What are the current interest rates at Hughes Federal Credit Union?

Current rates for Hughes Federal Credit Union include: 12-Month CD: 2.53%, 24-Month CD: 2.33%, Savings: 1.77%

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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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Hughes Federal Credit Union

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Hughes Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Hughes Federal Credit Union?

Yes, to access services at Hughes 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hughes Federal 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 12, 2026

Hughes Federal Credit Union's top rates as of October 12, 2026 are 3.77% APY on its 12 Month CD, 1.77% APY on savings, 0.50% APY on checking, 6.99% on its FHA Loan (Purchase) mortgage, rv, boat and powersport loans from 6.99% APR, and credit cards from 9.50% APR, according to rates verified by MonitorBankRates. Other Hughes Federal Credit Union CD rates include 12 Month IRA CD Account at 3.77%, 12 Month CD at 3.72%, and 12 Month IRA CD Account at 3.72%. Other Hughes Federal Credit Union mortgage rates include 15-Year Conventional Loan (Purchase) at 7.00%, 30-Year Conventional Loan (Purchase) at 7.62%, and VA Loan (Purchase) at 7.62%. MonitorBankRates evaluates the financial stability of Hughes Federal Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.97%. Rates last updated and verified on 10/12/2026.

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

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

15.97%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Hughes Federal Credit Union
Wetmore Branch

971 W Wetmore Rd
Tucson, AZ 85705-1551

https://www.hughesfcu.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.

Hughes Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	-	3.77%	12 months
Min Deposit $99,000 Min Balance $99,000 Details Balance: $99,000 minimum; Certificate Account Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.67% → 3.77% ▲ 0.10 pts · high 3.77% / low 3.67% Oct 12, 20263.77%▲ from 3.67% Sep 12, 20263.67%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
12 Month IRA Certificate Account	3.70%	3.77%	12 months
Min Balance $99,000 Details Balance: $99,000 and over Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.77% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
12 Month Certificate	-	3.72%	12 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 minimum; Certificate Account Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.67% → 3.72% ▲ 0.05 pts · high 3.72% / low 3.67% Oct 12, 20263.72%▲ from 3.67% Sep 12, 20263.67%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
12 Month IRA Certificate Account	3.65%	3.72%	12 months
Min Balance $50,000 Details Balance: $50,000 - $98,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.72% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
12 Month Certificate	-	3.67%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 minimum; Certificate Account Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.67% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
12 Month IRA Certificate Account	3.60%	3.67%	12 months
Min Balance $1,000 Details Balance: $1,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.67% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
24 Month Certificate	-	3.56%	24 months
Min Deposit $99,000 Min Balance $99,000 Details Balance: $99,000 minimum; Certificate Account Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.56% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
24 Month IRA Certificate Account	3.50%	3.56%	24 months
Min Balance $99,000 Details Balance: $99,000 and over Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.56% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
24 Month Certificate	-	3.51%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 minimum; Certificate Account Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.51% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
24 Month IRA Certificate Account	3.45%	3.51%	24 months
Min Balance $50,000 Details Balance: $50,000 - $98,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.51% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
24 Month Certificate	-	3.46%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 minimum; Certificate Account Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.46% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
24 Month IRA Certificate Account	3.40%	3.46%	24 months
Min Balance $1,000 Details Balance: $1,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.46% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
6 Month Certificate	-	3.41%	6 months
Min Deposit $99,000 Min Balance $99,000 Details Balance: $99,000 minimum; Certificate Account Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.41% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
6 Month Certificate	-	3.35%	6 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 minimum; Certificate Account Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.35% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
36 Month Certificate	-	3.30%	36 months
Min Deposit $99,000 Min Balance $99,000 Details Balance: $99,000 minimum; Certificate Account Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.30% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
36 Month IRA Certificate Account	3.25%	3.30%	36 months
Min Balance $99,000 Details Balance: $99,000 and over Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.30% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
6 Month Certificate	-	3.30%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 minimum; Certificate Account Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.30% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
36 Month Certificate	-	3.25%	36 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 minimum; Certificate Account Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
36 Month IRA Certificate Account	3.20%	3.25%	36 months
Min Balance $50,000 Details Balance: $50,000 - $98,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
36 Month Certificate	-	3.20%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 minimum; Certificate Account Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.20% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
36 Month IRA Certificate Account	3.15%	3.20%	36 months
Min Balance $1,000 Details Balance: $1,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.20% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
12 Month Youth Certificate Account	2.50%	2.53%	12 Month
Min Balance $100 Details Term Share; Maximum Balance: Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.53% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
24 Month Youth Certificate Account	2.30%	2.33%	24 Month
Min Balance $100 Details Term Share; Maximum Balance: Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.33% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
36 Month Youth Certificate Account	2.15%	2.17%	36 Month
Min Balance $100 Details Term Share; Maximum Balance: Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.17% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
6 Month Youth Certificate Account	2.00%	2.02%	6 Month
Min Balance $100 Details Term Share; Maximum Balance: Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.02% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
29 Month Certificate	-	0.05%	29 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 minimum; Certificate Account Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
29 Month Certificate	-	0.05%	29 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 minimum; Certificate Account Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
29 Month Certificate	-	0.05%	29 months
Min Deposit $99,000 Min Balance $99,000 Details Balance: $99,000 minimum; Certificate Account Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%

