6.75%
Oct 14, 20269.75%▲ from 6.75%
Sep 18, 20266.75%▼ from 12.25%
Sep 14, 202612.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan
-
-
9.75%
36 months
DetailsCredit Grade: C
Last Updated10/14/2026
Rate History
2 changes since Sep 18, 2026 · 6.50% → 9.75% ▲ 3.25 pts · high 9.75% / low 6.50%
Oct 14, 20269.75%▲ from 7.50%
Oct 10, 20267.50%▲ from 6.50%
Sep 18, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
New Vehicles Loan
-
-
10.00%
60 months
DetailsModel Year: 2025-2024; Credit Grade: C
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 7.00% → 10.00% ▲ 3.00 pts · high 10.00% / low 7.00%
Oct 14, 202610.00%▲ from 7.00%
Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan
-
-
10.00%
48 months
DetailsCredit Grade: C
Last Updated10/14/2026
Rate History
2 changes since Sep 18, 2026 · 6.75% → 10.00% ▲ 3.25 pts · high 10.00% / low 6.75%
Oct 14, 202610.00%▲ from 7.75%
Oct 10, 20267.75%▲ from 6.75%
Sep 18, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan
-
-
10.25%
60 months
DetailsCredit Grade: C
Last Updated10/14/2026
Rate History
2 changes since Sep 18, 2026 · 7.00% → 10.25% ▲ 3.25 pts · high 10.25% / low 7.00%
Oct 14, 202610.25%▲ from 8.00%
Oct 10, 20268.00%▲ from 7.00%
Sep 18, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2019-2010 Loan
-
-
10.50%
36 months
DetailsCredit Grade: C; Model Year: 2019-2010
Last Updated10/14/2026
Rate History
3 changes since Sep 14, 2026 · 10.75% → 10.50% ▼ 0.25 pts · high 14.50% / low 8.00%
Oct 10, 202610.50%▲ from 8.00%
Sep 22, 20268.00%▼ from 14.50%
Sep 18, 202614.50%▲ from 10.75%
Sep 14, 202610.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2019-2010 Loan
-
-
10.75%
48 months
DetailsCredit Grade: C; Model Year: 2019-2010
Last Updated10/14/2026
Rate History
3 changes since Sep 14, 2026 · 8.25% → 10.75% ▲ 2.50 pts · high 10.75% / low 8.25%
Oct 10, 202610.75%▲ from 8.25%
Sep 22, 20268.25%▼ from 10.75%
Sep 18, 202610.75%▲ from 8.25%
Sep 14, 20268.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
New Vehicles Loan
-
-
12.00%
36 months
DetailsModel Year: 2025-2024; Credit Grade: D
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 6.50% → 12.00% ▲ 5.50 pts · high 12.00% / low 6.50%
Oct 14, 202612.00%▲ from 6.50%
Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2009 and older Loan
-
-
12.00%
36 months
DetailsCredit Grade: C
Last Updated10/14/2026
Rate History
3 changes since Sep 18, 2026 · 8.75% → 12.00% ▲ 3.25 pts · high 15.00% / low 8.75%
Oct 14, 202612.00%▲ from 8.75%
Oct 10, 20268.75%▼ from 15.00%
Sep 22, 202615.00%▲ from 8.75%
Sep 18, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2009 and older Loan
-
-
12.00%
24 months
DetailsCredit Grade: C
Last Updated10/14/2026
Rate History
3 changes since Sep 18, 2026 · 8.50% → 12.00% ▲ 3.50 pts · high 15.00% / low 8.50%
Oct 14, 202612.00%▲ from 8.50%
Oct 10, 20268.50%▼ from 15.00%
Sep 22, 202615.00%▲ from 8.50%
Sep 18, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
New Vehicles Loan
-
-
12.25%
48 months
DetailsModel Year: 2025-2024; Credit Grade: D
Last Updated10/14/2026
Rate History
2 changes since Sep 14, 2026 · 12.25% → 12.25% ▼ 0.00 pts · high 12.25% / low 6.75%
Oct 14, 202612.25%▲ from 6.75%
Sep 18, 20266.75%▼ from 12.25%
Sep 14, 202612.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
New Vehicles Loan
-
-
12.50%
60 months
DetailsModel Year: 2025-2024; Credit Grade: D
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 7.00% → 12.50% ▲ 5.50 pts · high 12.50% / low 7.00%
Oct 14, 202612.50%▲ from 7.00%
Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan
-
-
13.25%
36 months
DetailsCredit Grade: D
Last Updated10/14/2026
Rate History
2 changes since Sep 18, 2026 · 6.50% → 13.25% ▲ 6.75 pts · high 13.25% / low 6.50%
Oct 14, 202613.25%▲ from 7.50%
Oct 10, 20267.50%▲ from 6.50%
Sep 18, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan
-
-
13.50%
48 months
DetailsCredit Grade: D
Last Updated10/14/2026
Rate History
2 changes since Sep 18, 2026 · 6.75% → 13.50% ▲ 6.75 pts · high 13.50% / low 6.75%
Oct 14, 202613.50%▲ from 7.75%
Oct 10, 20267.75%▲ from 6.75%
Sep 18, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan
-
-
13.75%
60 months
DetailsCredit Grade: D
Last Updated10/14/2026
Rate History
2 changes since Sep 18, 2026 · 7.00% → 13.75% ▲ 6.75 pts · high 13.75% / low 7.00%
Oct 14, 202613.75%▲ from 8.00%
Oct 10, 20268.00%▲ from 7.00%
Sep 18, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2019-2010 Loan
-
-
14.25%
36 months
