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Advertiser Disclosure
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 Hughes Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 28, 2026
Hughes Federal Credit Union's 12 Month CD Account rates are at 3.77%, 24 Month CD Account rates are at 3.56%, 6 Month CD Account rates are at 3.41%, 36 Month CD Account rates are at 3.30%, 29 Month CD Account rates are at 0.05%. Hughes Federal Credit Union's savings rates are at 1.77%. Hughes Federal Credit Union's checking rates are as high as 0.50%. Hughes Federal Credit Union's 15-Year Conventional Loan (Purchase) rates are at 6.75%, FHA Loan (Purchase) rates are at 6.88%, 30-Year Conventional Loan (Purchase) rates are at 7.38%, VA Loan (Purchase) rates are at 7.62%. Hughes Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.99%. Hughes Federal Credit Union's Credit Card Rates are at 9.50%. Hughes Federal Credit Union's CD rates are 22% higher than the MonitorBankRates national average, and it has an A- health rating. 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 10/28/2026. 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. Hughes Federal Credit Union
Wetmore Branch 971 W Wetmore Rd
https://www.hughesfcu.org Tucson, AZ 85705-1551  Customer Reviews
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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
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
Hughes Federal Credit Union Credit Card Rates
Hughes Federal Credit Union Personal Loan Rates
Hughes Federal Credit Union Other Rates
Financial Health HistoryHughes 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)
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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 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
FinancialsMonitorBankRates 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
9
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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Add Your Rating and Review for Hughes Federal Credit Union
Frequently Asked Questions About Hughes Federal Credit UnionDoes Hughes Federal Credit Union offer CDs?Yes. Hughes Federal Credit Union current CD rates include its 12 Month CD Account at 3.77% APY, its 24 Month CD Account at 3.56% APY and its 6 Month CD Account at 3.41% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Hughes Federal Credit Union NCUA insured?Yes. Hughes 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 Hughes Federal Credit Union?The highest Hughes Federal Credit Union CD rate is its 12 Month CD Account at 3.77% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Hughes Federal Credit Union offer?Hughes Federal Credit Union CD rates are 3.41% APY for a 6 month CD, 3.77% APY for a 12 month CD, 3.56% APY for a 2 year CD, 0.05% APY for a 29 month CD and 3.30% APY for a 3 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Hughes Federal Credit Union for its full lineup. What is the highest savings rate at Hughes Federal Credit Union?The highest Hughes Federal Credit Union savings rate is its Health Savings Account at 1.16% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at Hughes Federal Credit Union?The highest Hughes Federal Credit Union money market rate is its Money Market Savings at 1.77% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest checking rate at Hughes Federal Credit Union?The highest Hughes Federal Credit Union checking rate is its Checking PLUS at 0.50% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest mortgage rate at Hughes Federal Credit Union?The lowest Hughes Federal Credit Union mortgage rate is its 15-Year Conventional Loan (Purchase) at 6.75% APR, verified by MonitorBankRates as of October 28, 2026. Hughes Federal Credit Union mortgage rates are 7.375% APR for a 30 year mortgage and 6.75% APR for a 15 year mortgage. What is the lowest auto loan rate at Hughes Federal Credit Union?The lowest Hughes Federal Credit Union auto loan rate is its Car & Truck Loan (New & Used) at 5.95% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at Hughes Federal Credit Union?The lowest Hughes Federal Credit Union personal loan rate is its Boat, Jet Ski & Other Personal Watercraft Loan at 6.99% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest credit card APR at Hughes Federal Credit Union?The lowest Hughes Federal Credit Union credit card APR is its Visa Platinum Credit Card at 9.50% APR, verified by MonitorBankRates as of October 28, 2026. 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. 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 Hughes Federal Credit Union rates compare?Hughes Federal Credit Union's CD rates are 22% higher than the MonitorBankRates national average, and it has an A- health rating. Hughes Federal Credit Union's top rates are its 12 Month CD Account at 3.77% APY, its Money Market Savings at 1.77% APY, its Checking PLUS at 0.50% APY, its 15-Year Conventional Loan (Purchase) at 6.75%, its Boat, Jet Ski & Other Personal Watercraft Loan at 6.99% APR and its Visa Platinum Credit Card at 9.50% APR, verified by MonitorBankRates on October 28, 2026. Current Hughes Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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