☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Credit Human Federal Credit Union

iAdvertiser Disclosure

Credit Human Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Credit Human Federal Credit Union?

Current rates for Credit Human Federal Credit Union include: 12-Month CD: 3.64%, 18-Month CD: 3.95%, 24-Month CD: 3.95%, 60-Month CD: 3.98%, Savings: 0.50%

Q: What CD terms does Credit Human Federal Credit Union offer?

Credit Human Federal Credit Union CD rates are 3.64% APY for a 12 month CD, 3.95% APY for a 17 month CD, 3.95% APY for an 18 month CD, 3.95% APY for a 23 month CD, 3.95% APY for a 2 year CD, 3.96% APY for a 35 month CD, 3.98% APY for a 59 month CD and 3.98% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Credit Human Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 31, 2026

Credit Human Federal Credit Union's 36 - 59 Month CD rates are at 3.98%, 24 - 35 Month CD rates are at 3.96%, 12 - 17 Month CD rates are at 3.95%, 18 - 23 Month CD rates are at 3.95%, 18 Month Sustainable CD rates are at 3.95%. Credit Human Federal Credit Union's savings rates are at 0.50%. Credit Human Federal Credit Union's checking rates are as high as 0.10%. Credit Human Federal Credit Union's Home Refinance Loan rates are at 6.85%. Credit Human Federal Credit Union's Personal Loan Rates are as low as 15.06%. Credit Human Federal Credit Union's CD rates are 36% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Credit Human Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.83%. Rates last updated and verified on 10/31/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.83%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Credit Human Federal Credit Union
1703 Broadway

1703 Broadway St
San Antonio, TX 78215-1438

https://www.credithuman.com

Customer Reviews

Be the first to review

Write a Review

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.

Credit Human Federal Credit Union CD Rates

Product	Rate	APY	Term
36 - 59 Month Roth IRA Certificate	3.91%	3.98%	36 - 59 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 and up Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.98% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
36 - 59 Month Share Certificate	3.91%	3.98%	36 - 59 months
Min Balance $500 Details Balance: $500.00 and up Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.98% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
24 - 35 Month Roth IRA Certificate	3.89%	3.96%	24 - 35 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 and up Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
24 - 35 Month Share Certificate	3.89%	3.96%	24 - 35 months
Min Balance $500 Details Balance: $500.00 and up Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.96% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
12 - 17 Month Roth IRA Certificate	3.88%	3.95%	12 - 17 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 and up Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
12 - 17 Month Share Certificate	3.88%	3.95%	12 - 17 months
Min Balance $500 Details Balance: $500.00 and up Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.95% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
18 - 23 Month Roth IRA Certificate	3.88%	3.95%	18 - 23 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 and up Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
18 - 23 Month Share Certificate	3.88%	3.95%	18 - 23 months
Min Balance $500 Details Balance: $500.00 and up Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.95% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
18 Month Sustainable Share Certificate	3.88%	3.95%	18 months
Min Balance $500 Details Balance: $500.00 and up; Dividend rate and APY; early withdrawal penalty applies Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
6 - 11 Month Roth IRA Certificate	3.74%	3.80%	6 - 11 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 and up Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
6 - 11 Month Share Certificate	3.74%	3.80%	6 - 11 months
Min Balance $500 Details Balance: $500.00 and up Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.80% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
12 Month Liquid Share Certificate	3.58%	3.64%	12 months
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 and up; 12-Month Liquid Share Certificate; two no-penalty withdrawals during the term while maintaining a minimum balance of $5,000; early withdrawal penalty applies Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.64% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
3 - 5 Month Share Certificate	3.01%	3.05%	3 - 5 months
Min Balance $500 Details Balance: $500.00 and up Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%

Credit Human Federal Credit Union Savings Rates

Product	Rate	APY	View More
Share Savings	0.50%	0.50%
Min Balance $100 Details Balance: $100.00 and up; Balance tier determines daily dividend rate and APY on daily account balance Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%

