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Honda Federal Credit Union

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Honda Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Honda Federal Credit Union?

Current rates for Honda Federal Credit Union include: 12-Month CD: 3.25%, 24-Month CD: 3.30%, 60-Month CD: 4.60%, Savings: 1.10%, MMA: 0.90%

Q: What CD terms does Honda Federal Credit Union offer?

Honda Federal Credit Union CD rates are 3.25% APY for a 12 month CD, 4.00% APY for a 20 month CD, 3.30% APY for a 2 year CD and 4.60% 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 Honda Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Honda Federal Credit Union's 5 Year Savings CD - Executive rates are at 4.60%, 5 Year Savings CD - Premier rates are at 4.60%, 5 Year Savings CD - Regular rates are at 4.60%, Savings CD - 5 Years rates are at 4.60%, 20 Month Flex Executive CD - Limited Time Offer rates are at 4.00%. Honda Federal Credit Union's savings rates are at 1.10%. Honda Federal Credit Union's money market rates are at 0.90%. Honda Federal Credit Union's checking rates are as high as 0.25%. Honda Federal Credit Union's Personal Loan Rates are as low as 11.24%. Honda Federal Credit Union's Credit Card Rates are at 9.90%. Honda Federal Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Honda Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.74%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 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

2.74%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Honda Federal Credit Union
Hamilton Office

19701 Hamilton Ave ste 130
Torrance, CA 90502-1368

https://www.hondafcu.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.

Honda Federal Credit Union CD Rates

Product	Rate	APY	Term
5 Year Executive	-	4.60%	5 Year
Min Balance $100,000 Details Minimum: $100,000; APY based on minimum deposits of at least $500 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
5 Year Roth Executive IRA Certificate	4.50%	4.60%	5 Years
Min Deposit $100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60% Oct 15, 20264.60%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
5 Year Roth IRA Certificate	4.50%	4.60%	5 Years
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40% Oct 15, 20264.60%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
5 Year Roth Premier IRA Certificate	4.50%	4.60%	5 Years
Min Deposit $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50% Oct 15, 20264.60%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
5 Year Savings Certificate - Executive	4.50%	4.60%	5 Years
Min Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
5 Year Savings Certificate - Premier	4.50%	4.60%	5 Years
Min Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
5 Year Savings Certificate - Regular	4.50%	4.60%	5 Years
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
5 Year Traditional Executive IRA Certificate	4.50%	4.60%	5 Years
Min Deposit $100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60% Oct 15, 20264.60%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
5 Year Traditional IRA Certificate	4.50%	4.60%	5 Years
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40% Oct 15, 20264.60%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
5 Year Traditional Premier IRA Certificate	4.50%	4.60%	5 Years
Min Deposit $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50% Oct 15, 20264.60%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Savings Certificate - 5 Years	4.50%	4.60%	5 Years
Min Deposit $500 Details Limited Time Offer Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
20 Month Executive	-	4.00%	20 Month
Min Balance $100,000 Details Minimum: $100,000; APY based on minimum deposits of at least $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
20 Month Flex Executive Certificate - Limited Time Offer	3.92%	4.00%	20 Months
Min Deposit $100,000 Details Limited Time Offer Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
20 Month Flex Premier Certificate - Limited Time Offer	3.82%	3.90%	20 Months
Min Deposit $10,000 Details Limited Time Offer Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
10 Month Savings Certificate - Flex Executive	3.73%	3.80%	10 Months
Min Deposit $100,000 Details Flex Savings Certificate; penalty-free deposits and withdrawals in a 10-day window at month 5 or 10 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
2 Year Roth Executive IRA Certificate	3.73%	3.80%	2 Years
Min Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
2 Year Traditional Executive IRA Certificate	3.73%	3.80%	2 Years
Min Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
20 Month Flex Regular Certificate - Limited Time Offer	3.73%	3.80%	20 Months
Min Deposit $1,000 Details Limited Time Offer Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
10 Month Savings Certificate - Flex Premier	3.63%	3.70%	10 Months
Min Deposit $10,000 Details Flex Savings Certificate; penalty-free deposits and withdrawals in a 10-day window at month 5 or 10 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
2 Year Roth Premier IRA Certificate	3.63%	3.70%	2 Years
Min Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
2 Year Traditional Premier IRA Certificate	3.63%	3.70%	2 Years
Min Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
10 Month Savings Certificate - Flex Regular	3.53%	3.60%	10 Months
Min Deposit $1,000 Details Flex Savings Certificate; penalty-free deposits and withdrawals in a 10-day window at month 5 or 10 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
2 Year Roth IRA Certificate	3.53%	3.60%	2 Years
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
2 Year Traditional IRA Certificate	3.53%	3.60%	2 Years
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Savings Certificate - 2 Years	3.53%	3.60%	2 Years
Min Deposit $500 Details Limited Time Offer Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
3 Year Roth Executive IRA Certificate	3.48%	3.55%	3 Years
Min Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
3 Year Savings Certificate - Executive	3.48%	3.55%	3 Years
Min Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
3 Year Traditional Executive IRA Certificate	3.48%	3.55%	3 Years
Min Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
2 Year Savings Certificate - Executive	3.44%	3.50%	2 Years
Min Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
1 Year Roth Executive IRA Certificate	3.39%	3.45%	1 Year
Min Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
1 Year Savings Certificate - Executive	3.39%	3.45%	1 Year
Min Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
1 Year Traditional Executive IRA Certificate	3.39%	3.45%	1 Year
Min Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
3 Year Roth Premier IRA Certificate	3.39%	3.45%	3 Years
Min Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
3 Year Savings Certificate - Premier	3.39%	3.45%	3 Years
Min Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
3 Year Traditional Premier IRA Certificate	3.39%	3.45%	3 Years
Min Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
6 Month Savings Certificate - Executive	3.39%	3.45%	6 Months
Min Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
2 Year Savings Certificate - Premier	3.34%	3.40%	2 Years
Min Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
1 Year Roth Premier IRA Certificate	3.29%	3.35%	1 Year
Min Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
1 Year Savings Certificate - Premier	3.29%	3.35%	1 Year
Min Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
1 Year Traditional Premier IRA Certificate	3.29%	3.35%	1 Year
Min Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
3 Year Roth IRA Certificate	3.29%	3.35%	3 Years
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
3 Year Savings Certificate - Regular	3.29%	3.35%	3 Years
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
3 Year Traditional IRA Certificate	3.29%	3.35%	3 Years
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
6 Month Savings Certificate - Premier	3.29%	3.35%	6 Months
Min Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Savings Certificate - 3 Years	3.29%	3.35%	3 Years
Min Deposit $500 Details Limited Time Offer Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
2 Year Savings Certificate - Regular	3.24%	3.30%	2 Years
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
1 Year Roth IRA Certificate	3.19%	3.25%	1 Year
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
1 Year Savings Certificate - Regular	3.19%	3.25%	1 Year
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
1 Year Traditional IRA Certificate	3.19%	3.25%	1 Year
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
6 Month Savings Certificate - Regular	3.19%	3.25%	6 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Honda Federal Credit Union Savings Rates