Hughes Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Savings	1.75%	1.77%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.77% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Money Market Savings	1.50%	1.51%
Min Balance $150,000 Details Balance: $150,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.51% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Money Market Savings	1.25%	1.26%
Min Balance $75,000 Details Balance: $75,000 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.26% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Health Savings Account	1.15%	1.16%
Details Prospective Dividend Rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.16% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Money Market Savings	1.00%	1.01%
Min Balance $1,000 Details Balance: $1,000 - $74,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.01% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Daily Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0.01 and over Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Holiday Club Savings	0.05%	0.05%
Details Minimum Balance: Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Main Share Savings	0.05%	0.05%
Min Balance $5 Details Balance: $5.00 and over Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
You Name It Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0.01 and over Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%

Hughes Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings	1.75%	1.77%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.77% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Money Market Savings	1.50%	1.51%
Min Balance $150,000 Details Balance: $150,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.51% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Money Market Savings	1.25%	1.26%
Min Balance $75,000 Details Balance: $75,000 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.26% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Money Market Savings	1.00%	1.01%
Min Balance $1,000 Details Balance: $1,000 - $74,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.01% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%

Hughes Federal Credit Union Checking Rates

Product	Rate	APY
Checking PLUS	0.50%	0.50%
Details Prospective Dividend Rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Checking	0.05%	0.05%
Details Prospective Dividend Rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%

Hughes Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
FHA Loan (Purchase)	-	-	6.99%
Details Rate Type: Fixed; Effective Date 10-09-2026 Last Updated 10/12/2026 Rate History 6 changes since Sep 12, 2026 · 6.49% → 6.99% ▲ 0.50 pts · high 7.13% / low 6.49% Oct 12, 20266.99%▼ from 7.13% Oct 8, 20267.13%▲ from 6.88% Oct 4, 20266.88%▼ from 7.13% Oct 2, 20267.13%▲ from 6.88% Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
15-Year Conventional Loan (Purchase)	-	-	7.00%
Details Rate Type: Fixed; Effective Date 10-09-2026 Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 6.63% → 7.00% ▲ 0.38 pts · high 7.00% / low 6.63% Sep 25, 20267.00%▲ from 6.99% Sep 20, 20266.99%▲ from 6.63% Sep 12, 20266.63%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
30-Year Conventional Loan (Purchase)	-	-	7.625%
Details Rate Type: Fixed; Effective Date 10-09-2026 Last Updated 10/12/2026 Rate History 4 changes since Sep 12, 2026 · 7.25% → 7.63% ▲ 0.38 pts · high 8.00% / low 7.25% Oct 4, 20267.63%▼ from 8.00% Oct 2, 20268.00%▲ from 7.63% Sep 25, 20267.63%▲ from 7.49% Sep 20, 20267.49%▲ from 7.25% Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
VA Loan (Purchase)	-	-	7.625%
Details Rate Type: Fixed; Effective Date 10-09-2026 Last Updated 10/12/2026 Rate History 3 changes since Sep 12, 2026 · 6.99% → 7.63% ▲ 0.63 pts · high 7.75% / low 6.99% Oct 4, 20267.63%▼ from 7.75% Sep 25, 20267.75%▲ from 7.38% Sep 20, 20267.38%▲ from 6.99% Sep 12, 20266.99%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%