Credit Human Federal Credit Union Checking Rates

Product	Rate	APY	View More
Dividend Checking	0.10%	0.10%
Min Deposit $25 Min Balance $5 Details Balance: $5; Variable rate and APY may change after account is opened; Fees could reduce earnings; Membership eligibility required Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%

Credit Human Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Home Refinance Loan	6.85%	-	6.936%	30 years
Details As Low As; Minimum loan $50,000; Maximum loan $832,750; Disclosed rates based on $225,000 loan amount, FICO 780+, maximum 75% LTV Last Updated 10/31/2026 Rate History 1 change since Oct 22, 2026 · 7.26% → 6.94% ▼ 0.33 pts · high 7.26% / low 6.94% Oct 31, 20266.94%▼ from 7.26% Oct 22, 20267.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%

Credit Human Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - Up to 15 years-1st	7.20%	-	7.367%	Up to 15 years
Details As Low As; Lien: 1st; Minimum loan: $15,000; Maximum loan: $350,000; Rates effective as of 10-30-2026; Disclosed rates based on a $175,000 loan amount, FICO of 740+ with a maximum loan-to-value of 80% Last Updated 10/31/2026 Rate History 2 changes since Oct 22, 2026 · 7.57% → 7.37% ▼ 0.20 pts · high 7.57% / low 7.37% Oct 31, 20267.37%▼ from 7.47% Oct 26, 20267.47%▼ from 7.57% Oct 22, 20267.57%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Home Equity Loan - 20 years-1st	7.325%	-	7.46%	20 years
Details As Low As; Lien: 1st; Minimum loan: $15,000; Maximum loan: $350,000; Rates effective as of 10-30-2026; Disclosed rates based on a $175,000 loan amount, FICO of 740+ with a maximum loan-to-value of 80% Last Updated 10/31/2026 Rate History 2 changes since Oct 22, 2026 · 7.64% → 7.46% ▼ 0.18 pts · high 7.64% / low 7.46% Oct 31, 20267.46%▼ from 7.51% Oct 26, 20267.51%▼ from 7.64% Oct 22, 20267.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Home Equity Loan - 15 years-2nd	8.10%	-	8.272%	15 years
Details As Low As; Lien: 2nd; Minimum loan: $15,000; Maximum loan: $250,000; Rates effective as of 10-30-2026; Disclosed rates based on a $175,000 loan amount, FICO of 740+ with a maximum loan-to-value of 80% Last Updated 10/31/2026 Rate History 2 changes since Oct 22, 2026 · 8.47% → 8.27% ▼ 0.20 pts · high 8.47% / low 8.27% Oct 31, 20268.27%▼ from 8.37% Oct 26, 20268.37%▼ from 8.47% Oct 22, 20268.47%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%

