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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 HAPO Community Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
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: March 27, 2026
HAPO Community Credit Union's 6 Month CD Account rates are at 3.60%, 6 Month Commercial CD Account rates are at 3.60%, Commercial CD Account 6 Month rates are at 3.60%, 12 Month CD Account rates are at 3.30%, 12 Month Commercial CD Account rates are at 3.30%. HAPO Community Credit Union's savings rates are at 0.05%. HAPO Community Credit Union's money market rates are at 0.00%. HAPO Community Credit Union's 15-Year Fixed rates are at 5.38%, 15-Year Fixed rates are at 5.62%, 15-Year VA Purchase / No Cash-Out Refinance rates are at 5.62%, 10-Year Fixed rates are at 5.38%, 30-Year Fixed rates are at 5.88%. HAPO Community Credit Union's Personal Loan Rates are at 10.99%. 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 2.10%. Rates were last updated on 03/27/2026. 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 CD Rates
HAPO Community Credit Union Savings Rates
HAPO Community Credit Union Money Market Rates
HAPO Community Credit Union Checking Rates
HAPO Community Credit Union Mortgage Rates
HAPO Community Credit Union Home Equity & HELOC
HAPO Community Credit Union Credit Card Rates
HAPO Community Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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.
Credit Union Profile & Overview
Credit Union Name
HAPO Community Credit Union
Website
https://www.hapo.org
Address
601 Williams Blvd,
Richland, WA 99354
Phone
509-943-5676
Fax
509-946-8787
President
Ken Hohenberg
CEO
Scott Mitchell
Full-Time Employees
606
Part-Time Employees
19
Branch Locations
27
ATM Locations
26
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.10%
Return on Assets (ROA)
0.8455%
Return on Equity (ROE)
8.4859%
Non-Performing Loans Ratio (NPL)
0.29%
Total Assets
3,012,503,999
Total Amount of Shares and Deposits
2,588,992,027
Total Shares and Deposits < 1 Year
2,523,197,989
Total Shares and Deposits 1 3 Years
56,151,412
Total Shares and Deposits > 3 Years
9,642,627
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
152,696,051
Total Uninsured Shares and Deposits > $250K (F+J)
175,696,051
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,413,295,976
Total Interest Expense (Sum of items 6 8)
25,307,496
Share Certificates
9,569
Number of Accounts for Share Drafts
144,886
IRA KEOGH Accounts
2,713
Number of Accounts for Regular Shares
236,358
All other shares
1,112
Non Member Deposits
11
Money Market Shares
4,771
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
480,313,852
Total Liabilities
2,715,055,788
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About HAPO Community Credit UnionIs HAPO Community Credit Union a safe place to deposit money?Yes, HAPO Community Credit Union is considered a safe financial institution. With a Texas Ratio of 2.1048426779318%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current HAPO Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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