DetailsCredit Grade: D; Model Year: 2019-2010
Last Updated10/14/2026
Rate History
4 changes since Sep 14, 2026 · 10.75% → 14.25% ▲ 3.50 pts · high 14.50% / low 8.00%
Oct 14, 202614.25%▲ from 10.50%
Oct 10, 202610.50%▲ from 8.00%
Sep 22, 20268.00%▼ from 14.50%
Sep 18, 202614.50%▲ from 10.75%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2019-2010 Loan
-
-
14.50%
48 months
DetailsCredit Grade: D; Model Year: 2019-2010
Last Updated10/14/2026
Rate History
4 changes since Sep 14, 2026 · 8.25% → 14.50% ▲ 6.25 pts · high 14.50% / low 8.25%
Oct 14, 202614.50%▲ from 10.75%
Oct 10, 202610.75%▲ from 8.25%
Sep 22, 20268.25%▼ from 10.75%
Sep 18, 202610.75%▲ from 8.25%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2009 and older Loan
-
-
15.00%
36 months
DetailsCredit Grade: D
Last Updated10/14/2026
Rate History
3 changes since Sep 18, 2026 · 8.75% → 15.00% ▲ 6.25 pts · high 15.00% / low 8.75%
Oct 14, 202615.00%▲ from 8.75%
Oct 10, 20268.75%▼ from 15.00%
Sep 22, 202615.00%▲ from 8.75%
Sep 18, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Used Vehicles 2009 and older Loan
-
-
15.00%
24 months
DetailsCredit Grade: D
Last Updated10/14/2026
Rate History
3 changes since Sep 18, 2026 · 8.50% → 15.00% ▲ 6.50 pts · high 15.00% / low 8.50%
Oct 14, 202615.00%▲ from 8.50%
Oct 10, 20268.50%▼ from 15.00%
Sep 22, 202615.00%▲ from 8.50%
Sep 18, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Hutchinson Postal and Community Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Loans
9.50%
up to 48 months
DetailsInterest rates listed are APR (Annual Percentage Rate); rates based on credit scores
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Signature Loans
11.50%
up to 36 months
DetailsInterest rates listed are APR (Annual Percentage Rate); rates based on credit scores
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Signature Loans
15.50%
up to 24 months
DetailsAdditional APR listed for this product: 17.50%. Interest rates listed are APR (Annual Percentage Rate); rates based on credit scores
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 15.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.19%
Financial Health History
Hutchinson Postal and Community Credit Union’s Texas Ratio fell from 6.21% in Q3 2023 to 3.19% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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
$5M
3.19%
5.0
A+
March 31, 2026
$5M
2.77%
5.0
A+
December 31, 2025
$5M
4.30%
5.0
A+
September 30, 2025
$5M
7.18%
5.0
A
June 30, 2025
$5M
6.71%
5.0
A
March 31, 2025
$5M
5.15%
5.0
A+
December 31, 2024
$5M
2.94%
5.0
A+
September 30, 2024
$5M
1.31%
5.0
A+
June 30, 2024
$5M
3.32%
5.0
A+
March 31, 2024
$5M
3.55%
5.0
A+
December 31, 2023
$5M
1.50%
5.0
A+
September 30, 2023
$5M
6.21%
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 Hutchinson Postal and Community 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 Hutchinson Postal and Community 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 Hutchinson Postal and Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameHutchinson Postal and Community Credit Union
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,231,586
Total Interest Expense (Sum of items 6 8)
24,527
Share Certificates
22
Number of Accounts for Share Drafts
256
IRA KEOGH Accounts
12
Number of Accounts for Regular Shares
701
All other shares
46
Non Member Deposits
1
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)
1,017,509
Total Liabilities
4,259,684
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Hutchinson Postal and Community 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
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Frequently Asked Questions About Hutchinson Postal and Community Credit Union
How many branches does Hutchinson Postal and Community Credit Union operate?
Hutchinson Postal and Community 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 Hutchinson Postal and Community Credit Union?
Yes, to access services at Hutchinson Postal and Community 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, Hutchinson Postal and Community 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, Hutchinson Postal and Community Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Hutchinson Postal and Community Credit Union offer online and mobile banking?
Most modern institutions like Hutchinson Postal and Community 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://hutchpccu.com.
Brian McKay
