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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.
 Homeland 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 29, 2026
Homeland Credit Union's 60 Month Share and IRA Jumbo CDs rates are at 4.65%, 48 Month Share and IRA Jumbo CDs rates are at 4.63%, 35 Month Share and IRA Jumbo CDs rates are at 4.61%, 30 Month Share and IRA Jumbo CDs rates are at 4.58%, 60 Month Share and IRA CDs rates are at 4.55%. Homeland Credit Union's savings rates are at 0.10%. Homeland Credit Union's Personal Loan Rates are as low as 9.99%. Homeland Credit Union's Credit Card Rates are at 10.00%. Homeland Credit Union's CD rates are 58% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Homeland Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.83%. Rates last updated and verified on 10/29/2026. Homeland 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 Homeland Credit Union? Share your experience about Homeland Credit Union by leaving a review below, or read customer reviews before you decide to use Homeland Credit Union. 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. Homeland Credit Union CD Rates
Homeland Credit Union Savings Rates
Homeland Credit Union Auto Loan Rates
Homeland Credit Union RV, Boat and Powersport Loan Rates
Homeland Credit Union Credit Card Rates
Homeland Credit Union Personal Loan Rates
Homeland Credit Union Other Rates
Financial Health HistoryHomeland Credit Union’s Texas Ratio stayed near 1.75% in Q3 2023 to 1.83% 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
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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 Homeland 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 Homeland 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 Homeland Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Homeland Credit Union
Website
https://www.homelandcu.com
Address
310 Caldwell St,
Chillicothe, OH 45601
Phone
740-775-3331
Fax
740-774-1055
President
Dennis Miller
CEO
Shayne Poe
Full-Time Employees
63
Part-Time Employees
26
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.83%
Return on Assets (ROA)
0.4673%
Return on Equity (ROE)
2.9592%
Non-Performing Loans Ratio (NPL)
1.10%
Total Assets
624,156,938
Total Amount of Shares and Deposits
547,340,275
Total Shares and Deposits < 1 Year
486,095,999
Total Shares and Deposits 1 3 Years
51,070,910
Total Shares and Deposits > 3 Years
10,173,366
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
41,643,021
Total Uninsured Shares and Deposits > $250K (F+J)
41,643,021
Total Insured Shares and Deposits > $250K (item 17 less item K)
505,697,254
Total Interest Expense (Sum of items 6 8)
5,058,414
Share Certificates
3,801
Number of Accounts for Share Drafts
15,275
IRA KEOGH Accounts
749
Number of Accounts for Regular Shares
31,089
Non Member Deposits
86
Money Market Shares
1,459
Net Income (unless the amount is already included in Undivided Earnings)
2,916,678
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)
48,877,679
Total Liabilities
549,852,857
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Homeland 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 Homeland Credit Union
Frequently Asked Questions About Homeland Credit UnionDoes Homeland Credit Union offer CDs?Yes. Homeland Credit Union current CD rates include its 60 Month Share and IRA Jumbo CDs at 4.65% APY, its 48 Month Share and IRA Jumbo CDs at 4.63% APY and its 35 Month Share and IRA Jumbo CDs at 4.61% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Homeland Credit Union NCUA insured?Yes. Homeland 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 Homeland Credit Union?The highest Homeland Credit Union CD rate is its 60 Month Share and IRA Jumbo CDs at 4.65% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Homeland Credit Union offer?Homeland Credit Union CD rates are 4.12% APY for a 12 month CD, 4.28% APY for an 18 month CD, 4.44% APY for a 2 year CD, 4.58% APY for a 30 month CD, 4.61% APY for a 35 month CD, 4.63% APY for a 4 year CD and 4.55% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Homeland Credit Union for its full lineup. What is the highest savings rate at Homeland Credit Union?The highest Homeland Credit Union savings rate is its Regular Savings at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Homeland Credit Union?The lowest Homeland Credit Union auto loan rate is its Auto Loan - Model Year 2025-2026 at 4.19% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Homeland Credit Union?The lowest Homeland Credit Union personal loan rate is its Unsecured/Vacation/Christmas Loans at 9.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Homeland Credit Union?The lowest Homeland Credit Union credit card APR is its Visa Platinum Credit Card at 10.00% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Homeland Credit Union operate?Homeland 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 Homeland Credit Union?Yes, to access services at Homeland 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, Homeland 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, Homeland Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Homeland Credit Union offer online and mobile banking?Most modern institutions like Homeland 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.homelandcu.com. 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 Homeland Credit Union rates compare?Homeland Credit Union's CD rates are 58% higher than the MonitorBankRates national average, and it has an A+ health rating. Homeland Credit Union's top rates are its 60 Month Share and IRA Jumbo CDs at 4.65% APY, its Regular Savings at 0.10% APY, its Unsecured/Vacation/Christmas Loans at 9.99% APR and its Visa Platinum Credit Card at 10.00% APR, verified by MonitorBankRates on October 29, 2026. Current Homeland Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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