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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.
HB TELCO 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 16, 2026
HB TELCO's 12 Month CDs (youth - under 18) rates are at 3.25%, 12 Month CD rates are at 3.25%. HB TELCO's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of HB TELCO with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.18%. Rates were last updated on 03/16/2026. HB TELCO 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 HB TELCO? Share your experience about HB TELCO by leaving a review below, or read customer reviews before you decide to use HB TELCO. 
HB TELCO CD Rates
HB TELCO Savings Rates
HB TELCO Checking Rates
HB TELCO Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for HB TELCO 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 HB TELCO 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 HB TELCO's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
HB TELCO
Website
http://hbtelcofcu.com
Address
375 3rd St SW,
Huron, SD 57350 1945
Phone
605-352-6933
Fax
833-353-2330
President
Ervin Huber
CEO
SARA GOGOLIN
Full-Time Employees
2
Part-Time Employees
0
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 (96/100)
Texas Ratio
7.18%
Return on Assets (ROA)
-0.2314%
Return on Equity (ROE)
-2.5858%
Non-Performing Loans Ratio (NPL)
0.97%
Total Assets
4,989,217
Total Amount of Shares and Deposits
4,508,638
Total Shares and Deposits < 1 Year
4,508,638
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
18,967
Total Uninsured Shares and Deposits > $250K (F+J)
18,967
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,489,671
Total Interest Expense (Sum of items 6 8)
36,153
Share Certificates
72
Number of Accounts for Share Drafts
69
Number of Accounts for Regular Shares
835
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
137,837
Total Liabilities
4,542,694
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About HB TELCOIs HB TELCO a safe place to deposit money?Yes, HB TELCO is considered a safe financial institution. With a Texas Ratio of 7.1824860067447%, 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 HB TELCO operate?HB TELCO 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 HB TELCO?Yes, to access services at HB TELCO, 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, HB TELCO 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, HB TELCO provides members with tools to manage their accounts and build a solid financial history. Does HB TELCO offer online and mobile banking?Most modern institutions like HB TELCO 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: http://hbtelcofcu.com. Current HB TELCO Rates
Retrieved from our database of financial products. Rates subject to change.
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