Credit Human Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 2023 and newer	-	-	5.69%	24 - 84 months
Details Model Year: 2023 and newer; Minimum loan: $7,500; APR range: 5.69% - 14.29%; Rate discounts may apply; Rates effective as of 07-01-2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Auto Loan - Model Year 2023 and newer	-	-	5.69%	24 - 84 months
Details Vehicle model year: 2023 and newer; Minimum loan: $7,500; Rate range: 5.69% - 14.29%; Rates effective as of 07-01-2026; 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score; 79 - 84-month term requires minimum 680 FICO score and $25,000 amount financed Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Automobile Loan - 2023 and newer	-	-	5.69%	24 - 84 months
Details Model Year: 2023 and newer; Rate range: 5.69% - 14.29% APR; Minimum loan: $7,500; Minimum 680 FICO and $25,000 amount financed for 79 - 84-month term; 5.69% APR is for a 24 - 48-month term with minimum 780 FICO and includes .40% auto pay discount Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Auto Loan - 2016 - 2018	-	-	5.89%	24 - 60 months
Details Model Year: 2016 - 2018; Minimum loan: $7,500; APR range: 5.89% - 14.09%; Rate discounts may apply; Rates effective as of 07-01-2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Auto Loan - 2019	-	-	5.89%	24 - 63 months
Details Model Year: 2019; Minimum loan: $7,500; APR range: 5.89% - 14.09%; Rate discounts may apply; Rates effective as of 07-01-2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Auto Loan - 2020	-	-	5.89%	24 - 69 months
Details Model Year: 2020; Minimum loan: $7,500; APR range: 5.89% - 14.09%; Rate discounts may apply; Rates effective as of 07-01-2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Auto Loan - 2021 - 2022	-	-	5.89%	24 - 72 months
Details Model Year: 2021 - 2022; Minimum loan: $7,500; APR range: 5.89% - 14.29%; Rate discounts may apply; Rates effective as of 07-01-2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Auto Loan - Model Year 2016 - 2018	-	-	5.89%	24 - 60 months
Details Vehicle model year: 2016 - 2018; Minimum loan: $7,500; Rate range: 5.89% - 14.09%; Rates effective as of 07-01-2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Auto Loan - Model Year 2019	-	-	5.89%	24 - 63 months
Details Vehicle model year: 2019; Minimum loan: $7,500; Rate range: 5.89% - 14.09%; Rates effective as of 07-01-2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Auto Loan - Model Year 2020	-	-	5.89%	24 - 69 months
Details Vehicle model year: 2020; Minimum loan: $7,500; Rate range: 5.89% - 14.09%; Rates effective as of 07-01-2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Auto Loan - Model Year 2021 - 2022	-	-	5.89%	24 - 72 months
Details Vehicle model year: 2021 - 2022; Minimum loan: $7,500; Rate range: 5.89% - 14.29%; Rates effective as of 07-01-2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Automobile Loan - 2016 - 2018	-	-	5.89%	24 - 60 months
Details Model Year: 2016 - 2018; Rate range: 5.89% - 14.09% APR; Minimum loan: $7,500 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Automobile Loan - 2019	-	-	5.89%	24 - 63 months
Details Model Year: 2019; Rate range: 5.89% - 14.09% APR; Minimum loan: $7,500 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Automobile Loan - 2020	-	-	5.89%	24 - 69 months
Details Model Year: 2020; Rate range: 5.89% - 14.09% APR; Minimum loan: $7,500 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Automobile Loan - 2021 - 2022	-	-	5.89%	24 - 72 months
Details Model Year: 2021 - 2022; Rate range: 5.89% - 14.29% APR; Minimum loan: $7,500 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%

