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HAPO Community 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 30, 2026
HAPO Community Credit Union's CD Account - 18 Month rates are at 4.10%, CD Account - 12 Month rates are at 4.00%, CD Account - 24 Month rates are at 3.80%, CD Account - 6 Month rates are at 3.60%, CD Account - 30 Month rates are at 3.25%. HAPO Community Credit Union's savings rates are at 0.05%. HAPO Community Credit Union's money market rates are at 3.25%. HAPO Community Credit Union's checking rates are as high as 0.01%. HAPO Community Credit Union's One-Time Close Construction Loan 15-Year Fixed rates are at 6.00%, One-Time Close Construction Loan 10-Year Fixed rates are at 6.00%, One-Time Close Construction Loan 30-Year Fixed rates are at 6.50%, One-Time Close Construction Loan 20-Year Fixed rates are at 6.50%, VA Purchase / No Cash-Out Refinance 15-Year Fixed rates are at 6.62%. HAPO Community Credit Union's Personal Loan Rates are as low as 10.99%. HAPO Community Credit Union's Credit Card Rates are at 14.00%. HAPO Community Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of HAPO Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.09%. Rates last updated and verified on 10/30/2026.
HAPO Community 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 HAPO Community Credit Union? Share your experience about HAPO Community Credit Union by leaving a review below, or read customer reviews before you decide to use HAPO Community Credit Union.
HAPO Community Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
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
HAPO Community 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
?
1.09%
ExcellentLower than avg
HAPO Community Credit Union Texas Ratio
HAPO Community Credit Union's Texas Ratio is 1.09%, which is considered excellent and is lower than the national average of 6.13%.
HAPO Community 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.
2.11% to 1.09% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has improved and is now 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.
HAPO Community Credit Union CD Rates
Product
Rate
APY
Term
View More
Certificate Account - 18 Month
4.04%
4.10%
18 Month
Min Deposit$100
DetailsFixed Rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Certificate Account - 18 Month
4.04%
4.10%
18 Month
Min Balance$5,000
DetailsFixed Rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Certificate Account - 12 Month
3.94%
4.00%
12 Month
Min Deposit$100
DetailsFixed Rate; Add-on deposits of $100 or more allowed through term (6 and 12 month certificates)
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Certificate Account - 12 Month
3.94%
4.00%
12 Month
Min Balance$5,000
DetailsFixed Rate; Add-on deposits allowed in $100 increments for 6-12 month certificates
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Certificate Account - 24 Month
3.75%
3.80%
24 Month
Min Deposit$100
DetailsFixed Rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Certificate Account - 24 Month
3.75%
3.80%
24 Month
Min Balance$5,000
DetailsFixed Rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Certificate Account - 6 Month
3.55%
3.60%
6 Month
Min Deposit$100
DetailsFixed Rate; Add-on deposits of $100 or more allowed through term (6 and 12 month certificates)
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Certificate Account - 6 Month
3.55%
3.60%
6 Month
Min Balance$5,000
DetailsFixed Rate; Add-on deposits allowed in $100 increments for 6-12 month certificates
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
IRA 6 Month Certificate
3.55%
3.60%
6 Month
Min Balance$100
DetailsRates effective 10/6/2026
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Time Deposit - 6 Month
3.55%
3.60%
6 Month
Min Balance$100
DetailsDividend rate; fixed rate
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Certificate Account - 30 Month
3.21%
3.25%
30 Month
Min Deposit$100
DetailsFixed Rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Certificate Account - 30 Month
3.21%
3.25%
30 Month
Min Balance$5,000
DetailsFixed Rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Certificate Account - 36 Month
3.21%
3.25%
36 Month
Min Deposit$100
DetailsFixed Rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Certificate Account - 36 Month
3.21%
3.25%
36 Month
Min Balance$5,000
DetailsFixed Rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Certificate Account - 48 Month
3.21%
3.25%
48 Month
Min Deposit$100
DetailsFixed Rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Certificate Account - 48 Month
3.21%
3.25%
48 Month
Min Balance$5,000
DetailsFixed Rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Certificate Account - 60 Month
3.21%
3.25%
60 Month
Min Deposit$100
DetailsFixed Rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Certificate Account - 60 Month
3.21%
3.25%
60 Month
Min Balance$5,000
DetailsFixed Rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
IRA 30 Month Certificate
3.21%
3.25%
30 Month
Min Balance$100
DetailsRates effective 10/6/2026
