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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.
 HEB Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: April 18, 2026
HEB Federal Credit Union's 12 Month Term CD rates are at 1.65%, 6 Month Term CD rates are at 1.60%, 24 Month Term CD rates are at 1.50%, 36 Month Term CD rates are at 1.40%, 60 Month Term CD rates are at 1.40%. HEB Federal Credit Union's savings rates are at 0.05%. HEB Federal Credit Union's money market rates are at 0.10%. HEB Federal Credit Union's Personal Loan Rates are at 11.98%. MonitorBankRates evaluates the financial stability of HEB Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.73%. Rates were last updated on 04/18/2026. HEB 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 HEB Federal Credit Union? Share your experience about HEB Federal Credit Union by leaving a review below, or read customer reviews before you decide to use HEB Federal Credit Union. HEB Federal Credit Union
San Antonio Service Center 4630 N Loop 1604 W Ste 101
https://www.hebfcu.org San Antonio, TX 78249 
HEB Federal Credit Union CD Rates
HEB Federal Credit Union Savings Rates
HEB Federal Credit Union Money Market Rates
HEB Federal Credit Union Mortgage Rates
HEB Federal Credit Union Home Equity & HELOC
HEB Federal Credit Union Credit Card Rates
HEB Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for HEB 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 HEB 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 HEB Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
HEB Federal Credit Union
Website
https://www.hebfcu.org
Address
4630 N Loop 1604 W Ste 101,
San Antonio, TX 78249
Phone
210-938-7850
Fax
210-938-7864
President
John Carroll
CEO
Don Ford
Full-Time Employees
33
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.73%
Return on Assets (ROA)
0.6419%
Return on Equity (ROE)
3.5416%
Non-Performing Loans Ratio (NPL)
0.18%
Total Assets
209,925,510
Total Amount of Shares and Deposits
165,924,527
Total Shares and Deposits < 1 Year
156,788,051
Total Shares and Deposits 1 3 Years
8,242,381
Total Shares and Deposits > 3 Years
894,095
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,718,118
Total Uninsured Shares and Deposits > $250K (F+J)
7,718,118
Total Insured Shares and Deposits > $250K (item 17 less item K)
158,206,409
Total Interest Expense (Sum of items 6 8)
1,492,563
Share Certificates
587
Number of Accounts for Share Drafts
7,232
IRA KEOGH Accounts
287
Number of Accounts for Regular Shares
14,894
Money Market Shares
460
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,943,898
Total Liabilities
171,894,286
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About HEB Federal Credit UnionIs HEB Federal Credit Union a safe place to deposit money?Yes, HEB Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.72885912728866%, 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 HEB Federal Credit Union operate?HEB 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 HEB Federal Credit Union?Yes, to access services at HEB 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, HEB 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, HEB Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does HEB Federal Credit Union offer online and mobile banking?Most modern institutions like HEB 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.hebfcu.org. Current HEB Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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