What are the current interest rates at HEB Federal Credit Union?

Current rates for HEB Federal Credit Union include: 12-Month CD: 1.44%, 18-Month CD: 4.00%, 24-Month CD: 1.33%, 60-Month CD: 1.23%, Savings: 0.05%, MMA: 2.50%

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HEB Federal Credit Union

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HEB Federal Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

HEB Federal Credit Union's top rates as of October 9, 2026 are 4.65% APY on its 6 - 18 Month Super Flex Term CD Special, 0.05% APY on savings, 2.50% APY on money market accounts, 6.89% on its Mortgage, personal loans from 11.98% APR, and credit cards from 17.90% APR, according to rates verified by MonitorBankRates. Other HEB Federal Credit Union CD rates include 6 - 18 Month Flex Term CD Special at 4.00%, 12 Month Term CD at 2.05%, and 24 Month Term CD at 1.90%. 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 0.70%. Rates last updated and verified on 10/09/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.70%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

HEB Federal Credit Union
San Antonio Service Center

4630 N Loop 1604 W Ste 101
San Antonio, TX 78249

https://www.hebfcu.org

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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.

HEB Federal Credit Union CD Rates

Product	Rate	APY	Term
6 - 18 Month Super Flex Term CD Special	4.55%	4.65%	6-18 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
6 - 18 Month Flex Term CD Special	3.93%	4.00%	6-18 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
12 Month Term Share Certificate	2.03%	2.05%	12 Month
Min Balance $10,000 Details Balances greater than $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.75% → 2.05% ▲ 0.30 pts · high 2.05% / low 1.75% Oct 9, 20262.05%▲ from 1.75% Sep 14, 20261.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
24 Month Term Share Certificate	1.89%	1.90%	24 Month
Min Balance $10,000 Details Balances greater than $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.60% → 1.90% ▲ 0.30 pts · high 1.90% / low 1.60% Oct 9, 20261.90%▲ from 1.60% Sep 14, 20261.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
6 Month Term Share Certificate	1.79%	1.80%	6 Month
Min Balance $10,000 Details Balances greater than $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.55% → 1.80% ▲ 0.25 pts · high 1.80% / low 1.55% Oct 9, 20261.80%▲ from 1.55% Sep 14, 20261.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
36 Month Term Share Certificate	1.74%	1.75%	36 Month
Min Balance $10,000 Details Balances greater than $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50% Oct 9, 20261.75%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
60 Month Term Share Certificate	1.74%	1.75%	60 Month
Min Balance $10,000 Details Balances greater than $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50% Oct 9, 20261.75%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
12 Month Term Share Certificate	1.43%	1.44%	12 Month
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.23% → 1.44% ▲ 0.21 pts · high 1.44% / low 1.23% Oct 9, 20261.44%▲ from 1.23% Sep 14, 20261.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
3 Month Term Share Certificate	1.34%	1.35%	3 Month
Min Balance $10,000 Details Balances greater than $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.15% → 1.35% ▲ 0.20 pts · high 1.35% / low 1.15% Oct 9, 20261.35%▲ from 1.15% Sep 14, 20261.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
24 Month Term Share Certificate	1.32%	1.33%	24 Month
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.12% → 1.33% ▲ 0.21 pts · high 1.33% / low 1.12% Oct 9, 20261.33%▲ from 1.12% Sep 14, 20261.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
6 Month Term Share Certificate	1.25%	1.26%	6 Month
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.09% → 1.26% ▲ 0.17 pts · high 1.26% / low 1.09% Oct 9, 20261.26%▲ from 1.09% Sep 14, 20261.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
36 Month Term Share Certificate	1.22%	1.23%	36 Month
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.05% → 1.23% ▲ 0.18 pts · high 1.23% / low 1.05% Oct 9, 20261.23%▲ from 1.05% Sep 14, 20261.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
60 Month Term Share Certificate	1.22%	1.23%	60 Month
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.05% → 1.23% ▲ 0.18 pts · high 1.23% / low 1.05% Oct 9, 20261.23%▲ from 1.05% Sep 14, 20261.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
3 Month Term Share Certificate	0.95%	0.95%	3 Month
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.81% → 0.95% ▲ 0.14 pts · high 0.95% / low 0.81% Oct 9, 20260.95%▲ from 0.81% Sep 14, 20260.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