Product	Rate	APY
Holiday Savings	1.10%	1.10%
Min Deposit $0 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
IRA Savings	0.35%	0.35%
Min Deposit $5 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Premier Savings	0.25%	0.25%
Min Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Regular Savings	0.10%	0.10%
Min Deposit $5 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Honda Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.90%	0.90%
Min Balance $50,000 Details Balance: $50,000 or more Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Money Market	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Money Market	0.70%	0.70%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Money Market	0.60%	0.60%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Honda Federal Credit Union Checking Rates

Product	Rate	APY
Checking - Premier	0.25%	0.25%
Min Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Checking - Interest	0.10%	0.10%
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Regular Checking	0.00%	0.00%
Min Balance $0 Details Checking kept simple; Monthly Fee: No monthly fee Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Honda Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Automobiles (2025 and Newer)	-	-	4.49%	48 Months
Details As Low As; Rates may vary Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
New Automobiles (2025 and Newer)	-	-	4.99%	66 Months
Details As Low As; Rates may vary Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Used Automobiles (2021 - 2024)	-	-	5.24%	66 Months
Details As Low As; Model Year: 2021 - 2024 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
New Automobiles (2025 and Newer)	-	-	5.49%	75 Months
Details As Low As; Rates may vary Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
New Automobiles (2025 and Newer)	-	-	5.99%	84 Months
Details As Low As; Rates may vary Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Used Automobiles (2021 - 2024)	-	-	6.04%	75 Months
Details As Low As; Model Year: 2021 - 2024 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.04% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
New Automobiles (2025 and Newer)	-	-	6.49%	96 Months
Details As Low As; Rates may vary Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Used Automobiles (2021 - 2024)	-	-	6.84%	84 Months
Details As Low As; Model Year: 2021 - 2024 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.84% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Honda Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Dirt Bikes, ATV, PWC Loan	-	6.49%	66 Months
Details As Low As; Estimated payment per $1000: $18.16 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorcycles - 66 Months Loan	-	6.49%	66 Months
Details As Low As; APR* (As low as); Model Year: 2021 - 2024 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Dirt Bikes, ATV, PWC Loan	-	6.99%	75 Months
Details As Low As; Estimated payment per $1000: $16.60 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Motorcycles - 75 Months Loan	-	6.99%	75 Months
Details As Low As; APR* (As low as); Model Year: 2021 - 2024 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boats/RV Loan	-	7.49%	72 Months
Details As Low As; APR = Annual percentage rate. Rates may vary. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boats/RV Loan	-	7.99%	144 Months
Details As Low As; APR = Annual percentage rate. Rates may vary. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Boats/RV Loan	-	8.49%	180 Months
Details As Low As; APR = Annual percentage rate. Rates may vary. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Utility Trailers, Tractors, Snowmobiles - 60 Months Loan	-	9.49%	60 Months
Details As Low As; APR* (As low as); Rates may vary Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Utility Trailers, Tractors, Snowmobiles - 84 Months Loan	-	9.99%	84 Months
Details As Low As; APR* (As low as); Rates may vary Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Honda Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Gold	-	9.90%
Details As Low As; Credit Limit: $5,000 - $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Visa Classic	-	10.50%
Details As Low As; Credit Limit: $500 - $7,500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Honda Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loan - 60 Months	11.24%	60 Months
Details As Low As; APR* (As low as); Estimated payment per $1,000: $22.06 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 11.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

