What are the current interest rates at Hidden River Credit Union?

Current rates for Hidden River Credit Union include: 12-Month CD: 3.82%, 18-Month CD: 3.87%, 24-Month CD: 3.61%, 60-Month CD: 3.45%, Savings: 0.25%, MMA: 1.26%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Hidden River Credit Union

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Hidden River Credit Union Rates & Review October 2026

Q: Is a member application needed to join Hidden River Credit Union?

Yes, to access services at Hidden River 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, Hidden River 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: October 9, 2026

Hidden River Credit Union's top rates as of October 9, 2026 are 3.92% APY on its 18 month Jumbo CDs CD, 0.25% APY on savings, 1.26% APY on money market accounts, 0.15% APY on checking, 6.74% on its Ten & Done Mortgage, personal loans from 9.99% APR, and credit cards from 11.99% APR, according to rates verified by MonitorBankRates. Other Hidden River Credit Union CD rates include IRA CDs of Deposit - 18 month at 3.92%, 1 year Jumbo CDs at 3.87%, and 18 month Regular CDs at 3.87%. MonitorBankRates evaluates the financial stability of Hidden River Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.39%. Rates last updated and verified on 10/09/2026.

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

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

1.39%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Hidden River Credit Union
Hidden River Credit Union

60 Westwood Rd
Pottsville, PA 17901-1834

https://www.hdriver.org

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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.

