What are the current interest rates at KBR Heritage Federal Credit Union?

Current rates for KBR Heritage Federal Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.22%, 24-Month CD: 3.33%

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KBR Heritage Federal Credit Union

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KBR Heritage Federal Credit Union Rates & Review October 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 and Verified: October 12, 2026

KBR Heritage Federal Credit Union's top rates as of October 12, 2026 are 3.63% APY on its IRA - 1 Year IRA Term CD, personal loans from 7.70% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other KBR Heritage Federal Credit Union CD rates include 12 month Term CD at 3.55%, 9 month Term CD at 3.51%, and 6 month Term CD at 3.47%. 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 0.96%. Rates last updated and verified on 10/12/2026.

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.

Verified Healthy Q2 2026 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

0.96%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

KBR Heritage Federal Credit Union
KBR HERITAGE FCU

601 JEFFERSON ST # KT-02
HOUSTON, TX 77002

https://www.kbrhfcu.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.

KBR Heritage Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA - 1 Year IRA Term Share Certificate	3.57%	3.63%	1 Year
Min Deposit $2,500 Details IRA Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.62% → 3.63% ▲ 0.01 pts · high 3.63% / low 3.62% Oct 12, 20263.63%▲ from 3.62% Sep 20, 20263.62%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
12 month Term Share Certificate	3.49%	3.55%	12 Months
Min Deposit $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 18, 2026 · 3.54% → 3.55% ▲ 0.01 pts · high 3.55% / low 3.54% Oct 8, 20263.55%▲ from 3.54% Sep 18, 20263.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
9 month Term Share Certificate	3.45%	3.51%	9 months
Min Deposit $2,500 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
6 month Term Share Certificate	3.41%	3.47%	6 Months
Min Deposit $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 18, 2026 · 3.48% → 3.47% ▼ 0.01 pts · high 3.48% / low 3.47% Oct 8, 20263.47%▼ from 3.48% Sep 18, 20263.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
2 Year Term Share Certificate	3.38%	3.43%	2 Year
Min Deposit $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 18, 2026 · 3.41% → 3.43% ▲ 0.02 pts · high 3.43% / low 3.41% Oct 8, 20263.43%▲ from 3.41% Sep 18, 20263.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
IRA - 3 year IRA Term Share Certificate	3.37%	3.43%	3 year
Min Deposit $2,500 Details IRA Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.04% → 3.43% ▲ 0.39 pts · high 3.43% / low 3.04% Oct 12, 20263.43%▲ from 3.04% Sep 20, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
IRA - 2 year IRA Term Share Certificate	3.28%	3.33%	2 year
Min Deposit $2,500 Details IRA Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.31% → 3.33% ▲ 0.02 pts · high 3.33% / low 3.31% Oct 12, 20263.33%▲ from 3.31% Sep 20, 20263.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
91 Days Term Share Certificate	3.26%	3.32%	91 Days
Min Deposit $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 18, 2026 · 3.33% → 3.32% ▼ 0.01 pts · high 3.33% / low 3.32% Oct 8, 20263.32%▼ from 3.33% Sep 18, 20263.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
18 month Term Share Certificate	3.17%	3.22%	18 months
Min Deposit $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 18, 2026 · 3.13% → 3.22% ▲ 0.09 pts · high 3.22% / low 3.13% Oct 8, 20263.22%▲ from 3.13% Sep 18, 20263.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%

KBR Heritage Federal Credit Union Savings Rates

Product	Rate	APY	View More
Regular Share Accounts	0.15%	0.15%
Min Balance $500 Details Balance: $500.01 and above; For 2nd Quarter of 2026 (Paid Quarterly) Last Updated 10/12/2026 Rate History 1 change since Sep 18, 2026 · 0.12% → 0.15% ▲ 0.03 pts · high 0.15% / low 0.12% Oct 4, 20260.15%▲ from 0.12% Sep 18, 20260.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%

KBR Heritage Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity	-	-	6.11%	up to 60 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 6.20% → 6.11% ▼ 0.09 pts · high 6.20% / low 6.11% Oct 2, 20266.11%▼ from 6.20% Sep 17, 20266.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
Home Equity	-	-	6.21%	61 - 120 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 6.23% → 6.21% ▼ 0.02 pts · high 6.23% / low 6.21% Oct 2, 20266.21%▼ from 6.23% Sep 17, 20266.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
Home Equity	-	-	6.28%	121 - 180 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 6.58% → 6.28% ▼ 0.30 pts · high 6.58% / low 6.28% Oct 2, 20266.28%▼ from 6.58% Sep 17, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
Home Equity Personal Loan	-	-	7.70%	Up to 60 months
Details As Low As; Loan amount up to $50,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 7.51% → 7.70% ▲ 0.19 pts · high 7.70% / low 7.51% Oct 4, 20267.70%▲ from 7.51% Sep 14, 20267.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
Home Equity Credit Card - Visa Platinum	-	-	9.90%
Details Visa Platinum Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 9.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%

