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TOWN OF HEMPSTEAD EMPLOYEES Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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.
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| iEditorial Disclosure
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: May 15, 2026

TOWN OF HEMPSTEAD EMPLOYEES's Personal Loan Rates are at 4.69%. MonitorBankRates evaluates the financial stability of TOWN OF HEMPSTEAD EMPLOYEES with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.83%. Rates were last updated on 05/15/2026.

TOWN OF HEMPSTEAD EMPLOYEES 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 TOWN OF HEMPSTEAD EMPLOYEES? Share your experience about TOWN OF HEMPSTEAD EMPLOYEES by leaving a review below, or read customer reviews before you decide to use TOWN OF HEMPSTEAD EMPLOYEES.

MonitorBankRates Exceptional Health Badge 2026 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 ?
0.83%
Excellent Lower than avg
TOWN OF HEMPSTEAD EMPLOYEES
Main Office
1830 Grand Ave
North Baldwin, NY 11510
http://www.tohefcu.org
Member NCUA

TOWN OF HEMPSTEAD EMPLOYEES Mortgage Rates

Product Rate Points APR Term View More
30 Year Fixed - - 5.50%
Details As Low As
Last Updated 05/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.17%

TOWN OF HEMPSTEAD EMPLOYEES Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 4.69%
Details As Low As
Last Updated 05/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.17%

TOWN OF HEMPSTEAD EMPLOYEES Credit Card Rates

Product Rate APR View More
Visa Credit Cards - 1.99%
Details As Low As
Last Updated 05/12/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.17%
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 TOWN OF HEMPSTEAD EMPLOYEES 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 TOWN OF HEMPSTEAD EMPLOYEES 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 TOWN OF HEMPSTEAD EMPLOYEES's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TOWN OF HEMPSTEAD EMPLOYEES
Website http://www.tohefcu.org
Address 1830 Grand Ave, North Baldwin, NY 11510
Phone 516-867-4730
Fax 516-223-2218
President Dominick Longobardi
CEO Robert Muir
Full-Time Employees 14
Part-Time Employees 2
Branch Locations 2
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
0.83%
Return on Assets (ROA)
0.3213%
Return on Equity (ROE)
4.2747%
Non-Performing Loans Ratio (NPL)
0.18%
Total Assets
147,855,862
Total Amount of Shares and Deposits
135,873,478
Total Shares and Deposits < 1 Year
131,197,780
Total Shares and Deposits 1 3 Years
3,623,844
Total Shares and Deposits > 3 Years
1,051,854
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,710,359
Total Uninsured Shares and Deposits > $250K (F+J)
8,710,359
Total Insured Shares and Deposits > $250K (item 17 less item K)
127,163,119
Total Interest Expense (Sum of items 6 8)
662,350
Share Certificates
583
Number of Accounts for Share Drafts
4,104
IRA KEOGH Accounts
156
Number of Accounts for Regular Shares
7,576
All other shares
102
Non Member Deposits
8
Money Market Shares
146
Net Income (unless the amount is already included in Undivided Earnings)
67,437
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
19,664,238
Total Liabilities
136,397,031
Source: NCUA — Last Updated 09/30/2025
MonitorBankRates Exceptional Health Badge 2026
2026 MBR Health & Safety Badge

TOWN OF HEMPSTEAD EMPLOYEES earned the Exceptional Health badge

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Customer Reviews

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Frequently Asked Questions About TOWN OF HEMPSTEAD EMPLOYEES

How many branches does TOWN OF HEMPSTEAD EMPLOYEES operate?

TOWN OF HEMPSTEAD EMPLOYEES 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 TOWN OF HEMPSTEAD EMPLOYEES?

Yes, to access services at TOWN OF HEMPSTEAD EMPLOYEES, 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, TOWN OF HEMPSTEAD EMPLOYEES 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, TOWN OF HEMPSTEAD EMPLOYEES provides members with tools to manage their accounts and build a solid financial history.

Does TOWN OF HEMPSTEAD EMPLOYEES offer online and mobile banking?

Most modern institutions like TOWN OF HEMPSTEAD EMPLOYEES 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://www.tohefcu.org.

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