Hidden River Credit Union CD Rates

Product	Rate	APY	Term
18 month Jumbo CDs	3.85%	3.92%	18 months
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.61% → 3.92% ▲ 0.31 pts · high 3.92% / low 3.61% Oct 9, 20263.92%▲ from 3.66% Oct 1, 20263.66%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 18 month	3.85%	3.92%	18 months
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.92% ▲ 0.36 pts · high 3.92% / low 3.56% Oct 9, 20263.92%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
1 year Jumbo CDs	3.80%	3.87%	1 year
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 3.71% → 3.87% ▲ 0.16 pts · high 3.87% / low 3.71% Oct 9, 20263.87%▲ from 3.71% Oct 1, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
18 month Regular CDs	3.80%	3.87%	18 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56% Oct 9, 20263.87%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 1 year	3.80%	3.87%	1 year
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66% Oct 9, 20263.87%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 18 month	3.80%	3.87%	18 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56% Oct 9, 20263.87%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
1 year Regular CDs	3.75%	3.82%	1 year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 3.82% ▲ 0.16 pts · high 3.82% / low 3.66% Oct 9, 20263.82%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 1 year	3.75%	3.82%	1 year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 3.82% ▲ 0.16 pts · high 3.82% / low 3.66% Oct 9, 20263.82%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
6 month (180 Days) Jumbo CDs	3.70%	3.76%	6 months
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 6 month (180 Days)	3.70%	3.76%	6 months
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.71% → 3.76% ▲ 0.05 pts · high 3.76% / low 3.71% Oct 9, 20263.76%▲ from 3.71% Sep 14, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
3 month (90 Days) Jumbo CDs	3.65%	3.71%	3 months
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 3.71% ▼ 0.11 pts · high 3.82% / low 3.71% Oct 9, 20263.71%▼ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
6 month (180 Days) Regular CDs	3.65%	3.71%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 3 month (90 Days)	3.65%	3.71%	3 months
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.76% → 3.71% ▼ 0.05 pts · high 3.76% / low 3.71% Oct 9, 20263.71%▼ from 3.76% Sep 14, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 6 month (180 Days)	3.65%	3.71%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
3 month (90 Days) Regular CDs	3.60%	3.67%	3 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.76% → 3.67% ▼ 0.09 pts · high 3.76% / low 3.67% Oct 9, 20263.67%▼ from 3.76% Sep 14, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 3 month (90 Days)	3.60%	3.67%	3 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.76% → 3.67% ▼ 0.09 pts · high 3.76% / low 3.67% Oct 9, 20263.67%▼ from 3.76% Sep 14, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
2 years Jumbo CDs	3.60%	3.66%	2 years
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 3.61% → 3.66% ▲ 0.05 pts · high 3.66% / low 3.61% Oct 9, 20263.66%▲ from 3.61% Oct 1, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 2 years	3.60%	3.66%	2 years
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.66% ▲ 0.10 pts · high 3.66% / low 3.56% Oct 9, 20263.66%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
2 years Regular CDs	3.55%	3.61%	2 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.61% ▲ 0.05 pts · high 3.61% / low 3.56% Oct 9, 20263.61%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 2 years	3.55%	3.61%	2 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.61% ▲ 0.05 pts · high 3.61% / low 3.56% Oct 9, 20263.61%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
3 years Jumbo CDs	3.45%	3.51%	3 years
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 3.40% → 3.51% ▲ 0.11 pts · high 3.51% / low 3.40% Oct 9, 20263.51%▲ from 3.40% Oct 1, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
4 years Jumbo CDs	3.45%	3.51%	4 years
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 3.30% → 3.51% ▲ 0.21 pts · high 3.51% / low 3.30% Oct 9, 20263.51%▲ from 3.30% Oct 1, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
5 years Jumbo CDs	3.45%	3.51%	5 years
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 3.40% → 3.51% ▲ 0.11 pts · high 3.51% / low 3.40% Oct 9, 20263.51%▲ from 3.40% Oct 1, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 3 years	3.45%	3.51%	3 years
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.51% ▲ 0.16 pts · high 3.51% / low 3.35% Oct 9, 20263.51%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 4 years	3.45%	3.51%	4 years
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.51% ▲ 0.26 pts · high 3.51% / low 3.25% Oct 9, 20263.51%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 5 years	3.45%	3.51%	5 years
Details Jumbo CDs (Above $75,000) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.51% ▲ 0.16 pts · high 3.51% / low 3.35% Oct 9, 20263.51%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
3 years Regular CDs	3.40%	3.45%	3 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
4 years Regular CDs	3.40%	3.45%	4 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25% Oct 9, 20263.45%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
5 years Regular CDs	3.40%	3.45%	5 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 3 years	3.40%	3.45%	3 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 4 years	3.40%	3.45%	4 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25% Oct 9, 20263.45%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
IRA Certificates of Deposit - 5 years	3.40%	3.45%	5 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Hidden River Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.30%	0.30%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
My Club	0.30%	0.30%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Vacation Club	0.30%	0.30%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Share Savings	-	0.25%
