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Harris Employees Credit Union Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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: May 15, 2026

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 05/15/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.55%
Excellent Lower than avg
Harris Employees Credit Union
HARRIS EMPLOYEES CREDIT UNION
315 W 12th Ave
Cordele, GA 31015 2333
https://hcfcu.com/
Member NCUA

Harris Employees Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loans - - 5.49%
No additional details.
Last Updated 05/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.55%

Harris Employees Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New & Used Auto Loans - - 4.24%
No additional details.
Last Updated 05/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.55%

Harris Employees Credit Union Credit Card Rates

Product Rate APR View More
Credit Cards - 5.90%
No additional details.
Last Updated 05/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.55%
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.
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Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates 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

Customer Reviews

There are no reviews for Harris Employees Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Harris Employees Credit Union

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/.

Compare to Other Credit Unions

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