Hughes Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit (<80% Loan-to-Value)	-	-	7.75%
Details Rate Type: Adjustable; Property financed must be in Arizona Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.75% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Home Equity Line of Credit (>80% Loan-to-Value)	-	-	8.75%
Details Rate Type: Adjustable; Property financed must be in Arizona Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.75% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%

Hughes Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Car & Truck (New & Used) Loan	-	-	5.95%	Up to 7 years
Details Term: Up to 7 years (84 months); As Low As; Fixed APR; lowest rate shown is for well-qualified borrowers; no prepayment penalties on auto loans Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.95% APR · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Credit Builder Vehicle Loan	-	-	13.95%
Details Credit Builder Loans; Rate Type: Fixed Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 13.95% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
First Time Buyer Auto & Truck	-	-	13.95%
Details Vehicles (New & Used); Rate Type: Fixed Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 13.95% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%

Hughes Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat, Jet Ski & Other Personal Watercraft Loan	-	6.99%	Up to 180 months
Details As Low As; Fixed APR; Term up to 15 years (180 months); New and used boats, jet skis, and personal watercraft; refinance and cash-out equity options available; lowest rate shown is for well-qualified borrowers Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 6.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Boat/Boat Trailer Loan	-	6.99%
Details As Low As; Vehicles (New & Used); Rate Type: Fixed Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 6.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Motorhome, Camper, Travel Trailer, & 5th Wheel Loan	-	6.99%
Details As Low As; Vehicles (New & Used); Rate Type: Fixed Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 6.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Motorhome, Fifth Wheel & Other RV Loans	-	6.99%	Up to 180 months
Details As Low As; APR shown is the lowest rate for well-qualified borrowers; fixed rate; term up to 15 years (180 months); financing for new and used RVs Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 11.20% → 6.99% ▼ 4.21 pts · high 11.20% / low 6.99% Oct 4, 20266.99%▼ from 11.20% Sep 12, 202611.20%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Motorcycle, Powersports & ATV Loans	-	7.49%	Up to 84 months
Details As Low As; Fixed APR; lowest rate shown is for well-qualified borrowers; Term up to 7 years (84 months); new and used motorcycles, ATVs and powersports vehicles Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 10.70% → 7.49% ▼ 3.21 pts · high 10.70% / low 7.49% Oct 4, 20267.49%▼ from 10.70% Sep 12, 202610.70%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Motorcycles & ATV Loan	-	7.49%
Details As Low As; Vehicles (New & Used); Rate Type: Fixed Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
First-Time Buyer Motorcycle Loan	-	15.49%
Details Vehicles (New & Used); Rate Type: Fixed Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 15.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%

Hughes Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Credit Card	-	9.50%
Details As Low As; Rate Type: Adjustable Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.50% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%

Hughes Federal Credit Union Personal Loan Rates

Product	APR	Term
Boat, Jet Ski & Other Personal Watercraft Loan	6.99%	Up to 180 months
Details As Low As; Fixed APR; Term up to 15 years (180 months); New and used boats, jet skis, and personal watercraft; refinance and cash-out equity options available; lowest rate shown is for well-qualified borrowers Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 6.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Signature Loan	11.75%
Details As Low As; Unsecured Loans; Rate Type: Fixed Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 15.45% → 11.75% ▼ 3.70 pts · high 15.45% / low 11.75% Oct 4, 202611.75%▼ from 15.45% Sep 12, 202615.45%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Credit Builder Signature Loan	18.00%
Details Credit Builder Loans; Rate Type: Fixed Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 17.00% → 18.00% ▲ 1.00 pts · high 18.00% / low 17.00% Oct 4, 202618.00%▲ from 17.00% Sep 12, 202617.00%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%

