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Hancock School Employees Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| iEditorial Disclosure
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 9, 2026

Hancock School Employees Federal Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 36 Month CD, 1.00% APY on savings, and personal loans from 7.00% APR, according to rates verified by MonitorBankRates. Other Hancock School Employees Federal Credit Union CD rates include 36 Month CD at 3.00%, 30 Month CD at 2.75%, and 24 Month CD at 2.50%. MonitorBankRates evaluates the financial stability of Hancock School Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.72%. Rates last updated and verified on 10/09/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 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 ?
0.72%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Hancock School Employees Federal Credit Union
Hancock School Employee FCU
384 Penco Rd
Weirton, WV 26062
https://www.hsefcu.com
Member NCUA
Customer Reviews
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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.

Hancock School Employees Federal Credit Union CD Rates

Product Rate APY Term View More
36 Month Certificate 4.00% 4.00% 36 Month
Details *New Money from an outside source* Early Withdrawl Penalty: 180 Day
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
36 Month Certificate 3.00% 3.00% 36 Month
Details Early Withdrawl Penalty: 180 Day
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
30 Month Certificate 2.75% 2.75% 30 Month
Details Early Withdrawl Penalty: 180 Day
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
24 Month Certificate 2.50% 2.50% 24 Month
Details Early Withdrawl Penalty: 180 Day
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
18 Month Certificate 2.25% 2.25% 18 Month
Details Early Withdrawl Penalty: 180 Day
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
12 Month Certificate 2.00% 2.00% 12 Month
Details Early Withdrawl Penalty: 180 Day
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
6 Month Certificate 1.75% 1.75% 6 Month
Details Early Withdrawl Penalty: 90 Day
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%

Hancock School Employees Federal Credit Union Savings Rates

Product Rate APY View More
Savings 1.00% 1.00%
Min Balance $40,000
Details Balance: $40000.00+
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 5, 2026: 1.00% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Savings 0.75% 0.75%
Min Balance $20,000
Details Balance: $20000.00-39999.99
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 5, 2026: 0.75% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Savings 0.50% 0.50%
Min Balance $10,000
Details Balance: $10000.00-19999.00
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 5, 2026: 0.50% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Savings 0.25% 0.25%
Min Balance $100
Details Balance: $100.00-9999.99
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 5, 2026: 0.25% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%