Min Balance $5 Details Share Savings ($5 minimum balance) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Hidden River Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.25%	1.26%
Min Balance $50,000 Details Balance: $50,000 or greater Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 1.21% → 1.26% ▲ 0.05 pts · high 1.26% / low 1.21% Oct 9, 20261.26%▲ from 1.21% Oct 1, 20261.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Money Market Account	0.95%	0.95%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 1.21% → 0.95% ▼ 0.26 pts · high 1.21% / low 0.95% Oct 9, 20260.95%▼ from 1.21% Oct 1, 20261.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Money Market Account	0.90%	0.90%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 1.21% → 0.90% ▼ 0.31 pts · high 1.21% / low 0.90% Oct 9, 20260.90%▼ from 1.21% Oct 1, 20261.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Money Market Account	0.75%	0.75%
Min Balance $2,500 Details Balance: $2,500 to $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Oct 1, 2026 · 1.21% → 0.75% ▼ 0.46 pts · high 1.21% / low 0.75% Oct 9, 20260.75%▼ from 1.21% Oct 1, 20261.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Hidden River Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft Checking	-	0.15%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Hidden River Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Ten & Done Mortgage	6.74%	-	6.74%	10 year
Details Fixed interest rate. Maximum loan amount is $200,000. All loan requests subject to credit approval. Loan terms and conditions may apply to new money loans only. Rates and terms are subject to change without prior notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Hidden River Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	3.99%	Up to 90 months
Details As Low As; No pre-payment penalties; Easy payment options with direct deposit, payroll deduction, and automatic transfer; Weekly, bi-weekly, or monthly payment options designed to fit your lifestyle; FREE CarFax vehicle history reports; First Time Car Buyer Program for members with limited or no credit; Refinance programs that use the highest NADA used car value; Optional Guaranteed Asset Protection (GAP) Insurance; Optional Smart Choice Loan Protection Insurance Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 4.99% / low 3.99% Oct 9, 20263.99%▼ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Used Auto Loan	-	-	3.99%	Up to 84 months
Details As Low As; No pre-payment penalties; Easy payment options with direct deposit, payroll deduction, and automatic transfer; Weekly, bi-weekly, or monthly payment options designed to fit your lifestyle; FREE CarFax vehicle history reports; First Time Car Buyer Program for members with limited or no credit; Refinance programs that use the highest NADA used car value; Optional Guaranteed Asset Protection (GAP) Insurance; Optional Smart Choice Loan Protection Insurance Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 4.99% / low 3.99% Oct 9, 20263.99%▼ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Vehicle Loan	-	-	3.99%	24 months
Details New Vehicle; Daily Periodic Rate: 0.01093% Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 4.99% / low 3.99% Oct 9, 20263.99%▼ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Vehicle Loan	-	-	3.99%	36 months
Details New Vehicle; Daily Periodic Rate: 0.01093% Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 4.99% / low 3.99% Oct 9, 20263.99%▼ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Vehicle Loan	-	-	4.99%	48 months
Details New Vehicle; Daily Periodic Rate: 0.01367% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Vehicle Loan	-	-	4.99%	60 months
Details New Vehicle; Daily Periodic Rate: 0.01367% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Vehicle Loan	-	-	5.49%	72 months
Details New Vehicle; Daily Periodic Rate: 0.01504% Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.49% → 5.49% ▼ 0.00 pts · high 5.69% / low 5.49% Oct 9, 20265.49%▼ from 5.69% Oct 1, 20265.69%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Vehicle Loan	-	-	6.39%	84 months
Details New Vehicle; Daily Periodic Rate: 0.01751% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.29% → 6.39% ▲ 0.10 pts · high 6.39% / low 6.29% Oct 9, 20266.39%▲ from 6.29% Sep 14, 20266.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Vehicle Loan	-	-	7.49%	90 months
Details New Vehicle; Daily Periodic Rate: 0.02052% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.19% → 7.49% ▲ 0.30 pts · high 7.49% / low 7.19% Oct 9, 20267.49%▲ from 7.19% Sep 14, 20267.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
First Time Car Buyer Loan	-	-	9.99%	60 months
Details Used Vehicle; Daily Periodic Rate: 0.02737% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
First Time Car Buyer Loan	-	-	9.99%	72 months
Details New Vehicle; Daily Periodic Rate: 0.02737% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Hidden River Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motor Homes, Travel Trailers, Campers & 5th Wheel Trailers Loan	-	6.09%	72 months
Details New Vehicle; Daily Periodic Rate: 0.01668% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Motor Homes, Travel Trailers, Campers & 5th Wheel Trailers Loan	-	6.29%	96 months
Details Used Vehicle; Daily Periodic Rate: 0.01723% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Motor Homes, Travel Trailers, Campers & 5th Wheel Trailers Loan	-	6.29%	120 months
Details New Vehicle; Daily Periodic Rate: 0.01723% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Motorcycles, ATV, Boats, Snowmobiles, & Transportation Trailers Loan	-	6.49%	36 months
Details Used Vehicle; Daily Periodic Rate: 0.01778% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Motorcycles, ATV, Boats, Snowmobiles, & Transportation Trailers Loan	-	6.99%	60 months
Details New Vehicle; Daily Periodic Rate: 0.01915% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Hidden River Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	11.99%
Details Visa Platinum Rewards Variable Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Hidden River Credit Union Personal Loan Rates