HEB Federal Credit Union Savings Rates

Product	Rate	APY
H-E-Buddy Youth Savings Account	0.05%	0.05%
Min Deposit $25 Min Balance $25 Details Balance: $25.00 and greater Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
H-E-Buddy Youth Savings Account	0.05%	0.05%
Min Balance $1,000 Details 0.05% on entire balance Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Savings (Shares)	0.05%	0.05%
Min Balance $1,000 Details 0.05% on entire balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

HEB Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Plus	2.47%	2.50%
Min Balance $100,000 Details Balance: Greater than $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Money Market Plus	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000 - $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Money Market	0.75%	0.75%
Min Balance $10,000 Details Balance: Greater than $10,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 0.40% → 0.75% ▲ 0.35 pts · high 0.75% / low 0.40% Oct 9, 20260.75%▲ from 0.40% Sep 21, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Money Market	0.50%	0.50%
Min Balance $1,500 Details Balance: $1500.00 - $10,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.50% ▲ 0.40 pts · high 0.50% / low 0.10% Oct 9, 20260.50%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

HEB Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Mortgage	-	-	6.89%	7 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.16% → 6.89% ▲ 0.73 pts · high 6.89% / low 6.16% Oct 9, 20266.89%▲ from 6.16% Sep 14, 20266.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

HEB Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity	-	-	6.50%	5 years
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.50% ▲ 0.51 pts · high 6.50% / low 5.99% Oct 9, 20266.50%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Home Equity	-	-	6.75%	10 years
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 9, 20266.75%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Home Equity	-	-	7.00%	15 years
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 9, 20267.00%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

HEB Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	5.25%	36 month
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.99% → 5.25% ▲ 0.26 pts · high 5.25% / low 4.99% Oct 9, 20265.25%▲ from 4.99% Sep 17, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Used Auto (1 - 5 Year Model)	-	-	5.25%	36 month
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.99% → 5.25% ▲ 0.26 pts · high 5.25% / low 4.99% Oct 9, 20265.25%▲ from 4.99% Sep 17, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
New Auto	-	-	5.35%	48 month
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.99% → 5.35% ▲ 0.36 pts · high 5.35% / low 4.99% Oct 9, 20265.35%▲ from 4.99% Sep 17, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Used Auto (1 - 5 Year Model)	-	-	5.35%	48 month
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.99% → 5.35% ▲ 0.36 pts · high 5.35% / low 4.99% Oct 9, 20265.35%▲ from 4.99% Sep 17, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
New Auto	-	-	5.45%	60 month
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.99% → 5.45% ▲ 0.46 pts · high 5.45% / low 4.99% Oct 9, 20265.45%▲ from 4.99% Sep 17, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Used Auto (1 - 5 Year Model)	-	-	5.45%	60 month
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.99% → 5.45% ▲ 0.46 pts · high 5.45% / low 4.99% Oct 9, 20265.45%▲ from 4.99% Sep 17, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
New Auto & Above	-	-	5.55%	72 month
Details $22,000; As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Used Auto & Above	-	-	5.55%	72 month
Details $22,000; As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.55% ▲ 0.56 pts · high 5.55% / low 4.99% Oct 9, 20265.55%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
New Auto & Above	-	-	6.25%	84 month
Details $35,000; As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99% Oct 9, 20266.25%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Used Auto & Above	-	-	6.25%	84 month
Details $35,000; As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99% Oct 9, 20266.25%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