Hancock School Employees Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Autos - 0-36 Months - - 4.50% 0-36 months
Details Credit Rating: A+
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 9, 2026: 4.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 0-36 Months - - 4.75% 0-36 months
Details Credit Rating: A
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 9, 2026: 4.75% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 37-48 Months - - 4.75% 37-48 months
Details Credit Rating: A+
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 9, 2026: 4.75% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 37-48 Months - - 5.00% 37-48 months
Details Credit Rating: A
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 9, 2026: 5.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 49-60 Months - - 5.00% 49-60 months
Details Credit Rating: A+
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 9, 2026: 5.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 0-36 Months - - 5.25% 0-36 months
Details Credit Rating: B
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 9, 2026: 5.25% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 37-48 Months - - 5.50% 37-48 months
Details Credit Rating: B
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 9, 2026: 5.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 49-60 Months - - 5.50% 49-60 months
Details Credit Rating: A
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 9, 2026: 5.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 72 Months - - 5.50% 72 Months
Details Over $20000; Credit Rating: A+
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 5.50% 0-36 Months
Details Credit Rating: A+
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 5.75% 0-36 Months
Details Credit Rating: A
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 5.75% 37-48 Months
Details Credit Rating: A+
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 0-36 Months - - 6.00% 0-36 months
Details Credit Rating: C
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 9, 2026: 6.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 49-60 Months - - 6.00% 49-60 months
Details Credit Rating: B
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 9, 2026: 6.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 72 Months - - 6.00% 72 Months
Details Over $20000; Credit Rating: A
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 84 Months - - 6.00% 84 Months
Details Over $30000; Credit Rating: A+
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 6.00% 37-48 Months
Details Credit Rating: A
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 6 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 0-36 Months - - 6.25% 0-36 months
Details Credit Rating: A+
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 9, 2026: 6.25% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 6.25% 0-36 Months
Details Credit Rating: B
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 6 times
5.75%6.25%6.75%Sep 18, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 6.25% 49-60 Months
Details Credit Rating: A+
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 6 times
5.75%6.25%6.75%Sep 18, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 37-48 Months - - 6.50% 37-48 months
Details Credit Rating: C
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 9, 2026: 6.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 72 Months - - 6.50% 72 Months
Details Over $20000; Credit Rating: B
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 84 Months - - 6.50% 84 Months
Details Over $30000; Credit Rating: A
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 6.50% 37-48 Months
Details Credit Rating: B
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 6 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 6.50% 49-60 Months
Details Credit Rating: A
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 6 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 0-36 Months - - 6.75% 0-36 months
Details Credit Rating: A
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 9, 2026: 6.75% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 37-48 Months - - 6.75% 37-48 months
Details Credit Rating: A+
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 9, 2026: 6.75% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 6.75% 72 Months
Details Term: 72 Months Over $20000; Credit Rating: A+
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 6 times
6.25%6.75%7.25%Sep 18, 2026: 6.75% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 0-36 Months - - 7.00% 0-36 months
Details Credit Rating: D
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 9, 2026: 7.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 49-60 Months - - 7.00% 49-60 months
Details Credit Rating: C
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 9, 2026: 7.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 84 Months - - 7.00% 84 Months
Details Over $30000; Credit Rating: B
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 3 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 0-36 Months - - 7.00% 0-36 months
Details Credit Rating: B
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 9, 2026: 7.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 7.00% 49-60 Months
Details Credit Rating: B
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 6 times
6.50%7.00%7.50%Sep 18, 2026: 7.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 7.00% 72 Months
Details Term: 72 Months Over $20000; Credit Rating: A
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 6 times
6.50%7.00%7.50%Sep 18, 2026: 7.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 7.00% 84 Months
Details Term: 84 Months Over $30000; Credit Rating: A+
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 6 times
6.50%7.00%7.50%Sep 18, 2026: 7.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 37-48 Months - - 7.25% 37-48 months
Details Credit Rating: A
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.25% APR
6.75%7.25%7.75%Oct 9, 2026: 7.25% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 7.25% 0-36 Months
Details Credit Rating: C
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.25% APR · checked 6 times
6.75%7.25%7.75%Sep 18, 2026: 7.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 72 Months - - 7.50% 72 Months
Details Over $20000; Credit Rating: C
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 3 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 37-48 Months - - 7.50% 37-48 months
Details Credit Rating: B
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 9, 2026: 7.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 7.50% 37-48 Months
