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Hancock School Employees Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 29, 2026
Hancock School Employees Federal Credit Union's CD - 36 Month rates are at 4.00%, CD - 30 Month rates are at 2.75%, CD - 24 Month rates are at 2.50%, CD - 18 Month rates are at 2.25%, CD - 12 Month rates are at 2.00%. Hancock School Employees Federal Credit Union's savings rates are at 1.00%. Hancock School Employees Federal Credit Union's Personal Loan Rates are as low as 7.00%. Hancock School Employees Federal Credit Union's CD rates are 13% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026.
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.
Hancock School Employees Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Hancock School Employees Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.72%
ExcellentLower than avg
Hancock School Employees Federal Credit Union Texas Ratio
Hancock School Employees Federal Credit Union's Texas Ratio is 0.72%, which is considered excellent and is lower than the national average of 6.13%.
Hancock School Employees Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Hancock School Employees Federal Credit Union Health Trend
0.88% to 0.72% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
Certificate - 36 Month
4.00%
4.00%
36 Month
Details*New Money from an outside source*; Early Withdrawal Penalty: 180 Day
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Certificate - 36 Month
3.00%
3.00%
36 Month
DetailsEarly Withdrawal Penalty: 180 Day
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Certificate - 30 Month
2.75%
2.75%
30 Month
DetailsEarly Withdrawal Penalty: 180 Day
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Certificate - 24 Month
2.50%
2.50%
24 Month
DetailsEarly Withdrawal Penalty: 180 Day
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Certificate - 18 Month
2.25%
2.25%
18 Month
DetailsEarly Withdrawal Penalty: 180 Day
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Certificate - 12 Month
2.00%
2.00%
12 Month
DetailsEarly Withdrawal Penalty: 180 Day
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Certificate - 6 Month
1.75%
1.75%
6 Month
DetailsEarly Withdrawal Penalty: 90 Day
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 1.75% APY · checked 2 times
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
DetailsBalance: $40000.00 and over; Share Balance tier
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 1.00% APY · checked 6 times
No change since Oct 5, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Savings
0.00%
0.00%
Min Balance$0
DetailsBalance: $0.00-99.99; Share Balance tier
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 0.25% APY · checked 5 times
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
4.50%
-
4.50%
0-36 Months
DetailsRisk Based Loan; Credit Rating: A+; Credit Score: 760+
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
4.75%
-
4.75%
0-36 Months
DetailsRisk Based Loan; Credit Rating: A; Credit Score: 759-680
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
4.75%
-
4.75%
37-48 Months
DetailsRisk Based Loan; Credit Rating: A+; Credit Score: 760+
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
5.00%
-
5.00%
37-48 Months
DetailsRisk Based Loan; Credit Rating: A; Credit Score: 759-680
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
5.00%
-
5.00%
49-60 Months
DetailsRisk Based Loan; Credit Rating: A+; Credit Score: 760+
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
5.25%
-
5.25%
0-36 Months
DetailsRisk Based Loan; Credit Rating: B; Credit Score: 679-650
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
5.50%
-
5.50%
37-48 Months
DetailsRisk Based Loan; Credit Rating: B; Credit Score: 679-650
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
5.50%
-
5.50%
49-60 Months
DetailsRisk Based Loan; Credit Rating: A; Credit Score: 759-680
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
5.50%
-
5.50%
72 Months
DetailsTerm: 72 Months Over $20000; Risk Based Loan; Credit Rating: A+; Credit Score: 760+
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
5.50%
-
5.50%
0-36 Months
DetailsCredit Rating: A+; Credit Score: 760+; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
5.75%
-
5.75%
0-36 Months
DetailsCredit Rating: A; Credit Score: 759-680; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
5.75%
-
5.75%
37-48 Months
DetailsCredit Rating: A+; Credit Score: 760+; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
6.00%
-
6.00%
0-36 Months
DetailsRisk Based Loan; Credit Rating: C; Credit Score: 649-600
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
6.00%
-
6.00%
49-60 Months
DetailsRisk Based Loan; Credit Rating: B; Credit Score: 679-650
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
6.00%
-
6.00%
72 Months
DetailsTerm: 72 Months Over $20000; Risk Based Loan; Credit Rating: A; Credit Score: 759-680
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
6.00%
-
6.00%
84 Months
DetailsTerm: 84 Months Over $30000; Risk Based Loan; Credit Rating: A+; Credit Score: 760+
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
6.00%
-
6.00%
37-48 Months