Credit Human Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV Loan - Model Year 2016 and Newer	-	6.94%	97 - 120 months
Details Published APR range: 6.94 - 14.79%. Model year 2016 and newer; Minimum loan: $25,000; Rates effective as of 06-20-2025; APR includes .20% discount for automatic payments from a checking or savings account Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 6.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
RV Loan - Model Year 2016 and Newer	-	7.04%	85 - 96 months
Details Published APR range: 7.04 - 14.89%. Model year 2016 and newer; Minimum loan: $20,000; Rates effective as of 06-20-2025; APR includes .20% discount for automatic payments from a checking or savings account Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 7.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Boat Loan - Model Year 2016 and Newer	-	7.24%	73 - 84 months
Details APR range: 7.24% - 15.09%; Minimum loan: $25,000; Rates effective as of 06-20-2025; Includes .20% discount for automatic loan payments from any checking or saving account Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
RV Loan - Model Year 2016 and Newer	-	7.24%	61 - 84 months
Details Published APR range: 7.24 - 15.09%. Model year 2016 and newer; Minimum loan: $15,000; Rates effective as of 06-20-2025; APR includes .20% discount for automatic payments from a checking or savings account Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Boat Loan - Model Year 2016 and Newer	-	7.29%	61 - 72 months
Details APR range: 7.29% - 15.14%; Minimum loan: $20,000; Rates effective as of 06-20-2025; Includes .20% discount for automatic loan payments from any checking or saving account Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 7.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Boat Loan - Model Year 2016 and Newer	-	7.34%	49 - 60 months
Details APR range: 7.34% - 15.19%; Minimum loan: $10,000; Rates effective as of 06-20-2025; Includes .20% discount for automatic loan payments from any checking or saving account Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 7.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Motorcycle Loan	-	7.34%	49 - 60 months
Details Published APR range: 7.34 - 15.19%. Model year 2016 or newer; Minimum loan: $10,000; Rates effective as of 06-20-2025 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 7.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
RV Loan - Model Year 2016 and Newer	-	7.34%	49 - 60 months
Details Published APR range: 7.34 - 15.19%. Model year 2016 and newer; Minimum loan: $10,000; Rates effective as of 06-20-2025; APR includes .20% discount for automatic payments from a checking or savings account Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 7.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Boat Loan - Model Year 2016 and Newer	-	7.44%	1 - 48 months
Details APR range: 7.44% - 15.29%; Minimum loan: $5,000; Rates effective as of 06-20-2025; Includes .20% discount for automatic loan payments from any checking or saving account Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 7.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Motorcycle Loan	-	7.44%	1 - 48 months
Details Published APR range: 7.44 - 15.29%. Model year 2016 or newer; Minimum loan: $5,000; Rates effective as of 06-20-2025 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 7.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
RV Loan - Model Year 2016 and Newer	-	7.44%	1 - 48 months
Details Published APR range: 7.44 - 15.29%. Model year 2016 and newer; Minimum loan: $5,000; Rates effective as of 06-20-2025; APR includes .20% discount for automatic payments from a checking or savings account Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 7.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%

Credit Human Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	15.06%	1 - 12 months
Details Published APR range: 15.06 - 18.00%. Minimum loan: $500; Rates effective as of 04-06-2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 15.06% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Personal Loan	15.11%	13 - 24 months
Details Published APR range: 15.11 - 18.00%. Minimum loan: $2,000; Rates effective as of 04-06-2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 15.11% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Personal Loan	15.14%	25 - 36 months
Details Published APR range: 15.14 - 18.00%. Minimum loan: $3,000; Rates effective as of 04-06-2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 15.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Personal Loan	15.17%	37 - 48 months
Details Published APR range: 15.17 - 18.00%. Minimum loan: $4,000; Rates effective as of 04-06-2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 15.17% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Personal Loan	15.22%	49 - 60 months
Details Published APR range: 15.22 - 18.00%. Minimum loan: $5,000; Rates effective as of 04-06-2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 15.22% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Personal Loan	15.31%	61 - 72 months
Details Published APR range: 15.31 - 18.00%. Minimum loan: $10,000; Rates effective as of 04-06-2026 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 15.31% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%

