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KBR Heritage Federal Credit Union

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KBR Heritage Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, KBR Heritage 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: May 15, 2026

You can compare KBR Heritage Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.50%, 6-month share certificate rates at 3.70% and 3-month share certificate rates at 3.90%. Savings rates are at 0.40% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.27%. All these rates can be compared to KBR Heritage Federal Credit Union rates. MonitorBankRates evaluates the financial stability of KBR Heritage Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.44%. Rates were last updated on 05/15/2026.

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

Exceptional Health Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.44%

Excellent Lower than avg

KBR Heritage Federal Credit Union
KBR HERITAGE FCU

601 JEFFERSON ST # KT 02
HOUSTON, TX 77002

https://www.kbrhfcu.org

KBR Heritage Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Card	-	9.90%
Details Fixed Rate Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

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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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for KBR Heritage 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 KBR Heritage 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 KBR Heritage Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name KBR Heritage Federal Credit Union

Website https://www.kbrhfcu.org

Address 601 JEFFERSON ST # KT 02, HOUSTON, TX 77002

Phone 713-753-3022

Fax 713-753-7575

President Timothy Mark

CEO Regina Lancaster

Full-Time Employees 10

Part-Time Employees 0

Branch Locations 1

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.44%

Return on Assets (ROA)

0.8560%

Return on Equity (ROE)

4.1760%

Non-Performing Loans Ratio (NPL)

0.17%

Total Assets

80,219,428

Total Amount of Shares and Deposits

63,361,461

Total Shares and Deposits < 1 Year

62,394,987

Total Shares and Deposits 1 3 Years

966,474

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

3,539,192

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

3,539,192

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

59,822,269

Total Interest Expense (Sum of items 6 8)

329,533

Share Certificates

Number of Accounts for Share Drafts

1,998

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,393

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

13,313,978

Total Liabilities

63,775,110

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

KBR Heritage Federal Credit Union earned the Exceptional Health 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-a-2026.svg"
       alt="MonitorBankRates Exceptional Health 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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Total Reviews

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Frequently Asked Questions About KBR Heritage Federal Credit Union

How many branches does KBR Heritage Federal Credit Union operate?

KBR Heritage 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 KBR Heritage Federal Credit Union?

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

Does KBR Heritage Federal Credit Union offer online and mobile banking?

Most modern institutions like KBR Heritage 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.kbrhfcu.org.