DetailsCredit Rating: A; Credit Score: 759-680; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older
-
-
6.25%
0-36 Months
DetailsCredit Rating: A+; Credit Score: 760+; Risk based loan, rates based on Experian credit score
Last Updated10/29/2026
Rate History
1 change since Oct 5, 2026 · 6.75% → 6.25% ▼ 0.50 pts · high 6.75% / low 6.25%
Oct 23, 20266.25%▼ from 6.75%
Oct 5, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
6.25%
-
6.25%
49-60 Months
DetailsCredit Rating: A+; Credit Score: 760+; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
6.50%
-
6.50%
37-48 Months
DetailsRisk Based Loan; Credit Rating: C; Credit Score: 649-600
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 5.50% → 6.50% ▲ 1.00 pts · high 6.50% / low 5.50%
Oct 23, 20266.50%▲ from 5.50%
Sep 18, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
6.50%
-
6.50%
72 Months
DetailsTerm: 72 Months Over $20000; Risk Based Loan; Credit Rating: B; Credit Score: 679-650
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
6.50%
-
6.50%
84 Months
DetailsTerm: 84 Months Over $30000; Risk Based Loan; Credit Rating: A; Credit Score: 759-680
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
6.50%
-
6.50%
37-48 Months
DetailsCredit Rating: B; Credit Score: 679-650; Risk Based Loan
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00%
Oct 15, 20266.50%▲ from 6.00%
Sep 18, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
6.50%
-
6.50%
49-60 Months
DetailsCredit Rating: A; Credit Score: 759-680; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older
-
-
6.75%
0-36 Months
DetailsCredit Rating: A; Credit Score: 759-680; Risk based loan, rates based on Experian credit score
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 6.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older
-
-
6.75%
37-48 Months
DetailsCredit Rating: A+; Credit Score: 760+; Risk based loan, rates based on Experian credit score
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 6.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
6.75%
-
6.75%
72 Months
DetailsBalance Over $20000; Credit Rating: A+; Credit Score: 760+; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
7.00%
-
7.00%
49-60 Months
DetailsRisk Based Loan; Credit Rating: C; Credit Score: 649-600
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 6.00% → 7.00% ▲ 1.00 pts · high 7.00% / low 6.00%
Oct 23, 20267.00%▲ from 6.00%
Sep 18, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
7.00%
-
7.00%
84 Months
DetailsTerm: 84 Months Over $30000; Risk Based Loan; Credit Rating: B; Credit Score: 679-650
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50%
Oct 23, 20267.00%▲ from 6.50%
Sep 18, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older
-
-
7.00%
0-36 Months
DetailsCredit Rating: B; Credit Score: 679-650; Risk based loan, rates based on Experian credit score
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 7.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
7.00%
-
7.00%
49-60 Months
DetailsCredit Rating: B; Credit Score: 679-650; Risk Based Loan
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50%
Oct 15, 20267.00%▲ from 6.50%
Sep 18, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
7.00%
-
7.00%
72 Months
DetailsBalance Over $20000; Credit Rating: A; Credit Score: 759-680; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
7.00%
-
7.00%
84 Months
DetailsBalance Over $30000; Credit Rating: A+; Credit Score: 760+; Risk Based Loan
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 7.50% → 7.00% ▼ 0.50 pts · high 7.50% / low 7.00%
Oct 15, 20267.00%▼ from 7.50%
Sep 18, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older
-
-
7.25%
37-48 Months
DetailsCredit Rating: A; Credit Score: 759-680; Risk based loan, rates based on Experian credit score
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 7.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
7.25%
-
7.25%
0-36 Months
DetailsCredit Rating: C; Credit Score: 649-600; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.25% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
7.50%
-
7.50%
72 Months
DetailsTerm: 72 Months Over $20000; Risk Based Loan; Credit Rating: C; Credit Score: 649-600
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 6.50% → 7.50% ▲ 1.00 pts · high 7.50% / low 6.50%
Oct 23, 20267.50%▲ from 6.50%
Sep 18, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older
-
-
7.50%
37-48 Months
DetailsCredit Rating: B; Credit Score: 679-650; Risk based loan, rates based on Experian credit score
Last Updated10/29/2026
Rate History
1 change since Oct 5, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25%
Oct 23, 20267.50%▲ from 7.25%
Oct 5, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
7.50%
-
7.50%
72 Months
DetailsBalance Over $20000; Credit Rating: B; Credit Score: 679-650; Risk Based Loan
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 7.00% → 7.50% ▲ 0.50 pts · high 7.50% / low 7.00%
Oct 15, 20267.50%▲ from 7.00%
Sep 18, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
7.50%
-
7.50%
84 Months
DetailsBalance Over $30000; Credit Rating: A; Credit Score: 759-680; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.50% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