Details Credit Rating: C
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.50% APR · checked 6 times
7.00%7.50%8.00%Sep 18, 2026: 7.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 7.50% 72 Months
Details Term: 72 Months Over $20000; Credit Rating: B
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.50% APR · checked 6 times
7.00%7.50%8.00%Sep 18, 2026: 7.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 7.50% 84 Months
Details Term: 84 Months Over $30000; Credit Rating: A
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 7.50% APR · checked 6 times
7.00%7.50%8.00%Sep 18, 2026: 7.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 37-48 Months - - 8.00% 37-48 months
Details Credit Rating: D
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 9, 2026: 8.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 84 Months - - 8.00% 84 Months
Details Over $30000; Credit Rating: C
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 3 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 0-36 Months - - 8.00% 0-36 months
Details Credit Rating: C
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 9, 2026: 8.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 8.00% 49-60 Months
Details Credit Rating: C
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 18, 2026: 8.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 8.00% 84 Months
Details Term: 84 Months Over $30000; Credit Rating: B
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 18, 2026: 8.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 37-48 Months - - 8.50% 37-48 months
Details Credit Rating: C
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 9, 2026: 8.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 8.50% 72 Months
Details Term: 72 Months Over $20000; Credit Rating: C
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 8.50% APR · checked 6 times
8.00%8.50%9.00%Sep 18, 2026: 8.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 9.00% 84 Months
Details Term: 84 Months Over $30000; Credit Rating: C
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 9.00% APR · checked 6 times
8.50%9.00%9.50%Sep 18, 2026: 9.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 0-48 Months - - 9.25% 0-48 months
Details Credit Rating: A+
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 9.25% APR · checked 2 times
8.75%9.25%9.75%Oct 5, 2026: 9.25% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 9.25% 0-36 Months
Details Credit Rating: D
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 9.25% APR · checked 6 times
8.75%9.25%9.75%Sep 18, 2026: 9.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 9.50% 37-48 Months
Details Credit Rating: D
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 9.50% APR · checked 6 times
9.00%9.50%10.00%Sep 18, 2026: 9.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 0-36 Months - - 10.00% 0-36 months
Details Credit Rating: E
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 10.00% APR
9.50%10.00%10.50%Oct 9, 2026: 10.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 49-60 Months - - 10.00% 49-60 months
Details Credit Rating: D
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 10.00% APR
9.50%10.00%10.50%Oct 9, 2026: 10.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 0-36 Months - - 10.00% 0-36 months
Details Credit Rating: D
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 10.00% APR
9.50%10.00%10.50%Oct 9, 2026: 10.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 10.00% 49-60 Months
Details Credit Rating: D
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 10.00% APR · checked 6 times
9.50%10.00%10.50%Sep 18, 2026: 10.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 0-48 Months - - 10.25% 0-48 months
Details Credit Rating: A
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 10.25% APR · checked 2 times
9.75%10.25%10.75%Oct 5, 2026: 10.25% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 37-48 Months - - 10.50% 37-48 months
Details Credit Rating: D
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 10.50% APR
10.00%10.50%11.00%Oct 9, 2026: 10.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 37-48 Months - - 11.00% 37-48 months
Details Credit Rating: E
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 11.00% APR
10.50%11.00%11.50%Oct 9, 2026: 11.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 72 Months - - 11.00% 72 Months
Details Over $20000; Credit Rating: D
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 3 times
10.50%11.00%11.50%Sep 14, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 0-48 Months - - 11.25% 0-48 months
Details Credit Rating: B
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 11.25% APR · checked 2 times
10.75%11.25%11.75%Oct 5, 2026: 11.25% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos - 49-60 Months - - 13.00% 49-60 months
Details Credit Rating: E
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 13.00% APR
12.50%13.00%13.50%Oct 9, 2026: 13.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 0-48 Months - - 13.25% 0-48 months
Details Credit Rating: C
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 13.25% APR · checked 2 times
12.75%13.25%13.75%Oct 5, 2026: 13.25% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 13.25% 0-36 Months
Details Credit Rating: E
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 13.25% APR · checked 6 times
12.75%13.25%13.75%Sep 18, 2026: 13.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 0-36 Months - - 13.50% 0-36 months
Details Credit Rating: E
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 13.50% APR
13.00%13.50%14.00%Oct 9, 2026: 13.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer - - 13.50% 37-48 Months
Details Credit Rating: E
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 13.50% APR · checked 6 times
13.00%13.50%14.00%Sep 18, 2026: 13.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 37-48 Months - - 14.00% 37-48 months
Details Credit Rating: E
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 14.00% APR
13.50%14.00%14.50%Oct 9, 2026: 14.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 0-48 Months - - 15.25% 0-48 months
Details Credit Rating: D
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 15.25% APR · checked 2 times
14.75%15.25%15.75%Oct 5, 2026: 15.25% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older - 0-48 Months - - 18.00% 0-48 months
Details Credit Rating: E
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 18.00% APR · checked 2 times
17.50%18.00%18.50%Oct 5, 2026: 18.00% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%

