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iAdvertiser Disclosure
Advertiser Disclosure
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 Harris Employees Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 8, 2026
Harris Employees Credit Union's 3 YR IRA PR DED CD rates are at 3.97%, 3 YEAR CD rates are at 3.92%, 2 YR IRA PR DED CD rates are at 3.87%, 2 YEAR CD rates are at 3.82%, 3 YEAR CD rates are at 3.82%. Harris Employees Credit Union's savings rates are at 0.15%. Harris Employees Credit Union's Personal Loan Rates are at 4.24%. MonitorBankRates evaluates the financial stability of Harris Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.55%. Rates were last updated on 04/08/2026. Harris Employees 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 Harris Employees Credit Union? Share your experience about Harris Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Harris Employees Credit Union. Harris Employees Credit Union
HARRIS EMPLOYEES CREDIT UNION 315 W 12th Ave
https://hcfcu.com/ Cordele, GA 31015 2333 
Harris Employees Credit Union CD Rates
Harris Employees Credit Union Savings Rates
Harris Employees Credit Union Checking Rates
Harris Employees Credit Union Home Equity & HELOC
Harris Employees Credit Union Auto Loan Rates
Harris Employees Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Harris Employees 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 Harris Employees 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 Harris Employees Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Harris Employees Credit Union
Website
https://hcfcu.com/
Address
315 W 12th Ave,
Cordele, GA 31015 2333
Phone
229-273-2500
Fax
President
Philip Walls
CEO
Kay Burton
Full-Time Employees
1
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
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
1.55%
Return on Assets (ROA)
-0.0669%
Return on Equity (ROE)
-0.2300%
Non-Performing Loans Ratio (NPL)
0.98%
Total Assets
750,500
Total Amount of Shares and Deposits
504,743
Total Shares and Deposits < 1 Year
504,743
Total Insured Shares and Deposits > $250K (item 17 less item K)
504,743
Total Interest Expense (Sum of items 6 8)
3,080
Number of Accounts for Regular Shares
210
Net Income (unless the amount is already included in Undivided Earnings)
-502
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
97,645
Total Liabilities
532,281
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Harris Employees Credit UnionIs Harris Employees Credit Union a safe place to deposit money?Yes, Harris Employees Credit Union is considered a safe financial institution. With a Texas Ratio of 1.5525687497422%, 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 Harris Employees Credit Union operate?Harris Employees 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 Harris Employees Credit Union?Yes, to access services at Harris Employees 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, Harris Employees 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, Harris Employees Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Harris Employees Credit Union offer online and mobile banking?Most modern institutions like Harris Employees 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://hcfcu.com/. Current Harris Employees Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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