HEB Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boat Loan	-	7.00%	36 month
Details As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
New Boat Loan	-	7.00%	48 month
Details As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
New Boat Loan	-	7.00%	60 month
Details As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
New Motorcycle Loan	-	7.00%	24 months
Details Term: 24 / 36 / 48 / 60 month terms; As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Used Boat Loan	-	7.00%	36 month
Details As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Used Boat Loan	-	7.00%	48 month
Details As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Used Boat Loan	-	7.00%	60 month
Details As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Used Motorcycle Loan	-	7.00%	12 months
Details Term: 12 / 24 / 36 / 48 month term; As Low As Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
New Boat/RV & Above Loan	-	8.00%	72 month
Details $22,000; As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Used Boat/RV Loan & Above	-	8.00%	72 month
Details $22,000; As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
New Boat/RV & Above Loan	-	8.50%	84 month
Details $35,000; As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Used Boat/RV Loan & Above	-	8.50%	84 month
Details $35,000; As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Motorcycle Loans - Line of Credit	-	12.99%
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

HEB Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Mastercard	-	17.90%
Details Intro/promo APR: 12.65%; Published APR range: 12.65% - 17.90%. Intro rate expires: 2.99%; Regular APR: 17.90% Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 12.90% → 17.90% ▲ 5.00 pts · high 17.90% / low 12.65% Oct 9, 202617.90%▲ from 12.65% Sep 25, 202612.65%▼ from 12.90% Sep 21, 202612.90%▼ from 17.90% Sep 18, 202617.90%▲ from 12.90% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Platinum Rewards Mastercard	-	17.90%
Details Intro/promo APR: 15.65%; Published APR range: 15.65% - 17.90%. Intro rate expires: 2.99%; Regular APR: 17.90% Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 15.40% → 17.90% ▲ 2.50 pts · high 17.90% / low 15.40% Oct 9, 202617.90%▲ from 15.65% Sep 25, 202615.65%▲ from 15.40% Sep 21, 202615.40%▼ from 17.90% Sep 18, 202617.90%▲ from 15.40% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Secured Mastercard	-	17.99%
Details Regular APR: 17.99% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

HEB Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	11.98%	Up to 24 months
Details As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.98% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Personal Loan	12.98%	Up to 48 months
Details As Low As; ** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.98% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

HEB Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Variable IRA Share Account	4.04%	-	4.12%
Min Deposit $50 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.12% ▲ 0.47 pts · high 4.12% / low 3.65% Oct 5, 20264.12%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

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

HEB Federal Credit Union’s Texas Ratio stayed near 1.00% in Q3 2023 to 0.70% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$218M	0.70%	5.0	A+
March 31, 2026	$218M	0.54%	5.0	A+
December 31, 2025	$215M	0.93%	5.0	A+
September 30, 2025	$210M	0.72%	5.0	A+
June 30, 2025	$209M	0.29%	5.0	A+
March 31, 2025	$211M	0.43%	5.0	A+
December 31, 2024	$209M	0.44%	5.0	A+
September 30, 2024	$200M	1.30%	5.0	A+
June 30, 2024	$203M	0.59%	5.0	A+
March 31, 2024	$207M	1.05%	5.0	A+
December 31, 2023	$208M	0.79%	5.0	A+
September 30, 2023	$209M	1.00%	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 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 Gracie Toyosima

CEO Don Ford

Full-Time Employees 31

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.70%

Return on Assets (ROA)

0.4726%

Return on Equity (ROE)

2.5807%

Non-Performing Loans Ratio (NPL)

0.19%

Total Assets

218,236,000

Total Amount of Shares and Deposits

172,645,957

Total Shares and Deposits < 1 Year

158,712,313

Total Shares and Deposits 1 3 Years

12,365,587

Total Shares and Deposits > 3 Years

1,568,058

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

6,399,143

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

6,399,143

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

166,246,814

Total Interest Expense (Sum of items 6 8)

1,196,355

Share Certificates

716

Number of Accounts for Share Drafts

7,219

IRA KEOGH Accounts

277

Number of Accounts for Regular Shares

14,790

Money Market Shares

449

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)

27,973,152

Total Liabilities

178,257,858

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

HEB Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About HEB Federal Credit Union

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.