Honda Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Equity Advantage Line of Credit	-	-	6.75%
Details As Low As; Loan to Value: 80%; Variable rate plan, APR may change quarterly. Maximum APR is 18.00%. Minimum APR is 3.50%. Must carry insurance on the property. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Equity Advantage Line of Credit	-	-	7.75%
Details As Low As; Loan to Value: 90%; Variable rate plan, APR may change quarterly. Maximum APR is 18.00%. Minimum APR is 3.50%. Must carry insurance on the property. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Equity Advantage Line of Credit	-	-	8.25%
Details As Low As; Loan to Value: 100%; Variable rate plan, APR may change quarterly. Maximum APR is 18.00%. Minimum APR is 3.50%. Must carry insurance on the property. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Equity One - Fixed	-	-	7.25%
Details As Low As; Loan to Value: 80% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Equity One - Fixed	-	-	8.25%
Details As Low As; Loan to Value: 90% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Equity One - Fixed	-	-	9.25%
Details As Low As; Loan to Value: 100% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Coverdell Education	4.50%	-	4.60%	5 Years
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40% Oct 13, 20264.60%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Coverdell Education	3.29%	-	3.35%	3 Years
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Coverdell Education	3.53%	-	3.60%	2 Years
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Coverdell Education	3.19%	-	3.25%	1 Year
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Coverdell Education Savings Certificate	3.25%	-	3.25%	1 year to 5 years
Min Deposit $500 Details Published rate range: 3.25% to 4.60%. Save for education expenses with tax-free earnings. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Flex Executive	3.92%	-	4.00%	20 Months
Min Deposit $100,000 Details Limited Time Offer; Flex Savings Certificate; Dividend Rate 3.92% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Flex Premier	3.82%	-	3.90%	20 Months
Min Deposit $10,000 Details Limited Time Offer; Flex Savings Certificate; Dividend Rate 3.82% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Flex Regular	3.73%	-	3.80%	20 Months
Min Deposit $1,000 Details Limited Time Offer; Flex Savings Certificate; Dividend Rate 3.73% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Investor's Advantage	1.00%	-	1.00%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

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

Honda Federal Credit Union’s Texas Ratio fell from 3.42% in Q3 2023 to 2.74% 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

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	$1.2B	2.74%	5.0	A+
March 31, 2026	$1.2B	2.72%	5.0	A+
December 31, 2025	$1.2B	3.42%	5.0	A+
September 30, 2025	$1.2B	2.72%	5.0	A+
June 30, 2025	$1.2B	2.51%	5.0	A+
March 31, 2025	$1.2B	2.62%	5.0	A+
December 31, 2024	$1.2B	3.61%	5.0	A+
September 30, 2024	$1.2B	2.88%	5.0	A+
June 30, 2024	$1.2B	2.71%	5.0	A+
March 31, 2024	$1.1B	2.84%	5.0	A+
December 31, 2023	$1.1B	4.12%	5.0	A+
September 30, 2023	$1.1B	3.42%	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 Honda 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 Honda 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 Honda Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Honda Federal Credit Union

Website https://www.hondafcu.org

Address 19701 Hamilton Ave ste 130, Torrance, CA 90502-1368

Phone 800-634-6632

Fax 310-217-8211

President Carl Coe

CEO Kenneth Fischbach

Full-Time Employees 187

Part-Time Employees 3

Branch Locations 13

ATM Locations 12

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

2.74%

Return on Assets (ROA)