KBR Heritage Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto - New	-	-	3.74%
Details As Low As; Full coverage insurance required Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 3.64% → 3.74% ▲ 0.10 pts · high 3.74% / low 3.64% Oct 8, 20263.74%▲ from 3.64% Sep 17, 20263.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
Auto - Used	-	-	3.74%
Details As Low As; Full coverage insurance required Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 3.64% → 3.74% ▲ 0.10 pts · high 3.74% / low 3.64% Oct 8, 20263.74%▲ from 3.64% Sep 17, 20263.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%

KBR Heritage Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Motorcycles - New Loan	-	3.99%
Details As Low As; APR* as low as 3.99% Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 3.89% → 3.99% ▲ 0.10 pts · high 3.99% / low 3.89% Oct 4, 20263.99%▲ from 3.89% Sep 17, 20263.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
Motorcycles - Used Loan	-	3.99%
Details As Low As; APR* as low as 3.99% Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 3.89% → 3.99% ▲ 0.10 pts · high 3.99% / low 3.89% Oct 4, 20263.99%▲ from 3.89% Sep 17, 20263.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
Boats/RVs - New Loan	-	4.24%
Details As Low As; Boats & RVs loan; new Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 4.14% → 4.24% ▲ 0.10 pts · high 4.24% / low 4.14% Oct 4, 20264.24%▲ from 4.14% Sep 17, 20264.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
Boats/RVs - Used Loan	-	4.24%
Details As Low As; Boats & RVs loan; used Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 4.14% → 4.24% ▲ 0.10 pts · high 4.24% / low 4.14% Oct 4, 20264.24%▲ from 4.14% Sep 17, 20264.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%

KBR Heritage Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Home Equity Credit Card - Visa Platinum	-	9.90%
Details Visa Platinum Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 9.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%

KBR Heritage Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Home Equity Personal Loan	7.70%	Up to 60 months
Details As Low As; Loan amount up to $50,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 7.51% → 7.70% ▲ 0.19 pts · high 7.70% / low 7.51% Oct 4, 20267.70%▲ from 7.51% Sep 14, 20267.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%

KBR Heritage Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Classic or Specialty - New Loan	-	-	4.24%
Details As Low As; Full coverage insurance required Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 4.14% → 4.24% ▲ 0.10 pts · high 4.24% / low 4.14% Oct 8, 20264.24%▲ from 4.14% Sep 17, 20264.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
Classic or Specialty - Used Loan	-	-	4.24%
Details As Low As; Full coverage insurance required Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 4.14% → 4.24% ▲ 0.10 pts · high 4.24% / low 4.14% Oct 8, 20264.24%▲ from 4.14% Sep 17, 20264.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
IRA Shares	0.66%	-	0.66%
Min Balance $500 Details Balance: $500.01 and above; For 2nd Quarter of 2026 (Paid Quarterly) Last Updated 10/12/2026 Rate History 1 change since Sep 18, 2026 · 0.54% → 0.66% ▲ 0.12 pts · high 0.66% / low 0.54% Oct 4, 20260.66%▲ from 0.54% Sep 18, 20260.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%

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

KBR Heritage Federal Credit Union’s Texas Ratio stayed near 0.93% in Q3 2023 to 0.96% 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	$76M	0.96%	5.0	A+
March 31, 2026	$80M	1.00%	5.0	A+
December 31, 2025	$79M	2.55%	5.0	A+
September 30, 2025	$80M	0.43%	5.0	A+
June 30, 2025	$80M	1.53%	5.0	A+
March 31, 2025	$82M	1.93%	5.0	A+
December 31, 2024	$87M	2.44%	5.0	A+
September 30, 2024	$88M	2.28%	5.0	A+
June 30, 2024	$92M	0.82%	5.0	A+
March 31, 2024	$92M	1.69%	5.0	A+
December 31, 2023	$89M	1.44%	5.0	A+
September 30, 2023	$90M	0.93%	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 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 1

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

0.96%

Return on Assets (ROA)

0.7114%

Return on Equity (ROE)

3.1430%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

76,438,108

Total Amount of Shares and Deposits

58,798,565

Total Shares and Deposits < 1 Year

58,197,052

Total Shares and Deposits 1 3 Years

601,513

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

2,721,436

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

2,721,436

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

56,077,129

Total Interest Expense (Sum of items 6 8)

126,122

Share Certificates

Number of Accounts for Share Drafts

1,926

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,323

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)

4,047,661

Total Liabilities

59,137,180

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

KBR Heritage Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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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.