Hancock School Employees Federal Credit Union Personal Loan Rates

Product APR Term View More
Debt Consolidation - 0-48 Months Loan 7.00% 0-48 months
Details Credit Rating: A+
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Oct 5, 2026: 7.00% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months Loan 7.75% 0-48 months
Details Credit Rating: A
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.75% APR · checked 2 times
7.25%7.75%8.25%Oct 5, 2026: 7.75% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months Loan 8.50% 0-48 months
Details Credit Rating: B
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 8.50% APR · checked 2 times
8.00%8.50%9.00%Oct 5, 2026: 8.50% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months Loan 10.00% 0-48 months
Details Credit Rating: C
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 10.00% APR · checked 2 times
9.50%10.00%10.50%Oct 5, 2026: 10.00% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months Loan 11.50% 0-48 months
Details Credit Rating: D
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 11.50% APR · checked 2 times
11.00%11.50%12.00%Oct 5, 2026: 11.50% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Debt Consolidation - 0-48 Months Loan 13.75% 0-48 months
Details Credit Rating: E
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 13.75% APR · checked 2 times
13.25%13.75%14.25%Oct 5, 2026: 13.75% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
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.
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Financial Health History

Hancock School Employees Federal Credit Union’s Texas Ratio stayed near 0.88% in Q3 2023 to 0.72% 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.

0% 1.0★ 1.1% 2.0★ 2.3% 3.0★ 3.4% 4.0★ 4.5% 5.0★ Healthy zone – entire history below the 15% limit 0.88% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.72% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$24M0.72%5.0A+
March 31, 2026$24M0.79%5.0A+
December 31, 2025$24M1.34%5.0A+
September 30, 2025$24M1.44%5.0A+
June 30, 2025$24M3.11%5.0A+
March 31, 2025$24M3.34%5.0A+
December 31, 2024$24M0.40%5.0A+
September 30, 2024$24M0.57%5.0A+
June 30, 2024$24M0.18%5.0A+
March 31, 2024$24M0.00%5.0A+
December 31, 2023$24M0.79%5.0A+
September 30, 2023$24M0.88%5.0A+
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 Hancock School Employees 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 Hancock School Employees 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 Hancock School Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hancock School Employees Federal Credit Union
Website https://www.hsefcu.com
Address 384 Penco Rd, Weirton, WV 26062
Phone 304-723-5605
Fax 304-723-9655
President Gordon Anderson
CEO David Karas
Full-Time Employees 4
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
0.72%
Return on Assets (ROA)
0.3484%
Return on Equity (ROE)
2.9969%
Non-Performing Loans Ratio (NPL)
0.41%
Total Assets
24,048,671
Total Amount of Shares and Deposits
21,311,606
Total Shares and Deposits < 1 Year
20,207,091
Total Shares and Deposits 1 3 Years
1,104,516
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,417,533
Total Uninsured Shares and Deposits > $250K (F+J)
2,417,533
Total Insured Shares and Deposits > $250K (item 17 less item K)
18,894,073
Total Interest Expense (Sum of items 6 8)
97,391
Share Certificates
95
Number of Accounts for Share Drafts
599
Number of Accounts for Regular Shares
1,845
Net Income (unless the amount is already included in Undivided Earnings)
96,873
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)
358,472
Total Liabilities
21,327,856
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Hancock School Employees Federal 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.

<a href="https://monitorbankrates.com/credit-unions/hancock-school-emp-federal-credit-union-rates-review-21115">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 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 Hancock School Employees Federal Credit Union yet. Feel free to create one below.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Hancock School Employees Federal Credit Union

How many branches does Hancock School Employees Federal Credit Union operate?

Hancock School Employees 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 Hancock School Employees Federal Credit Union?

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

Does Hancock School Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Hancock School Employees 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.hsefcu.com.

Current Hancock School Employees Federal Credit Union Rates

  • 12-Month CD2.00%
  • 18-Month CD2.25%
  • 24-Month CD2.50%
  • Savings1.00%
Retrieved from our database of financial products. Rates subject to change.

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