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iAdvertiser Disclosure
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TOWN OF HEMPSTEAD EMPLOYEES 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 14, 2026
You can compare TOWN OF HEMPSTEAD EMPLOYEES rates to other rates in our database, including 12-month share certificate rates currently at 0.10%, 6-month share certificate rates at 4.30% and 3-month share certificate rates at 3.02%. Savings rates are at 0.35% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.11%. All these rates can be compared to TOWN OF HEMPSTEAD EMPLOYEES rates. 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 04/14/2026. 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. 
Current Rate AvailabilityWe do not have TOWN OF HEMPSTEAD EMPLOYEES 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 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
FinancialsMonitorBankRates 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
Frequently Asked Questions About TOWN OF HEMPSTEAD EMPLOYEESIs TOWN OF HEMPSTEAD EMPLOYEES a safe place to deposit money?Yes, TOWN OF HEMPSTEAD EMPLOYEES is considered a safe financial institution. With a Texas Ratio of 0.83467959800559%, 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 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. Compare to Other Credit Unions
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