0.2102%

Return on Equity (ROE)

2.2629%

Non-Performing Loans Ratio (NPL)

0.34%

Total Assets

1,197,389,105

Total Amount of Shares and Deposits

1,035,292,477

Total Shares and Deposits < 1 Year

962,670,545

Total Shares and Deposits 1 3 Years

66,756,926

Total Shares and Deposits > 3 Years

5,865,007

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

124,317,111

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

124,317,111

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

910,975,366

Total Interest Expense (Sum of items 6 8)

8,962,981

Share Certificates

8,080

Number of Accounts for Share Drafts

47,629

IRA KEOGH Accounts

3,565

Number of Accounts for Regular Shares

93,105

Non Member Deposits

Money Market Shares

2,608

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)

125,995,892

Total Liabilities

1,092,993,455

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Honda 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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 Honda Federal Credit Union

Does Honda Federal Credit Union offer CDs?

Yes. Honda Federal Credit Union current CD rates include its 5 Year Savings CD - Executive at 4.60% APY, its 5 Year Savings CD - Premier at 4.60% APY and its 5 Year Savings CD - Regular at 4.60% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Honda Federal Credit Union NCUA insured?

Yes. Honda 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 Honda Federal Credit Union?

The highest Honda Federal Credit Union CD rate is its 5 Year Executive CD at 4.60% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Honda Federal Credit Union offer?

Honda Federal Credit Union CD rates are 3.25% APY for a 12 month CD, 4.00% APY for a 20 month CD, 3.30% APY for a 2 year CD and 4.60% 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 Honda Federal Credit Union for its full lineup.

What is the highest savings rate at Honda Federal Credit Union?

The highest Honda Federal Credit Union savings rate is its Holiday Savings at 1.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Honda Federal Credit Union?

The highest Honda Federal Credit Union money market rate is its Money Market at 0.90% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Honda Federal Credit Union?

The highest Honda Federal Credit Union checking rate is its Checking - Premier at 0.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Honda Federal Credit Union?

The lowest Honda Federal Credit Union personal loan rate is its Unsecured Loan - 60 Months at 11.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Honda Federal Credit Union?

The lowest Honda Federal Credit Union credit card APR is its Visa Gold Credit Card at 9.90% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Honda Federal Credit Union operate?

Honda 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 Honda Federal Credit Union?

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

Does Honda Federal Credit Union offer online and mobile banking?

Most modern institutions like Honda 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.hondafcu.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 Honda Federal Credit Union rates compare?

Honda Federal Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A+ health rating. Honda Federal Credit Union's top rates are its 5 Year Executive CD at 4.60% APY, its Holiday Savings at 1.10% APY, its Money Market at 0.90% APY, its Checking - Premier at 0.25% APY, its Unsecured Loan - 60 Months at 11.24% APR and its Visa Gold Credit Card at 9.90% APR, verified by MonitorBankRates on October 29, 2026.

Current Honda Federal Credit Union Rates

12-Month CD3.25%
24-Month CD3.30%
60-Month CD4.60%
Savings1.10%
MMA0.90%

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

Compare to Other Credit Unions

Honda Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Honda Federal Credit Union Texas Ratio

Honda Federal Credit Union Health Trend

Honda Federal Credit Union CD Rates

Honda Federal Credit Union Savings Rates

Honda Federal Credit Union Money Market Rates

Honda Federal Credit Union Checking Rates

Honda Federal Credit Union Auto Loan Rates

Honda Federal Credit Union RV, Boat and Powersport Loan Rates

Honda Federal Credit Union Credit Card Rates

Honda Federal Credit Union Personal Loan Rates

Honda Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Honda Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Honda Federal Credit Union

Does Honda Federal Credit Union offer CDs?

Are CDs from Honda Federal Credit Union NCUA insured?

What is the highest CD rate at Honda Federal Credit Union?

What CD terms does Honda Federal Credit Union offer?

What is the highest savings rate at Honda Federal Credit Union?

What is the highest money market rate at Honda Federal Credit Union?

What is the highest checking rate at Honda Federal Credit Union?

What is the lowest personal loan rate at Honda Federal Credit Union?

What is the lowest credit card APR at Honda Federal Credit Union?

How many branches does Honda Federal Credit Union operate?

Is a member application needed to join Honda Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Honda Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Honda Federal Credit Union rates compare?

Current Honda Federal Credit Union Rates

Compare to Other Credit Unions