8.00%
-
8.00%
37-48 Months
DetailsRisk Based Loan; Credit Rating: D; Credit Score: 599-535
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
8.00%
-
8.00%
84 Months
DetailsTerm: 84 Months Over $30000; Risk Based Loan; Credit Rating: C; Credit Score: 649-600
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 6.50% → 8.00% ▲ 1.50 pts · high 8.00% / low 6.50%
Oct 23, 20268.00%▲ from 6.50%
Sep 18, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older
-
-
8.00%
0-36 Months
DetailsCredit Rating: C; Credit Score: 649-600; Risk based loan, rates based on Experian credit score
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 8.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
8.00%
-
8.00%
49-60 Months
DetailsCredit Rating: C; Credit Score: 649-600; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
8.00%
-
8.00%
84 Months
DetailsBalance Over $30000; Credit Rating: B; Credit Score: 679-650; Risk Based Loan
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 7.50% → 8.00% ▲ 0.50 pts · high 8.00% / low 7.50%
Oct 15, 20268.00%▲ from 7.50%
Sep 18, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older
-
-
8.50%
37-48 Months
DetailsCredit Rating: C; Credit Score: 649-600; Risk based loan, rates based on Experian credit score
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 8.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
8.50%
-
8.50%
72 Months
DetailsBalance Over $20000; Credit Rating: C; Credit Score: 649-600; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 8.50% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
9.00%
-
9.00%
84 Months
DetailsBalance Over $30000; Credit Rating: C; Credit Score: 649-600; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 9.00% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
9.25%
-
9.25%
0-36 Months
DetailsCredit Rating: D; Credit Score: 599-535; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 9.25% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
9.50%
-
9.50%
37-48 Months
DetailsCredit Rating: D; Credit Score: 599-535; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 9.50% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
10.00%
-
10.00%
49-60 Months
DetailsRisk Based Loan; Credit Rating: D; Credit Score: 599-535
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 13.00% → 10.00% ▼ 3.00 pts · high 13.00% / low 10.00%
Oct 23, 202610.00%▼ from 13.00%
Sep 18, 202613.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older
-
-
10.00%
0-36 Months
DetailsCredit Rating: D; Credit Score: 599-535; Risk based loan, rates based on Experian credit score
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 10.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
10.00%
-
10.00%
49-60 Months
DetailsCredit Rating: D; Credit Score: 599-535; Risk Based Loan
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 8.00% → 10.00% ▲ 2.00 pts · high 10.00% / low 8.00%
Oct 15, 202610.00%▲ from 8.00%
Sep 18, 20268.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older
-
-
10.50%
37-48 Months
DetailsCredit Rating: D; Credit Score: 599-535; Risk based loan, rates based on Experian credit score
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 10.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
11.00%
-
11.00%
37-48 Months
DetailsRisk Based Loan; Credit Rating: E; Credit Score: 534-450
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 11.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
11.00%
-
11.00%
72 Months
DetailsTerm: 72 Months Over $20000; Risk Based Loan; Credit Rating: D; Credit Score: 599-535
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 11.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
New Autos
13.00%
-
13.00%
49-60 Months
DetailsRisk Based Loan; Credit Rating: E; Credit Score: 534-450
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 13.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
13.25%
-
13.25%
0-36 Months
DetailsCredit Rating: E; Credit Score: 534-450; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 13.25% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older
-
-
13.50%
0-36 Months
DetailsCredit Rating: E; Credit Score: 534-450; Risk based loan, rates based on Experian credit score
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 13.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2016 And Newer
13.50%
-
13.50%
37-48 Months
DetailsCredit Rating: E; Credit Score: 534-450; Risk Based Loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 13.50% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Used Autos: 2015 And Older
-
-
14.00%
37-48 Months
DetailsCredit Rating: E; Credit Score: 534-450; Risk based loan, rates based on Experian credit score
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 14.00% APR · checked 5 times
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
Signature Debt Consolidation
7.00%
DetailsCredit Rating: A+; Credit Score: 760+; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Signature Debt Consolidation
7.75%
DetailsCredit Rating: A; Credit Score: 759-680; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Signature Debt Consolidation
8.50%
