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 Hampton Roads Educator's Credit Union Inc Rates & Review September 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.
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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: September 22, 2026
Hampton Roads Educator's Credit Union Inc's 12 Month CD rates are at 1.76%, 24 Month CD rates are at 1.51%, 36 Month CD rates are at 1.26%. Hampton Roads Educator's Credit Union Inc's savings rates are at 0.05%. Hampton Roads Educator's Credit Union Inc's money market rates are at 1.00%. Hampton Roads Educator's Credit Union Inc's Personal Loan Rates are as low as 10.00%. MonitorBankRates evaluates the financial stability of Hampton Roads Educator's Credit Union Inc with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.62%. Rates last updated and verified on 09/22/2026. Hampton Roads Educator's Credit Union Inc 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 Hampton Roads Educator's Credit Union Inc? Share your experience about Hampton Roads Educator's Credit Union Inc by leaving a review below, or read customer reviews before you decide to use Hampton Roads Educator's Credit Union Inc. Hampton Roads Educator's Credit Union Inc
Hampton Roads Educators' Credit Union 2130 Cunningham Dr
https://www.hrecu.org Hampton, VA 23666 
Hampton Roads Educator's Credit Union Inc CD Rates
Hampton Roads Educator's Credit Union Inc Savings Rates
Hampton Roads Educator's Credit Union Inc Money Market Rates
Hampton Roads Educator's Credit Union Inc Home Equity & HELOC
Hampton Roads Educator's Credit Union Inc Auto Loan Rates
Hampton Roads Educator's Credit Union Inc Personal Loan Rates
Hampton Roads Educator's Credit Union Inc Other Rates
Financial Health HistoryHampton Roads Educator's Credit Union Inc’s Texas Ratio rose from 0.02% in Q2 2023 to 4.62% in Q1 2026, so its financial health has weakened 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Hampton Roads Educator's Credit Union Inc 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 Hampton Roads Educator's Credit Union Inc 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 Hampton Roads Educator's Credit Union Inc's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Hampton Roads Educator's Credit Union Inc
Website
https://www.hrecu.org
Address
2130 Cunningham Dr,
Hampton, VA 23666
Phone
757-838-0707
Fax
757-838-0776
President
Cornelious Chambliss
CEO
Karen Orie
Full-Time Employees
13
Part-Time Employees
1
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.62%
Return on Assets (ROA)
0.1102%
Return on Equity (ROE)
1.3118%
Non-Performing Loans Ratio (NPL)
1.10%
Total Assets
46,523,248
Total Amount of Shares and Deposits
41,761,318
Total Shares and Deposits < 1 Year
41,474,146
Total Shares and Deposits 1 3 Years
287,172
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
473,235
Total Uninsured Shares and Deposits > $250K (F+J)
473,235
Total Insured Shares and Deposits > $250K (item 17 less item K)
41,288,083
Total Interest Expense (Sum of items 6 8)
32,083
Share Certificates
49
Number of Accounts for Share Drafts
2,536
Number of Accounts for Regular Shares
5,353
Money Market Shares
137
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)
4,044,645
Total Liabilities
42,064,939
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Hampton Roads Educator's Credit Union IncHow many branches does Hampton Roads Educator's Credit Union Inc operate?Hampton Roads Educator's Credit Union Inc 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 Hampton Roads Educator's Credit Union Inc?Yes, to access services at Hampton Roads Educator's Credit Union Inc, 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, Hampton Roads Educator's Credit Union Inc 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, Hampton Roads Educator's Credit Union Inc provides members with tools to manage their accounts and build a solid financial history. Does Hampton Roads Educator's Credit Union Inc offer online and mobile banking?Most modern institutions like Hampton Roads Educator's Credit Union Inc 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.hrecu.org. Current Hampton Roads Educator's Credit Union Inc Rates
Retrieved from our database of financial products. Rates subject to change.
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