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Heard Ame Federal Credit Union

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Heard Ame Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Heard Ame Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

Heard Ame Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Heard Ame Federal Credit Union, and you can see how they compare in the Heard Ame Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Heard Ame Federal Credit Union with a 4.6 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 11.24%. Database rates last updated and verified on 08/29/2026.

Heard Ame Federal 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 Heard Ame Federal Credit Union? Share your experience about Heard Ame Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Heard Ame Federal Credit Union.

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.6

Excellent Out of 5.0 Stars

Texas Ratio

11.24%

Excellent Higher than avg

Heard Ame Federal Credit Union
Heard A M E Church

310 E 8th Ave
Roselle, NJ 07203

Current Rate Availability

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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Heard Ame Federal 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 Heard Ame Federal 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 Heard Ame Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Heard Ame Federal Credit Union

Website N/A

Address 310 E 8th Ave, Roselle, NJ 07203

Phone 908-241-5588

Fax 908-241-8868

President Bridgette Hopson

CEO Evelyn Maynor

Full-Time Employees 0

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.6 / 5.0 ★

Overall Health & Safety Grade

A- (91/100)

Texas Ratio

11.24%

Return on Assets (ROA)

1.2437%

Return on Equity (ROE)

18.7773%

Non-Performing Loans Ratio (NPL)

2.89%

Total Assets

193,863

Total Amount of Shares and Deposits

179,978

Total Shares and Deposits < 1 Year

179,978

Total Insured Shares and Deposits > $250K (item 17 less item K)

179,978

Total Interest Expense (Sum of items 6 8)

Number of Accounts for Regular Shares

164

All other shares

Net Income (unless the amount is already included in Undivided Earnings)

2,596

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Adequately Capitalized

Net Worth Classification if credit union is a new credit union

Adequately Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

62,260

Total Liabilities

181,023

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Heard Ame Federal Credit Union

How many branches does Heard Ame Federal Credit Union operate?

Heard Ame Federal 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 Heard Ame Federal Credit Union?

Yes, to access services at Heard Ame Federal 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, Heard Ame Federal 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, Heard Ame Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Heard Ame Federal Credit Union offer online and mobile banking?

Most modern institutions like Heard Ame Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.