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
IRA 36 Month Certificate
3.21%
3.25%
36 Month
Min Balance$100
DetailsRates effective 10/6/2026
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
IRA 48 Month Certificate
3.21%
3.25%
48 Month
Min Balance$100
DetailsRates effective 10/6/2026
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
IRA 60 Month Certificate
3.21%
3.25%
60 Month
Min Balance$100
DetailsRates effective 10/6/2026
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Time Deposit - 30 Month
3.21%
3.25%
30 Month
Min Balance$100
DetailsDividend rate; fixed rate
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Time Deposit - 36 Month
3.21%
3.25%
36 Month
Min Balance$100
DetailsDividend rate; fixed rate
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Time Deposit - 48 Month
3.21%
3.25%
48 Month
Min Balance$100
DetailsDividend rate; fixed rate
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Time Deposit - 60 Month
3.21%
3.25%
60 Month
Min Balance$100
DetailsDividend rate; fixed rate
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
HAPO Community Credit Union Savings Rates
Product
Rate
APY
View More
Savings
-
0.05%
DetailsBalance: No Minimum Balance; Dividends may change monthly
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
HAPO Community Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
3.20%
3.25%
Min Balance$5,000,000
DetailsBalance: $5,000,000 & Above
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 3.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market
2.72%
2.75%
Min Balance$1,000,000
DetailsBalance: $1,000,000 - $4,999,999.99
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 2.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market
2.23%
2.25%
Min Balance$300,000
DetailsBalance: $300,000 - $999,999.99
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 2.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market
1.49%
1.50%
Min Balance$100,000
DetailsBalance: $100,000 - $299,999.99
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 1.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market
0.25%
0.25%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 0.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market
0.20%
0.20%
Min Balance$15,000
DetailsBalance: $15,000 - $24,999.99
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 0.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market
0.20%
0.20%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 0.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market
0.15%
0.15%
Min Balance$5,000
DetailsBalance: $5,000 - $14,999.99
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 0.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market
0.10%
0.10%
Min Balance$2,500
DetailsBalance: $2,500 - $4,999.99
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 0.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market
0.00%
0.00%
Min Balance$0
DetailsBalance: $0 - $2,499.99
Last Updated10/30/2026
Rate History
No change since Oct 6, 2026 · 0.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
HAPO Community Credit Union Checking Rates
Product
Rate
APY
View More
Consumer Checking
-
0.01%
Min Balance$2,500
DetailsDividends paid only if average daily balance is $2,500 or greater; Dividends may change monthly
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
HAPO Community Credit Union Business Checking Rates
Product
Rate
APY
View More
Commercial Premier Checking
-
0.01%
Min Balance$2,000
DetailsDividends paid only if average daily balance is $2,000 or greater; Dividends may change monthly
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
HAPO Community Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
One-Time Close Construction Loan 15-Year Fixed
6.00%
-
6.34%
180 months
DetailsFixed 180 Months; Interest only payments during construction
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 6.59% → 6.34% ▼ 0.25 pts · high 6.59% / low 6.34%
Oct 26, 20266.34%▼ from 6.59%
Oct 19, 20266.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
One-Time Close Construction Loan 10-Year Fixed
6.00%
-
6.462%
120 months
DetailsFixed 120 Months; Interest only payments during construction
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 6.71% → 6.46% ▼ 0.25 pts · high 6.71% / low 6.46%
Oct 26, 20266.46%▼ from 6.71%
Oct 19, 20266.71%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
One-Time Close Construction Loan 30-Year Fixed
6.50%
-
6.724%
360 months
DetailsFixed 360 Months; Interest only payments during construction
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 6.97% → 6.72% ▼ 0.25 pts · high 6.97% / low 6.72%
Oct 26, 20266.72%▼ from 6.97%
Oct 19, 20266.97%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
One-Time Close Construction Loan 20-Year Fixed
6.50%
-
6.78%
240 months
DetailsFixed 240 Months; Interest only payments during construction
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 7.03% → 6.78% ▼ 0.25 pts · high 7.03% / low 6.78%
Oct 26, 20266.78%▼ from 7.03%
Oct 19, 20267.03%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
