|
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.
 Homebase Federal Credit Union Rates & Review November 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 and Verified: October 28, 2026
Homebase Federal Credit Union's 60 Month CD rates are at 4.02%, 36 Month CD rates are at 3.97%, 24 Month CD rates are at 3.92%, 12 Month CD rates are at 3.87%, 18 Month CD rates are at 3.87%. Homebase Federal Credit Union's savings rates are at 0.25%. Homebase Federal Credit Union's money market rates are at 2.01%. Homebase Federal Credit Union's Mortgage - 3/1 ARM rates are at 5.62%, Mortgage - 5/1 ARM rates are at 5.88%, Mortgage - 7/1 ARM rates are at 6.12%, Mortgage - VA 30 Year Fixed rates are at 6.88%, Mortgage - 30 Year Fixed rates are at 7.25%. Homebase Federal Credit Union's Personal Loan Rates are as low as 7.99%. Homebase Federal Credit Union's Credit Card Rates are at 11.99%. Homebase Federal Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Homebase Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.17%. Rates last updated and verified on 10/28/2026. Homebase 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 Homebase Federal Credit Union? Share your experience about Homebase Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Homebase Federal Credit Union. Homebase Federal Credit Union
Main Office 4495 Crossings Blvd
https://www.homebasecu.org Prince George, VA 23875  Customer Reviews
Be the first to review
Write a Review
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. Homebase Federal Credit Union CD Rates
Homebase Federal Credit Union Savings Rates
Homebase Federal Credit Union Money Market Rates
Homebase Federal Credit Union Checking Rates
Homebase Federal Credit Union Mortgage Rates
Homebase Federal Credit Union Home Equity & HELOC
Homebase Federal Credit Union Auto Loan Rates
Homebase Federal Credit Union RV, Boat and Powersport Loan Rates
Homebase Federal Credit Union Credit Card Rates
Homebase Federal Credit Union Personal Loan Rates
Homebase Federal Credit Union Other Rates
Financial Health HistoryHomebase Federal Credit Union’s Texas Ratio rose from 1.28% in Q3 2023 to 4.17% in Q2 2026, so its financial health has stayed 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
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Homebase 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 Homebase 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 Homebase Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Homebase Federal Credit Union
Website
https://www.homebasecu.org
Address
4495 Crossings Blvd,
Prince George, VA 23875
Phone
804-452-0736
Fax
804-458-1182
President
Glenn Horst Jr
CEO
Clint Summers
Full-Time Employees
55
Part-Time Employees
1
Branch Locations
3
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.17%
Return on Assets (ROA)
0.5690%
Return on Equity (ROE)
5.2344%
Non-Performing Loans Ratio (NPL)
0.96%
Total Assets
297,836,140
Total Amount of Shares and Deposits
267,958,526
Total Shares and Deposits < 1 Year
257,034,394
Total Shares and Deposits 1 3 Years
9,266,329
Total Shares and Deposits > 3 Years
1,657,803
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
16,010,495
Total Uninsured Shares and Deposits > $250K (F+J)
16,010,495
Total Insured Shares and Deposits > $250K (item 17 less item K)
251,948,031
Total Interest Expense (Sum of items 6 8)
1,552,635
Share Certificates
1,521
Number of Accounts for Share Drafts
11,522
IRA KEOGH Accounts
446
Number of Accounts for Regular Shares
16,878
All other shares
1,175
Money Market Shares
178
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)
15,924,697
Total Liabilities
268,374,504
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Homebase Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Homebase Federal Credit Union
Frequently Asked Questions About Homebase Federal Credit UnionDoes Homebase Federal Credit Union offer CDs?Yes. Homebase Federal Credit Union current CD rates include its 60 Month CD at 4.02% APY, its 36 Month CD at 3.97% APY and its 24 Month CD at 3.92% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Homebase Federal Credit Union NCUA insured?Yes. Homebase Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Homebase Federal Credit Union?The highest Homebase Federal Credit Union CD rate is its 60 Month CD at 4.02% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Homebase Federal Credit Union offer?Homebase Federal Credit Union CD rates are 3.87% APY for a 12 month CD, 3.87% APY for an 18 month CD, 3.92% APY for a 2 year CD, 3.97% APY for a 3 year CD and 4.02% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Homebase Federal Credit Union for its full lineup. What is the highest savings rate at Homebase Federal Credit Union?The highest Homebase Federal Credit Union savings rate is its Savings at 0.25% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at Homebase Federal Credit Union?The highest Homebase Federal Credit Union money market rate is its Money Market at 2.01% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest 30 year fixed mortgage rate at Homebase Federal Credit Union?The lowest Homebase Federal Credit Union 30 year fixed mortgage rate is its Mortgage - VA 30 Year Fixed at 6.875%, verified by MonitorBankRates as of October 28, 2026. Homebase Federal Credit Union mortgage rates are 7.25% for a 30 year mortgage, 5.625% for a 3/1 ARM, 5.875% for a 5/1 ARM and 6.125% for a 7/1 ARM. What is the lowest auto loan rate at Homebase Federal Credit Union?The lowest Homebase Federal Credit Union auto loan rate is its New & Used Vehicles Loan at 4.99% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at Homebase Federal Credit Union?The lowest Homebase Federal Credit Union personal loan rate is its Personal Loan at 7.99% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest credit card APR at Homebase Federal Credit Union?The lowest Homebase Federal Credit Union credit card APR is its Rewards VISA Credit Card at 11.99% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does Homebase Federal Credit Union operate?Homebase 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 Homebase Federal Credit Union?Yes, to access services at Homebase 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, Homebase 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, Homebase Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Homebase Federal Credit Union offer online and mobile banking?Most modern institutions like Homebase 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.homebasecu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Homebase Federal Credit Union rates compare?Homebase Federal Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. Homebase Federal Credit Union's top rates are its 60 Month CD at 4.02% APY, its Savings at 0.25% APY, its Money Market at 2.01% APY, its Mortgage - 3/1 ARM at 5.625%, its Personal Loan at 7.99% APR and its Rewards VISA Credit Card at 11.99% APR, verified by MonitorBankRates on October 28, 2026. Current Homebase Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Edinburg Teachers Credit Union
Financial Partners Credit Union
Power Credit Union
Colquitt County Teacher Federal Credit Union
Mainstreet Federal Credit Union
PCM Credit Union
Envista Federal Credit Union
Latitude 32 Federal Credit Union
Members1st Community Credit Union
Onomea Federal Credit Union
Chula Vista City Employees Federal Credit Union
Pacific Horizon Credit Union
Charlotte Fire Department Credit Union
Connex Credit Union
Diversified General Credit Union
Maun Federal Credit Union
Mt Rainier Federal Credit Union
CGR Credit Union
The Family First Federal Credit Union
Gallatin Steam Plant Credit Union
Parks Heritage Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
