H.E.A. Federal Credit Union Rates and Review January 2026
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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.
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Compare H.E.A. Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of H.E.A. Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityH.E.A. 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 CD rates or other rates available. Have you opened an account or have any experiences at H.E.A. Federal Credit Union? Share your experience about H.E.A. Federal Credit Union by leaving a review below, or read customer reviews before you decide to use H.E.A. Federal Credit Union. Overall, H.E.A. Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. H.E.A. Federal Credit Union MAIN OFFICE 121 OSIGIAN BLVD WARNER ROBINS, GA 31088  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVisa Platinum
7.990%
Line of credit up to $20,000. $250,000 travel life insurance
Max Rewards Visa Credit Card
15.250%
Visa Gold or Gold MasterCard
9.990%
Credit Line $7,000-$20,000
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonStudent Loan Consolidation
5.490%
$0
Debt Consolidation Loan
9.990% - 16.240%
$0
61 - 66
Unsecured Signature Loan
10.250%
$0
37 - 60
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have H.E.A. Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: H.E.A. Federal Credit Union
Website: https://www.heafcu.org
Full Time Employees: 7Part Time Employees: 0 President: CYNTHIA FLESHER CEO: BRAD HAMLIN Branch Locations: 1 ATM Locations: 0 Corporate Office Address:
121 OSIGIAN BLVD
WARNER ROBINS, GA 31088 Phone Number: 478-953-7477 Fax Number: 478-953-7277 FinancialsTotal Assets:
40,967,772
Total Amount of Shares and Deposits:
35,649,873
Total Shares and Deposits < 1 Year:
34,561,005
Total Shares and Deposits 1 3 Years:
1,067,925
Total Shares and Deposits > 3 Years:
20,943
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
1,017,065
Total Uninsured Shares and Deposits > $250K (F+J):
1,017,065
Total Insured Shares and Deposits > $250K (item 17 less item K):
34,632,808
Total Interest Expense (Sum of items 6 8):
314,290
Share Certificates:
224
Number of Accounts for Share Drafts:
910
Number of Accounts for Regular Shares:
3,186
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
3,671,365
Total Liabilities:
35,700,453
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About H.E.A. Federal Credit UnionIs a member application needed to join H.E.A. Federal Credit Union?Yes, to access services at H.E.A. Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, H.E.A. Federal Credit Union provides a range of mortgage and home equity products. Is H.E.A. Federal Credit Union a safe place to deposit money?Yes, H.E.A. Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does H.E.A. Federal Credit Union offer online and mobile banking?Most modern institutions like H.E.A. Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 1.00%, 6-month CD rates at 0.05% and 3-month CD rates at 0.60%. Savings rates are at 1.91% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.07%. Credit Card rates are at 17.99%. Personal Loan rates are at 11.24%. All these rates, and more, can be found in our database of rates which you can compare to 