Product	APR	Term
Signature/Personal Loan	9.99%	60 months max
Details Maximum loan amount: $10,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 8.99% → 9.99% ▲ 1.00 pts · high 9.99% / low 8.99% Oct 9, 20269.99%▲ from 8.99% Sep 18, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Consolidation Loan	12.99%	60 months max
Details Maximum loan amount: $7,500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

Hidden River Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Alternative Heating Loan	-	-	10.99%	36 months max
Details Maximum loan amount: $5,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Heating Oil Pre-Payment Purchase Loan	-	-	10.99%	12 months max
Details Maximum loan amount: $1,500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%
Unimproved Land (up to 90% LTV) Loan	-	-	6.39%	15 years max
Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.29% → 6.39% ▲ 0.10 pts · high 6.39% / low 6.29% Oct 2, 20266.39%▲ from 6.29% Sep 14, 20266.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.39%

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Financial Health History

Hidden River Credit Union’s Texas Ratio fell from 3.67% in Q3 2023 to 1.39% 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	$259M	1.39%	5.0	A+
March 31, 2026	$254M	1.61%	5.0	A+
December 31, 2025	$245M	1.25%	5.0	A+
September 30, 2025	$241M	1.81%	5.0	A+
June 30, 2025	$239M	2.12%	5.0	A+
March 31, 2025	$238M	2.43%	5.0	A+
December 31, 2024	$228M	3.04%	5.0	A+
September 30, 2024	$223M	2.96%	5.0	A+
June 30, 2024	$222M	1.85%	5.0	A+
March 31, 2024	$222M	3.70%	5.0	A+
December 31, 2023	$216M	5.18%	5.0	A+
September 30, 2023	$215M	3.67%	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 Hidden River 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 Hidden River 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 Hidden River Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hidden River Credit Union

Website https://www.hdriver.org

Address 60 Westwood Rd, Pottsville, PA 17901-1834

Phone 570-622-3399

Fax 570-622-5801

President George Zweibel

CEO John Murga

Full-Time Employees 43

Part-Time Employees 1

Branch Locations 4

ATM Locations 4

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

1.39%

Return on Assets (ROA)

0.5681%

Return on Equity (ROE)

6.1418%

Non-Performing Loans Ratio (NPL)

0.31%

Total Assets

258,802,253

Total Amount of Shares and Deposits

234,687,067

Total Shares and Deposits < 1 Year

225,348,418

Total Shares and Deposits 1 3 Years

7,548,652

Total Shares and Deposits > 3 Years

1,789,997

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

15,743,376

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

15,743,376

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

218,943,691

Total Interest Expense (Sum of items 6 8)

1,591,925

Share Certificates

3,593

Number of Accounts for Share Drafts

8,969

IRA KEOGH Accounts

1,238

Number of Accounts for Regular Shares

18,806

Money Market Shares

395

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)

6,570,499

Total Liabilities

234,864,124

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Hidden River Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Hidden River Credit Union

How many branches does Hidden River Credit Union operate?

Hidden River 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 Hidden River Credit Union?

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

Does Hidden River Credit Union offer online and mobile banking?

Most modern institutions like Hidden River 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.hdriver.org.

Current Hidden River Credit Union Rates

12-Month CD3.82%
18-Month CD3.87%
24-Month CD3.61%
60-Month CD3.45%
Savings0.25%
MMA1.26%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Hidden River Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Hidden River Credit Union Texas Ratio

Hidden River Credit Union Health Trend

Hidden River Credit Union CD Rates

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Hidden River Credit Union Money Market Rates

Hidden River Credit Union Checking Rates

Hidden River Credit Union Mortgage Rates

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Hidden River Credit Union RV, Boat and Powersport Loan Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Hidden River Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Hidden River Credit Union

How many branches does Hidden River Credit Union operate?

Is a member application needed to join Hidden River Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Hidden River Credit Union offer online and mobile banking?

Current Hidden River Credit Union Rates

Compare to Other Credit Unions