|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 The Health And Education Federal Credit Union Rates & Review April 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: April 23, 2026
You can compare The Health And Education Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.75%, 6-month share certificate rates at 1.40% and 3-month share certificate rates at 3.65%. Savings rates are at 0.10% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 6.22%. All these rates can be compared to The Health And Education Federal Credit Union rates. MonitorBankRates evaluates the financial stability of The Health And Education Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.14%. Rates were last updated on 04/23/2026. The Health And Education 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 The Health And Education Federal Credit Union? Share your experience about The Health And Education Federal Credit Union by leaving a review below, or read customer reviews before you decide to use The Health And Education Federal Credit Union. The Health And Education Federal Credit Union
Main Office 424 Park Pl
https://www.thefcu.com Lexington, KY 40511 1829 
Current Rate AvailabilityWe do not have The Health And Education Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for The Health And Education 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 The Health And Education 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 The Health And Education Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
The Health And Education Federal Credit Union
Website
https://www.thefcu.com
Address
424 Park Pl,
Lexington, KY 40511 1829
Phone
859-231-8262
Fax
859-254-3253
President
David Riel
CEO
JOE STAFF
Full-Time Employees
16
Part-Time Employees
12
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.14%
Return on Assets (ROA)
1.6123%
Return on Equity (ROE)
9.4256%
Non-Performing Loans Ratio (NPL)
0.53%
Total Assets
119,438,659
Total Amount of Shares and Deposits
99,935,368
Total Shares and Deposits < 1 Year
99,889,375
Total Shares and Deposits 1 3 Years
45,993
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,493,415
Total Uninsured Shares and Deposits > $250K (F+J)
1,493,415
Total Insured Shares and Deposits > $250K (item 17 less item K)
98,441,953
Total Interest Expense (Sum of items 6 8)
214,545
Share Certificates
133
Number of Accounts for Share Drafts
6,588
IRA KEOGH Accounts
200
Number of Accounts for Regular Shares
12,681
All other shares
115
Money Market Shares
3
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
12,205,777
Total Liabilities
100,226,169
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About The Health And Education Federal Credit UnionIs The Health And Education Federal Credit Union a safe place to deposit money?Yes, The Health And Education Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.138957482373%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does The Health And Education Federal Credit Union operate?The Health And Education 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 The Health And Education Federal Credit Union?Yes, to access services at The Health And Education 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, The Health And Education 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, The Health And Education Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does The Health And Education Federal Credit Union offer online and mobile banking?Most modern institutions like The Health And Education 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.thefcu.com. Compare to Other Credit Unions
Brewer Federal Credit Union
Kings Peak Credit Union
Service 1st Federal Credit Union
Louisiana Catholic Federal Credit Union
Cent Credit Union
First Watch Federal Credit Union
Sound Federal Credit Union
Farmway Credit Union
Lincoln Sudbury Town Employee Federal Credit Union
First Peoples Community Federal Credit Union
Franklin Somerset Federal Credit Union
Nutmeg State Financial Credit Union
Terminals Federal Credit Union
Gideon Federal Credit Union
Monterey Credit Union
James Ward Jr Federal Credit Union
Star Financial Credit Union
Arkansas Health Center Federal Credit Union
Nordstrom Federal Credit Union
Credit Union of Richmond
American Airlines Federal Credit Union
|
