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Hiwassee River 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 30, 2026
Hiwassee River Credit Union's CDs - 6 mo rates are at 3.96%, CDs - 12 mo rates are at 3.75%, CDs - 18 mo rates are at 3.09%, CDs - 24 mo rates are at 3.04%, CDs - 36 mo rates are at 2.48%. Hiwassee River Credit Union's checking rates are as high as 0.15%. Hiwassee River Credit Union's 1st Mortgage - 15 Year Fixed rates are at 6.15%, Land Loan - 10 Year Fixed rates are at 6.99%. Hiwassee River Credit Union's Personal Loan Rates are as low as 9.25%. Hiwassee River Credit Union's Credit Card Rates are at 10.99%. Hiwassee River Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Hiwassee River Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.57%. Rates last updated and verified on 10/30/2026. Hiwassee River 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 Hiwassee River Credit Union? Share your experience about Hiwassee River Credit Union by leaving a review below, or read customer reviews before you decide to use Hiwassee River Credit Union. Hiwassee River Credit Union
Hiwassee River Credit Union 1186 Old Lower River Rd NW
http://omcecu.com Charleston, TN 37310  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. Hiwassee River Credit Union CD Rates
Hiwassee River Credit Union Savings Rates
Hiwassee River Credit Union Checking Rates
Hiwassee River Credit Union Mortgage Rates
Hiwassee River Credit Union Auto Loan Rates
Hiwassee River Credit Union RV, Boat and Powersport Loan Rates
Hiwassee River Credit Union Credit Card Rates
Hiwassee River Credit Union Personal Loan Rates
Hiwassee River Credit Union Other Rates
Financial Health HistoryHiwassee River Credit Union’s Texas Ratio stayed near 0.37% in Q3 2023 to 0.57% 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
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MonitorBankRates
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 Hiwassee River 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 Hiwassee River 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 Hiwassee River Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Hiwassee River Credit Union
Website
http://omcecu.com
Address
1186 Old Lower River Rd NW,
Charleston, TN 37310
Phone
423-336-4331
Fax
423-336-4614
President
Trendel Hodges
CEO
Stephanie Young
Full-Time Employees
5
Part-Time Employees
1
Branch Locations
1
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.57%
Return on Assets (ROA)
0.2012%
Return on Equity (ROE)
1.8389%
Non-Performing Loans Ratio (NPL)
0.15%
Total Assets
27,504,062
Total Amount of Shares and Deposits
24,407,717
Total Shares and Deposits < 1 Year
24,011,463
Total Shares and Deposits 1 3 Years
396,254
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,125,648
Total Uninsured Shares and Deposits > $250K (F+J)
1,125,648
Total Insured Shares and Deposits > $250K (item 17 less item K)
23,282,069
Total Interest Expense (Sum of items 6 8)
151,294
Share Certificates
299
Number of Accounts for Share Drafts
727
IRA KEOGH Accounts
95
Number of Accounts for Regular Shares
2,074
Net Income (unless the amount is already included in Undivided Earnings)
53,333
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)
4,438,124
Total Liabilities
24,494,989
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Hiwassee River Credit UnionDoes Hiwassee River Credit Union offer CDs?Yes. Hiwassee River Credit Union current CD rates include its CDs - 6 mo at 3.96% APY, its CDs - 12 mo at 3.753% APY and its CDs - 18 mo at 3.093% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Hiwassee River Credit Union NCUA insured?Yes. Hiwassee River 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 Hiwassee River Credit Union?The highest Hiwassee River Credit Union CD rate is its CDs - 6 mo at 3.96% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Hiwassee River Credit Union offer?Hiwassee River Credit Union CD rates are 3.96% APY for a 6 month CD, 3.753% APY for a 12 month CD, 3.093% APY for an 18 month CD, 3.042% APY for a 2 year CD and 2.478% APY for a 3 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Hiwassee River Credit Union for its full lineup. What is the lowest mortgage rate at Hiwassee River Credit Union?The lowest Hiwassee River Credit Union mortgage rate is its 1st Mortgage - 15 Year Fixed at 6.15% APR, verified by MonitorBankRates as of October 30, 2026. Hiwassee River Credit Union mortgage rates are 6.15% APR for a 15 year mortgage and 6.99% APR for a 10 year mortgage. What is the lowest auto loan rate at Hiwassee River Credit Union?The lowest Hiwassee River Credit Union auto loan rate is its New Auto Loan - 60 Months at 4.25% APR, verified by MonitorBankRates as of October 30, 2026. Hiwassee River Credit Union auto loan rates are 4.49% APR for a 48 month auto loan, 4.25% APR for a 60 month auto loan, 4.99% APR for a 72 month auto loan and 5.64% APR for an 84 month auto loan. What is the lowest personal loan rate at Hiwassee River Credit Union?The lowest Hiwassee River Credit Union personal loan rate is its Signature Loan at 9.25% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Hiwassee River Credit Union?The lowest Hiwassee River Credit Union credit card APR is its VISA Credit Card at 10.99% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Hiwassee River Credit Union operate?Hiwassee River 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 Hiwassee River Credit Union?Yes, to access services at Hiwassee River 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, Hiwassee River 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, Hiwassee River Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Hiwassee River Credit Union offer online and mobile banking?Most modern institutions like Hiwassee River 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: http://omcecu.com. 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 Hiwassee River Credit Union rates compare?Hiwassee River Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. Hiwassee River Credit Union's top rates are its CDs - 6 mo at 3.96% APY, its Share Drafts at 0.15% APY, its 1st Mortgage - 15 Year Fixed at 6.15%, its Signature Loan at 9.25% APR and its VISA Credit Card at 10.99% APR, verified by MonitorBankRates on October 30, 2026. Compare to Other Credit Unions
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