VA Purchase / No Cash-Out Refinance 15-Year Fixed
6.625%
-
6.791%
180 months
DetailsFixed 180 Months
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 7.42% → 6.79% ▼ 0.63 pts · high 7.42% / low 6.79%
Oct 26, 20266.79%▼ from 7.42%
Oct 19, 20267.42%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
VA Purchase / No Cash-Out Refinance 30-Year Fixed
6.875%
-
7.002%
360 months
DetailsFixed 360 Months
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 7.25% → 7.00% ▼ 0.25 pts · high 7.25% / low 7.00%
Oct 26, 20267.00%▼ from 7.25%
Oct 19, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Purchase or Refinance (No Cash-Out) 15-Year Fixed
6.75%
-
7.218%
180 months
DetailsFixed 180 Months
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 7.34% → 7.22% ▼ 0.13 pts · high 7.34% / low 7.22%
Oct 26, 20267.22%▼ from 7.34%
Oct 19, 20267.34%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Cash-Out Refinance 15-Year Fixed
6.875%
-
7.354%
180 months
DetailsFixed 180 Months
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 7.60% → 7.35% ▼ 0.25 pts · high 7.60% / low 7.35%
Oct 26, 20267.35%▼ from 7.60%
Oct 19, 20267.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Purchase or Refinance (No Cash-Out) 30-Year Fixed
7.125%
-
7.409%
360 months
DetailsFixed 360 Months
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 7.53% → 7.41% ▼ 0.13 pts · high 7.53% / low 7.41%
Oct 26, 20267.41%▼ from 7.53%
Oct 19, 20267.53%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Cash-Out Refinance 30-Year Fixed
7.125%
-
7.424%
360 months
DetailsFixed 360 Months
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 7.55% → 7.42% ▼ 0.13 pts · high 7.55% / low 7.42%
Oct 26, 20267.42%▼ from 7.55%
Oct 19, 20267.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Purchase or Refinance (No Cash-Out) 20-Year Fixed
7.125%
-
7.493%
240 months
DetailsFixed 240 Months
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
FHA Purchase / No Cash-Out Refinance 30-Year Fixed
6.875%
-
7.763%
360 months
DetailsFixed 360 Months
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.76% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Cash-Out Refinance 20-Year Fixed
7.50%
-
7.886%
240 months
DetailsFixed 240 Months
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 8.01% → 7.89% ▼ 0.12 pts · high 8.01% / low 7.89%
Oct 26, 20267.89%▼ from 8.01%
Oct 19, 20268.01%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
FHA Purchase / No Cash-Out Refinance 15-Year Fixed
7.25%
-
8.243%
180 months
DetailsFixed 180 Months
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 8.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
HAPO Community Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Fixed Home Equity (Second Lien) - 15-Year < 85% LTV
7.75%
-
8.068%
180 Months
DetailsAs Low As; Fixed; first lien home equity loans require escrow account
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 8.32% → 8.07% ▼ 0.25 pts · high 8.32% / low 8.07%
Oct 26, 20268.07%▼ from 8.32%
Oct 14, 20268.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Fixed Home Equity (Second Lien) 15-Year
7.75%
-
8.068%
180 months
DetailsAs Low As; 15-Year < 85% LTV; Fixed 180 Months; First lien Home Equity Loans require an escrow account and borrower pays all fees
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 8.32% → 8.07% ▼ 0.25 pts · high 8.32% / low 8.07%
Oct 26, 20268.07%▼ from 8.32%
Oct 19, 20268.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Fixed Home Equity (Second Lien) - 10-Year < 85% LTV
7.75%
-
8.195%
120 Months
DetailsAs Low As; Fixed
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 8.45% → 8.20% ▼ 0.25 pts · high 8.45% / low 8.20%
Oct 26, 20268.20%▼ from 8.45%
Oct 14, 20268.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Fixed Home Equity (Second Lien) 10-Year
7.75%
-
8.195%
120 months
DetailsAs Low As; 10-Year < 85% LTV; Fixed 120 Months; First lien Home Equity Loans require an escrow account and borrower pays all fees
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 8.45% → 8.20% ▼ 0.25 pts · high 8.45% / low 8.20%
Oct 26, 20268.20%▼ from 8.45%
Oct 19, 20268.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
HAPO Community Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto/Motorcycle Loan - 2018 and Newer
-
-
5.24%
DetailsModel year: 2018 and Newer; APR range: 5.24% to 17.99%; Rates effective as of 2/1/2026; $50 loan processing fee applies
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Auto/Motorcycle Loan - 2007-2017
-
-
6.24%
DetailsModel year: 2007-2017; APR range: 6.24% to 17.99%; Rates effective as of 2/1/2026; $50 loan processing fee applies
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
All-Terrain, Off-Road Vehicle Loan - 2018 and Newer
-
-
8.49%
DetailsModel year: 2018 and Newer; APR range: 8.49% to 17.99%; Rates effective as of 2/1/2026; $50 loan processing fee applies
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
HAPO Community Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Boat, Motorhome, Travel Trailer Loan - 2008 and Newer
-