Credit Human Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan - 20 Years	7.325%	-	7.46%	20 years
Details As Low As; Minimum loan $15,000; Maximum loan $350,000; Rates effective as of 10-30-2026 Last Updated 10/31/2026 Rate History 2 changes since Oct 22, 2026 · 7.64% → 7.46% ▼ 0.18 pts · high 7.64% / low 7.46% Oct 31, 20267.46%▼ from 7.51% Oct 26, 20267.51%▼ from 7.64% Oct 22, 20267.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Home Loan Purchase - 30 years	6.85%	-	6.936%	30 years
Details As Low As; Minimum loan $50,000; Maximum loan $832,750; Rates effective as of 10-30-2026; Disclosed rates based on purchase of $225,000 loan amount, FICO 780+, maximum loan-to-value 75% Last Updated 10/31/2026 Rate History 2 changes since Oct 22, 2026 · 7.26% → 6.94% ▼ 0.33 pts · high 7.26% / low 6.94% Oct 31, 20266.94%▼ from 7.04% Oct 26, 20267.04%▼ from 7.26% Oct 22, 20267.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Line of Credit Loan	-	-	11.99%
Details Loan amount: $500 - $5,000; Rates effective as of 04-05-2024 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 11.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
QMoney Loan	-	-	28.00%	60 days
Details Minimum loan: $200; Loan amount: $200 - $500; Rates effective as of 08-20-2023; Eligibility: Credit Human member, primary account holder, open deposit account for 6+ months, at least 18 years old, no overdrawn accounts or past-due/charged-off loans; $20 non-refundable application fee Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 28.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Roth Money Fund IRA	0.30%	-	0.30%
Min Balance $0 Details Balance: $0.00 - $499.99; Includes Traditional, Roth, and Education IRAs Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Roth Money Fund IRA	0.50%	-	0.50%
Min Balance $500 Details Balance: $500.00 - $999.99; Includes Traditional, Roth, and Education IRAs Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Roth Money Fund IRA	1.49%	-	1.50%
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Includes Traditional, Roth, and Education IRAs Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Roth Money Fund IRA	1.74%	-	1.75%
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99; Includes Traditional, Roth, and Education IRAs Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Roth Money Fund IRA	2.09%	-	2.11%
Min Balance $90,000 Details Balance: $90,000.00 and up; Includes Traditional, Roth, and Education IRAs Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 2.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Credit Human Federal Credit Union’s Texas Ratio fell from 16.56% in Q3 2023 to 11.83% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.9 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	$4.3B	11.83%	5.0	A
March 31, 2026	$4.4B	11.80%	5.0	A
December 31, 2025	$4.5B	12.98%	5.0	A
September 30, 2025	$4.4B	12.57%	5.0	A
June 30, 2025	$4.4B	14.48%	5.0	A-
March 31, 2025	$4.5B	14.50%	5.0	A-
December 31, 2024	$4.3B	16.59%	4.9	A-
September 30, 2024	$4.4B	14.15%	5.0	A-
June 30, 2024	$4.4B	13.97%	5.0	A
March 31, 2024	$4.3B	14.88%	5.0	A-
December 31, 2023	$4.2B	18.17%	4.7	B+
September 30, 2023	$3.8B	16.56%	4.9	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 Credit Human 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 Credit Human 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 Credit Human Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Credit Human Federal Credit Union

Website https://www.credithuman.com

Address 1703 Broadway St, San Antonio, TX 78215-1438

Phone 210-258-1390

Fax

President Blaise Bender

CEO Stephen Hennigan

Full-Time Employees 848

Part-Time Employees 3

Branch Locations 28

ATM Locations 28

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.83%

Return on Assets (ROA)

0.0540%

Return on Equity (ROE)

0.7349%

Non-Performing Loans Ratio (NPL)

1.09%

Total Assets

4,342,949,569

Total Amount of Shares and Deposits

3,591,212,769

Total Shares and Deposits < 1 Year

2,824,766,726

Total Shares and Deposits 1 3 Years

553,607,822

Total Shares and Deposits > 3 Years

212,838,222

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

236,799,995

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

242,634,635

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

3,348,578,134

Total Interest Expense (Sum of items 6 8)

55,033,193

Share Certificates

31,844

Number of Accounts for Share Drafts

73,176

IRA KEOGH Accounts

9,233

Number of Accounts for Regular Shares

259,260

All other shares

1,844

Non Member Deposits

178

Money Market Shares

6,350

Net Income (unless the amount is already included in Undivided Earnings)

2,346,871

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)

129,213,511

Total Liabilities

4,019,577,361

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Credit Human Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/credit-human-federal-credit-union-rates-review-24382">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Credit Human Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Credit Human Federal Credit Union

Frequently Asked Questions About Credit Human Federal Credit Union

Does Credit Human Federal Credit Union offer CDs?

Yes. Credit Human Federal Credit Union current CD rates include its 36 - 59 Month CD at 3.98% APY, its 24 - 35 Month CD at 3.96% APY and its 12 - 17 Month CD at 3.95% APY, verified by MonitorBankRates as of October 31, 2026.

Are CDs from Credit Human Federal Credit Union NCUA insured?

