What are the current interest rates at Henrico Federal Credit Union?

Current rates for Henrico Federal Credit Union include: Savings: 0.25%

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Henrico Federal Credit Union

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Henrico Federal Credit Union Rates & Review May 2026

Q: Is a member application needed to join Henrico Federal Credit Union?

Yes, to access services at Henrico 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Henrico 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: May 17, 2026

Henrico Federal Credit Union's savings rates are at 0.25%. Henrico Federal Credit Union's Personal Loan Rates are at 4.24%. MonitorBankRates evaluates the financial stability of Henrico Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.03%. Rates were last updated on 05/17/2026.

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

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.03%

Excellent Higher than avg

Henrico Federal Credit Union
West Broad

9401 W Broad St
Henrico, VA 23294

https://www.henricofcu.org

Henrico Federal Credit Union Savings Rates

Product	Rate	APY
Club Accounts	-	0.50%
Min Deposit $1 Min Balance $500 Last Updated 05/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.03%
Share / Savings	-	0.50%
Min Deposit $5 Min Balance $500 Last Updated 05/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.03%
Club Accounts	-	0.25%
Min Deposit $1 Min Balance $100 Last Updated 05/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.03%
Share / Savings	-	0.25%
Min Deposit $5 Min Balance $100 Last Updated 05/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.03%

Henrico Federal Credit Union Checking Rates

Product	Rate	APY
Invest Checking	-	2.75%
Min Balance $250,000 Last Updated 05/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.03%
Invest Checking	-	2.50%
Min Balance $100,000 Last Updated 05/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.03%
Invest Checking	-	2.00%
Min Balance $25,000 Last Updated 05/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.03%
Invest Checking	-	0.75%
Min Deposit $15 Min Balance $2,500 Last Updated 05/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.03%
Select Checking	-	0.50%
Min Balance $5,000 Last Updated 05/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.03%
Select Checking	-	0.25%
Min Deposit $15 Min Balance $1,000 Last Updated 05/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.03%
Basic Checking	-	0.00%
Min Deposit $15 Last Updated 05/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.03%

Henrico Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	6.24%
Details As Low As Last Updated 05/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.03%

Henrico Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.24%
Details As Low As Last Updated 05/17/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.03%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name Henrico Federal Credit Union

Website https://www.henricofcu.org

Address 9401 W Broad St, Henrico, VA 23294

Phone 804-266-0290

Fax 804-545-7822

President Henry Rosenbaum

CEO Christopher Williams

Full-Time Employees 84

Part-Time Employees 3

Branch Locations 8

ATM Locations 7

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.03%

Return on Assets (ROA)

0.7783%

Return on Equity (ROE)

7.5280%

Non-Performing Loans Ratio (NPL)

1.33%

Total Assets

476,778,167

Total Amount of Shares and Deposits

428,252,944

Total Shares and Deposits < 1 Year

414,292,016

Total Shares and Deposits 1 3 Years

13,960,929

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

27,820,508

Total Uninsured Shares and Deposits > $250K (F+J)

27,820,508

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

400,432,436

Total Interest Expense (Sum of items 6 8)

5,841,369

Share Certificates

2,958

Number of Accounts for Share Drafts

16,296

IRA KEOGH Accounts

545

Number of Accounts for Regular Shares

35,096

Non Member Deposits

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

536,506

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

32,740,643

Total Liabilities

436,122,821

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Henrico Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Henrico Federal Credit Union

How many branches does Henrico Federal Credit Union operate?

Henrico 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 Henrico Federal Credit Union?

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

Does Henrico Federal Credit Union offer online and mobile banking?

Most modern institutions like Henrico Federal 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.henricofcu.org.