7.99%
DetailsModel year: 2008 and Newer; APR range: 7.99% to 17.99%; Rates effective as of 2/1/2026; $50 loan processing fee applies
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
HAPO Community Credit Union Credit Card Rates
Product
Rate
APR
View More
Credit Card - Low Rate
-
14.00%
DetailsAs Low As; Currently as low as; Maximum Term: Revolving
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 13.75% → 14.00% ▲ 0.25 pts · high 14.00% / low 13.75%
Oct 19, 202614.00%▲ from 13.75%
Oct 14, 202613.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Credit Card - Business
-
15.49%
DetailsAs Low As; Currently as low as; Maximum Term: Revolving; Must apply at one of our convenient branch locations
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 15.24% → 15.49% ▲ 0.25 pts · high 15.49% / low 15.24%
Oct 19, 202615.49%▲ from 15.24%
Oct 14, 202615.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Credit Card - Cash Back
-
17.00%
DetailsAs Low As; Currently as low as; Maximum Term: Revolving
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 16.75% → 17.00% ▲ 0.25 pts · high 17.00% / low 16.75%
Oct 19, 202617.00%▲ from 16.75%
Oct 14, 202616.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Youth Credit Card
-
18.00%
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
HAPO Community Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loans - Personal Loan
10.99%
DetailsAPR range: 10.99% to 17.99%; Rates effective as of 8/4/2025
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 10.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Personal Loans - Timeline
16.00%
DetailsRates effective as of 8/4/2025
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 16.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
HAPO Community Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Land Loan - Residential (Purchase) - 5-Year < 70% LTV
8.00%
-
8.495%
5-Year
DetailsAmortized over 15 years with a balloon due in 60 months
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Land Loan - Residential (Purchase) - 5-Year < 80% LTV
8.50%
-
9.004%
5-Year
DetailsAmortized over 15 years with a balloon due in 60 months
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 9.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Land Loan - Residential (Purchase) 5-Year
8.00%
-
8.495%
5-Year
Details<70% LTV; Amortized over 15 years with a balloon due in 60 months
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 8.75% → 8.50% ▼ 0.25 pts · high 8.75% / low 8.50%
Oct 26, 20268.50%▼ from 8.75%
Oct 19, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Land Loan - Residential (Purchase) 5-Year
8.50%
-
9.004%
5-Year
Details<80% LTV; Amortized over 15 years with a balloon due in 60 months
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 9.25% → 9.00% ▼ 0.25 pts · high 9.25% / low 9.00%
Oct 26, 20269.00%▼ from 9.25%
Oct 19, 20269.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Timeline Loan
-
-
16.00%
DetailsRates effective as of 8/4/2025
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 16.00% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
IRA Variable Rate Time Deposit
4.21%
-
4.29%
Min Balance$1
DetailsRates effective 10/6/2026
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.29% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Time Deposit Variable Rate
4.21%
-
4.29%
Min Balance$1
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.29% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Financial Health History
HAPO Community Credit Union’s Texas Ratio fell from 2.11% in Q3 2023 to 1.09% in Q2 2026, so its financial health has improved and is now 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
$3.0B
1.09%
5.0
A+
March 31, 2026
$3.1B
1.14%
5.0
A+
December 31, 2025
$3.0B
1.84%
5.0
A+
September 30, 2025
$3.0B
1.93%
5.0
A+
June 30, 2025
$2.4B
2.34%
5.0
A+
March 31, 2025
$2.4B
1.93%
5.0
A+
December 31, 2024
$2.4B
2.15%
5.0
A+
September 30, 2024
$2.4B
2.23%
5.0
A+
June 30, 2024
$2.4B
2.18%
5.0
A+
March 31, 2024
$2.4B
2.47%
5.0
A+
December 31, 2023
$2.4B
2.36%
5.0
A+
September 30, 2023
$2.4B
2.11%
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 HAPO Community 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 HAPO Community 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 HAPO Community Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
375,779,673
Total Uninsured Shares and Deposits > $250K (F+J)
398,779,673
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,169,475,835
Total Interest Expense (Sum of items 6 8)
21,831,425
Share Certificates
9,853
Number of Accounts for Share Drafts
144,625
IRA KEOGH Accounts
2,620
Number of Accounts for Regular Shares
239,632
All other shares
1,078
Non Member Deposits
8
Money Market Shares
4,447
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)
475,019,683
Total Liabilities
2,655,351,330
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
HAPO Community 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
There are no reviews for HAPO Community Credit Union yet. Feel free to create one below.