Yes. Credit Human Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Credit Human Federal Credit Union?

The highest Credit Human Federal Credit Union CD rate is its 36 - 59 Month Roth IRA CD at 3.98% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does Credit Human Federal Credit Union offer?

Credit Human Federal Credit Union CD rates are 3.64% APY for a 12 month CD, 3.95% APY for a 17 month CD, 3.95% APY for an 18 month CD, 3.95% APY for a 23 month CD, 3.95% APY for a 2 year CD, 3.96% APY for a 35 month CD, 3.98% APY for a 59 month CD and 3.98% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Credit Human Federal Credit Union for its full lineup.

What is the highest savings rate at Credit Human Federal Credit Union?

The highest Credit Human Federal Credit Union savings rate is its Savings at 0.50% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest checking rate at Credit Human Federal Credit Union?

The highest Credit Human Federal Credit Union checking rate is its Dividend Checking at 0.10% APY, verified by MonitorBankRates as of October 31, 2026.

What is the lowest mortgage rate at Credit Human Federal Credit Union?

The lowest Credit Human Federal Credit Union mortgage rate is its Home Refinance Loan at 6.85%, verified by MonitorBankRates as of October 31, 2026.

What is the lowest auto loan rate at Credit Human Federal Credit Union?

The lowest Credit Human Federal Credit Union auto loan rate is its Auto Loan - 2023 and newer at 5.69% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest personal loan rate at Credit Human Federal Credit Union?

The lowest Credit Human Federal Credit Union personal loan rate is its Personal Loan at 15.06% APR, verified by MonitorBankRates as of October 31, 2026.

How many branches does Credit Human Federal Credit Union operate?

Credit Human 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 Credit Human Federal Credit Union?

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

Does Credit Human Federal Credit Union offer online and mobile banking?

Most modern institutions like Credit Human 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.credithuman.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Credit Human Federal Credit Union rates compare?

Credit Human Federal Credit Union's CD rates are 36% higher than the MonitorBankRates national average, and it has an A health rating. Credit Human Federal Credit Union's top rates are its 36 - 59 Month Roth IRA CD at 3.98% APY, its Savings at 0.50% APY, its Dividend Checking at 0.10% APY, its Home Refinance Loan at 6.85% and its Personal Loan at 15.06% APR, verified by MonitorBankRates on October 31, 2026.

Current Credit Human Federal Credit Union Rates

12-Month CD3.64%
18-Month CD3.95%
24-Month CD3.95%
60-Month CD3.98%
Savings0.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Credit Human Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Credit Human Federal Credit Union Texas Ratio

Credit Human Federal Credit Union Health Trend

Credit Human Federal Credit Union CD Rates

Credit Human Federal Credit Union Savings Rates

Credit Human Federal Credit Union Checking Rates

Credit Human Federal Credit Union Mortgage Rates

Credit Human Federal Credit Union Home Equity & HELOC

Credit Human Federal Credit Union Auto Loan Rates

Credit Human Federal Credit Union RV, Boat and Powersport Loan Rates

Credit Human Federal Credit Union Personal Loan Rates

Credit Human Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Credit Human Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Credit Human Federal Credit Union

Does Credit Human Federal Credit Union offer CDs?

Are CDs from Credit Human Federal Credit Union NCUA insured?

What is the highest CD rate at Credit Human Federal Credit Union?

What CD terms does Credit Human Federal Credit Union offer?

What is the highest savings rate at Credit Human Federal Credit Union?

What is the highest checking rate at Credit Human Federal Credit Union?

What is the lowest mortgage rate at Credit Human Federal Credit Union?

What is the lowest auto loan rate at Credit Human Federal Credit Union?

What is the lowest personal loan rate at Credit Human Federal Credit Union?

How many branches does Credit Human Federal Credit Union operate?

Is a member application needed to join Credit Human Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Credit Human Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Credit Human Federal Credit Union rates compare?

Current Credit Human Federal Credit Union Rates

Compare to Other Credit Unions