Hughes Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Land Line of Credit	-	-	9.75%
Details Rate Type: Adjustable Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.75% APR · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Line of Credit	-	-	12.75%
Details As Low As; Unsecured Loans; Rate Type: Adjustable Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 16.75% → 12.75% ▼ 4.00 pts · high 16.75% / low 12.75% Oct 4, 202612.75%▼ from 16.75% Sep 12, 202616.75%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Rental Property Line of Credit	-	-	9.75%
Details Rate Type: Adjustable Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.75% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Special Collateral Loan	-	-	6.99%
Details As Low As; Vehicles (New & Used); Rate Type: Fixed Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 6.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Summer/Holiday Loans	-	-	9.75%
Details As Low As; Unsecured Loans; Rate Type: Fixed Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 11.50% → 9.75% ▼ 1.75 pts · high 11.50% / low 9.75% Oct 4, 20269.75%▼ from 11.50% Sep 12, 202611.50%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Vacation Property Line of Credit	-	-	9.75%
Details Rate Type: Adjustable Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.75% APR · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Money Market Savings	-	-	1.01%
Min Balance $1,000 Details Balance: $1,000 Minimum Balance tier; Effective Date: 10-01-2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.01% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Money Market Savings	-	-	1.26%
Min Balance $75,000 Details Balance: $75,000 Minimum Balance tier; Effective Date: 10-01-2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.26% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Money Market Savings	-	-	1.51%
Min Balance $150,000 Details Balance: $150,000 Minimum Balance tier; Effective Date: 10-01-2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.51% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%
Money Market Savings	-	-	1.77%
Min Balance $250,000 Details Balance: $250,000 Minimum Balance tier; Effective Date: 10-01-2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.77% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 15.97%

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.
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Financial Health History

Hughes Federal Credit Union’s Texas Ratio rose from 10.85% in Q3 2023 to 15.97% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$2.6B	15.97%	4.9	A-
March 31, 2026	$2.6B	13.91%	5.0	A
December 31, 2025	$2.6B	20.89%	4.5	B
September 30, 2025	$2.6B	14.56%	5.0	A-
June 30, 2025	$2.6B	10.89%	5.0	A
March 31, 2025	$2.5B	10.26%	5.0	A
December 31, 2024	$2.3B	13.84%	5.0	A
September 30, 2024	$2.3B	11.91%	5.0	A
June 30, 2024	$2.3B	10.84%	5.0	A
March 31, 2024	$2.3B	10.23%	5.0	A
December 31, 2023	$2.0B	12.44%	5.0	A
September 30, 2023	$1.9B	10.85%	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 Hughes 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 Hughes 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 Hughes Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hughes Federal Credit Union

Website https://www.hughesfcu.org

Address 971 W Wetmore Rd, Tucson, AZ 85705-1551

Phone 520-794-8341

Fax 520-205-5699

President Fabian Cordova

CEO Andrew Britton

Full-Time Employees 339

Part-Time Employees 3

Branch Locations 7

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.9 / 5.0 ★

Overall Health & Safety Grade

A- (91/100)

Texas Ratio

15.97%

Return on Assets (ROA)

0.0598%

Return on Equity (ROE)

0.6748%

Non-Performing Loans Ratio (NPL)

2.28%

Total Assets

2,599,376,017

Total Amount of Shares and Deposits

2,351,843,299

Total Shares and Deposits < 1 Year

2,126,788,115

Total Shares and Deposits 1 3 Years

225,055,184

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

223,265,999

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

223,265,999

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

2,128,577,300

Total Interest Expense (Sum of items 6 8)

31,269,752

Share Certificates

11,816

Number of Accounts for Share Drafts

57,689

IRA KEOGH Accounts

3,196

Number of Accounts for Regular Shares

218,399

All other shares

751

Non Member Deposits

Money Market Shares

14,842

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)

304,107,547

Total Liabilities

2,370,807,240

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Hughes Federal Credit Union

How many branches does Hughes Federal Credit Union operate?

Hughes 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 Hughes Federal Credit Union?

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

Does Hughes Federal Credit Union offer online and mobile banking?

Most modern institutions like Hughes 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.hughesfcu.org.

Current Hughes Federal Credit Union Rates

12-Month CD2.53%
24-Month CD2.33%
Savings1.77%

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

Compare to Other Credit Unions

Hughes Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Hughes Federal Credit Union Texas Ratio

Hughes Federal Credit Union Health Trend

Hughes Federal Credit Union CD Rates

Hughes Federal Credit Union Savings Rates

Hughes Federal Credit Union Money Market Rates

Hughes Federal Credit Union Checking Rates

Hughes Federal Credit Union Mortgage Rates

Hughes Federal Credit Union Home Equity & HELOC

Hughes Federal Credit Union Auto Loan Rates

Hughes Federal Credit Union RV, Boat and Powersport Loan Rates

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Hughes Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Customer Reviews

Frequently Asked Questions About Hughes Federal Credit Union

How many branches does Hughes Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Hughes Federal Credit Union offer online and mobile banking?

Current Hughes Federal Credit Union Rates

Compare to Other Credit Unions