☰

Home›
Credit Unions›
HCSEFCU

iAdvertiser Disclosure

HCSEFCU Rates & Review April 2026

Q: Is HCSEFCU a safe place to deposit money?

Yes, HCSEFCU is considered a safe financial institution. With a Texas Ratio of 3.8239200394231%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does HCSEFCU operate?

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

Q: Is a member application needed to join HCSEFCU?

Yes, to access services at HCSEFCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, HCSEFCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, HCSEFCU 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: April 17, 2026

You can compare HCSEFCU rates to other rates in our database, including 12-month share certificate rates currently at 3.75%, 6-month share certificate rates at 3.00% and 3-month share certificate rates at 3.54%. Savings rates are at 0.04% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 6.17%. All these rates can be compared to HCSEFCU rates. MonitorBankRates evaluates the financial stability of HCSEFCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.82%. Rates were last updated on 04/17/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.82%

Excellent Lower than avg

HCSEFCU
Main Office

105 W Southway Blvd
Kokomo, IN 46902

https://www.hcsefcu.org

Current Rate Availability

We do not have HCSEFCU rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name HCSEFCU

Website https://www.hcsefcu.org

Address 105 W Southway Blvd, Kokomo, IN 46902

Phone 765-453-6688

Fax 765-453-4887

President Kendra Metcalf

CEO Tracy Collins

Full-Time Employees 3

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.82%

Return on Assets (ROA)

0.9312%

Return on Equity (ROE)

5.5622%

Non-Performing Loans Ratio (NPL)

2.35%

Total Assets

31,647,554

Total Amount of Shares and Deposits

26,318,813

Total Shares and Deposits < 1 Year

26,318,812

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

2,211,142

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

2,211,142

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

24,107,671

Total Interest Expense (Sum of items 6 8)

322,545

Share Certificates

606

IRA KEOGH Accounts

174

Number of Accounts for Regular Shares

2,504

All other shares

495

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

276,331

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,723,909

Total Liabilities

26,350,095

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for HCSEFCU yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for HCSEFCU

Frequently Asked Questions About HCSEFCU

Is HCSEFCU a safe place to deposit money?

Yes, HCSEFCU is considered a safe financial institution. With a Texas Ratio of 3.8239200394231%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does HCSEFCU operate?

HCSEFCU 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 HCSEFCU?

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

Does HCSEFCU offer online and mobile banking?

Most modern institutions like HCSEFCU 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.hcsefcu.org.