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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 HAPO Community Credit Union
Frequently Asked Questions About HAPO Community Credit Union
Does HAPO Community Credit Union offer CDs?
Yes. HAPO Community Credit Union current CD rates include its CD Account - 18 Month at 4.10% APY, its CD Account - 12 Month at 4.00% APY and its CD Account - 24 Month at 3.80% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from HAPO Community Credit Union NCUA insured?
Yes. HAPO Community 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 HAPO Community Credit Union?
The highest HAPO Community Credit Union CD rate is its CD Account - 18 Month at 4.10% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does HAPO Community Credit Union offer?
HAPO Community Credit Union CD rates are 3.60% APY for a 6 month CD, 4.00% APY for a 12 month CD, 4.10% APY for an 18 month CD, 3.80% APY for a 2 year CD, 3.25% APY for a 30 month CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with HAPO Community Credit Union for its full lineup.
What is the highest savings rate at HAPO Community Credit Union?
The highest HAPO Community Credit Union savings rate is its Savings at 0.05% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest money market rate at HAPO Community Credit Union?
The highest HAPO Community Credit Union money market rate is its Money Market at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest checking rate at HAPO Community Credit Union?
The highest HAPO Community Credit Union checking rate is its Commercial Premier Checking at 0.01% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest 30 year fixed mortgage rate at HAPO Community Credit Union?
The lowest HAPO Community Credit Union 30 year fixed mortgage rate is its One-Time Close Construction Loan 30-Year Fixed at 6.50%, verified by MonitorBankRates as of October 30, 2026. HAPO Community Credit Union mortgage rates are 7.125% for a 30 year mortgage, 7.125% for a 20 year mortgage, 6.75% for a 15 year mortgage and 6.00% for a 10 year mortgage.
What is the lowest auto loan rate at HAPO Community Credit Union?
The lowest HAPO Community Credit Union auto loan rate is its Auto/Motorcycle Loan - 2018 and Newer at 5.24% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at HAPO Community Credit Union?
The lowest HAPO Community Credit Union personal loan rate is its Personal Loans - Personal Loan at 10.99% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest credit card APR at HAPO Community Credit Union?
The lowest HAPO Community Credit Union credit card APR is its Credit Card - Low Rate at 14.00% APR, verified by MonitorBankRates as of October 30, 2026.
How many branches does HAPO Community Credit Union operate?
HAPO Community 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 HAPO Community Credit Union?
Yes, to access services at HAPO Community 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, HAPO Community 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, HAPO Community Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does HAPO Community Credit Union offer online and mobile banking?
Most modern institutions like HAPO Community 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.hapo.org.
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 HAPO Community Credit Union rates compare?
HAPO Community Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A+ health rating. HAPO Community Credit Union's top rates are its CD Account - 18 Month at 4.10% APY, its Savings at 0.05% APY, its Money Market at 3.25% APY, its Commercial Premier Checking at 0.01% APY, its One-Time Close Construction Loan 15-Year Fixed at 6.00%, its Personal Loans - Personal Loan at 10.99% APR and its Credit Card - Low Rate at 14.00% APR, verified by MonitorBankRates on October 30, 2026.
Current HAPO Community Credit Union Rates
12-Month CD4.00%
18-Month CD4.10%
24-Month CD3.80%
60-Month CD3.25%
Savings0.05%
MMA3.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