DetailsCredit Rating: B; Credit Score: 679-650; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 8.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Signature 0-48 Months
9.25%
0-48 months
DetailsCredit Rating: A+; Credit Score: 760+; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 9.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Signature Debt Consolidation
10.00%
DetailsCredit Rating: C; Credit Score: 649-600; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 10.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Signature 0-48 Months
10.25%
0-48 months
DetailsCredit Rating: A; Credit Score: 759-680; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 10.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Signature 0-48 Months
11.25%
0-48 months
DetailsCredit Rating: B; Credit Score: 679-650; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 11.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Signature Debt Consolidation
11.50%
DetailsCredit Rating: D; Credit Score: 599-535; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 11.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Signature 0-48 Months
13.25%
0-48 months
DetailsCredit Rating: C; Credit Score: 649-600; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 13.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Signature Debt Consolidation
13.75%
DetailsCredit Rating: E; Credit Score: 534-450; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 13.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Signature 0-48 Months
15.25%
0-48 months
DetailsCredit Rating: D; Credit Score: 599-535; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 15.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
Signature 0-48 Months
18.00%
0-48 months
DetailsCredit Rating: E; Credit Score: 534-450; Risk-based loan rates based on Experian credit score; rates current as of 09/01/2025
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 18.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.72%
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.
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
$24M
0.72%
5.0
A+
March 31, 2026
$24M
0.79%
5.0
A+
December 31, 2025
$24M
1.34%
5.0
A+
September 30, 2025
$24M
1.44%
5.0
A+
June 30, 2025
$24M
3.11%
5.0
A+
March 31, 2025
$24M
3.34%
5.0
A+
December 31, 2024
$24M
0.40%
5.0
A+
September 30, 2024
$24M
0.57%
5.0
A+
June 30, 2024
$24M
0.18%
5.0
A+
March 31, 2024
$24M
0.00%
5.0
A+
December 31, 2023
$24M
0.79%
5.0
A+
September 30, 2023
$24M
0.88%
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 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 NameHancock School Employees Federal Credit Union
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
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 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Hancock School Employees Federal Credit Union
Frequently Asked Questions About Hancock School Employees Federal Credit Union
Does Hancock School Employees Federal Credit Union offer CDs?
Yes. Hancock School Employees Federal Credit Union current CD rates include its CD - 36 Month at 4.00% APY, its CD - 30 Month at 2.75% APY and its CD - 24 Month at 2.50% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Hancock School Employees Federal Credit Union NCUA insured?
Yes. Hancock School Employees 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 Hancock School Employees Federal Credit Union?
The highest Hancock School Employees Federal Credit Union CD rate is its CD - 36 Month at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Hancock School Employees Federal Credit Union offer?
Hancock School Employees Federal Credit Union CD rates are 2.00% APY for a 12 month CD, 2.25% APY for an 18 month CD, 2.50% APY for a 2 year CD, 2.75% APY for a 30 month CD and 4.00% APY for a 3 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Hancock School Employees Federal Credit Union for its full lineup.
What is the highest savings rate at Hancock School Employees Federal Credit Union?
The highest Hancock School Employees Federal Credit Union savings rate is its Savings at 1.00% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Hancock School Employees Federal Credit Union?
The lowest Hancock School Employees Federal Credit Union auto loan rate is its New Autos at 4.50%, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Hancock School Employees Federal Credit Union?
The lowest Hancock School Employees Federal Credit Union personal loan rate is its Signature Debt Consolidation at 7.00%, verified by MonitorBankRates as of October 29, 2026.
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.
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 Hancock School Employees Federal Credit Union rates compare?
Hancock School Employees Federal Credit Union's CD rates are 13% lower than the MonitorBankRates national average, and it has an A+ health rating. Hancock School Employees Federal Credit Union's top rates are its CD - 36 Month at 4.00% APY, its Savings at 1.00% APY and its Signature Debt Consolidation at 7.00% APR, verified by MonitorBankRates on October 29, 2026.
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.
Brian McKay
