What are the current interest rates at HEREFORD TEXAS?

Current rates for HEREFORD TEXAS include: 24-Month CD: 3.04%, Savings: 0.75%

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HEREFORD TEXAS

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HEREFORD TEXAS Rates & Review October 2026

Q: How many branches does HEREFORD TEXAS operate?

HEREFORD TEXAS currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join HEREFORD TEXAS?

Yes, to access services at HEREFORD TEXAS, 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: Is there a first-time homebuyer program?

Currently, HEREFORD TEXAS 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, HEREFORD TEXAS 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: October 10, 2026

HEREFORD TEXAS's top rates as of October 10, 2026 are 3.81% APY on its CDs of Deposit - Term of Six (6) month CD, and 0.75% APY on savings, according to rates verified by MonitorBankRates. Other HEREFORD TEXAS CD rates include CDs of Deposit - Term of Eighteen (18) month at 3.56%, CDs of Deposit - Term of Twelve (12) month at 3.56%, and CDs of Deposit - Term of Thirty (30) month at 3.30%. MonitorBankRates evaluates the financial stability of HEREFORD TEXAS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.22%. Rates last updated and verified on 10/10/2026.

HEREFORD TEXAS 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 HEREFORD TEXAS? Share your experience about HEREFORD TEXAS by leaving a review below, or read customer reviews before you decide to use HEREFORD TEXAS.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.22%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

HEREFORD TEXAS
Hereford Texas Federal Credit Union

330 Schley Ave
Hereford, TX 79045-5539

http://www.htfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

HEREFORD TEXAS CD Rates

Product	Rate	APY	Term
Certificates of Deposit - Term of Six (6) month	3.75%	3.81%	Six (6) Months
Min Balance $1,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 3.56% → 3.81% ▲ 0.25 pts · high 3.81% / low 3.56% Oct 6, 20263.81%▲ from 3.56% Oct 1, 20263.56%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.22%
Certificates of Deposit - Term of Eighteen (18) month	3.50%	3.56%	Eighteen (18) Months
Min Balance $1,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04% Oct 6, 20263.56%▲ from 3.04% Oct 1, 20263.04%▼ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.22%
Certificates of Deposit - Term of Twelve (12) month	3.50%	3.56%	Twelve (12) Months
Min Balance $1,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30% Oct 6, 20263.56%▲ from 3.30% Oct 1, 20263.30%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.22%
Certificates of Deposit - Term of Thirty (30) month	3.25%	3.30%	Thirty (30) Months
Min Balance $1,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 2.53% → 3.30% ▲ 0.77 pts · high 3.30% / low 2.53% Oct 6, 20263.30%▲ from 2.53% Oct 1, 20262.53%▲ from 2.53% Sep 18, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.22%
36 month Certificates of Deposit - Term of Thirty-Six (36) month	3.25%	3.30%	36 months
Min Balance $1,000 Details Term: Thirty-Six (36) Months Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 2.53% → 3.30% ▲ 0.77 pts · high 3.30% / low 2.53% Oct 6, 20263.30%▲ from 2.53% Oct 1, 20262.53%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.22%
24 month Certificates of Deposit - Term of Twenty-Four (24) month	3.00%	3.04%	24 months
Min Balance $1,000 Details Term: Twenty-Four (24) Months Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 2.79% → 3.04% ▲ 0.25 pts · high 3.04% / low 2.79% Oct 6, 20263.04%▲ from 2.79% Oct 1, 20262.79%▲ from 2.79% Sep 14, 20262.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.22%

HEREFORD TEXAS Savings Rates

Product	Rate	APY
Health Savings Investments	0.75%	0.75%
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 0.50% → 0.75% ▲ 0.25 pts · high 0.75% / low 0.50% Oct 6, 20260.75%▲ from 0.50% Oct 1, 20260.50%▼ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.22%
Share Account (Savings, Round Up Savings)	0.75%	0.75%
Min Balance $25 Details $25.01 and Up. Required Sustaining Balance of $25.00. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 0.75% ▲ 0.25 pts · high 0.75% / low 0.50% Oct 6, 20260.75%▲ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.22%

HEREFORD TEXAS Other Rates

Product	Rate	Points	APY/APR
I.R.A. Certificate of Deposit - Education	3.25%	-	3.25%
Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 2.53% → 3.25% ▲ 0.72 pts · high 3.25% / low 2.53% Oct 6, 20263.25%▲ from 2.53% Oct 1, 20262.53%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.22%
I.R.A. Certificate of Deposit - Roth/Roth Conv	3.25%	-	3.25%
Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 2.53% → 3.25% ▲ 0.72 pts · high 3.25% / low 2.53% Oct 6, 20263.25%▲ from 2.53% Oct 1, 20262.53%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.22%
I.R.A. Certificate of Deposit - Traditional	3.25%	-	3.25%
Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 2.53% → 3.25% ▲ 0.72 pts · high 3.25% / low 2.53% Oct 6, 20263.25%▲ from 2.53% Oct 1, 20262.53%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.22%

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.

Financial Health History

HEREFORD TEXAS’s Texas Ratio fell from 4.19% in Q3 2023 to 2.22% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$77M	2.22%	5.0	A+
March 31, 2026	$77M	1.69%	5.0	A+
December 31, 2025	$75M	1.66%	5.0	A+
September 30, 2025	$73M	1.88%	5.0	A+
June 30, 2025	$73M	1.57%	5.0	A+
March 31, 2025	$73M	1.87%	5.0	A+
December 31, 2024	$72M	3.30%	5.0	A+
September 30, 2024	$71M	2.81%	5.0	A+
June 30, 2024	$70M	4.97%	5.0	A+
March 31, 2024	$71M	2.73%	5.0	A+
December 31, 2023	$71M	5.27%	5.0	A+
September 30, 2023	$71M	4.19%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for HEREFORD TEXAS 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 HEREFORD TEXAS 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 HEREFORD TEXAS's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name HEREFORD TEXAS

Website http://www.htfcu.com

Address 330 Schley Ave, Hereford, TX 79045-5539

Phone 806-364-1888

Fax 806-364-8638

President David Collins

CEO Brenda Fuentes

Full-Time Employees 19

Part-Time Employees 1

Branch Locations 2

ATM Locations 2

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

2.22%

Return on Assets (ROA)

0.3677%

Return on Equity (ROE)

1.7155%

Non-Performing Loans Ratio (NPL)

0.91%

Total Assets

77,309,532

Total Amount of Shares and Deposits

59,552,823

Total Shares and Deposits < 1 Year

57,516,098

Total Shares and Deposits 1 3 Years

2,036,725

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

4,485,770

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

4,485,770

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

55,067,053

Total Interest Expense (Sum of items 6 8)

451,036

Share Certificates

347

Number of Accounts for Share Drafts

3,629

IRA KEOGH Accounts

Number of Accounts for Regular Shares

7,781

All other shares

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

284,250

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

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,058,185

Total Liabilities

60,739,645

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

HEREFORD TEXAS earned the Verified Healthy badge

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Frequently Asked Questions About HEREFORD TEXAS

How many branches does HEREFORD TEXAS operate?

HEREFORD TEXAS 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 HEREFORD TEXAS?

Yes, to access services at HEREFORD TEXAS, 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, HEREFORD TEXAS 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, HEREFORD TEXAS provides members with tools to manage their accounts and build a solid financial history.

Does HEREFORD TEXAS offer online and mobile banking?

Most modern institutions like HEREFORD TEXAS 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://www.htfcu.com.