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Hampton Roads Educator\'s Credit Union Inc

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$Hampton Roads Educator\'s Credit Union Inc$

Hampton Roads Educator\'s Credit Union Inc Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hampton Roads Educator\'s Credit Union Inc provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 26, 2026

Hampton Roads Educator\'s Credit Union Inc's Personal Loan Rates are at 10.00%. MonitorBankRates evaluates the financial stability of Hampton Roads Educator\'s Credit Union Inc with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.26%. Rates were last updated on 04/26/2026.

Hampton Roads Educator\'s Credit Union Inc 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 Hampton Roads Educator\'s Credit Union Inc? Share your experience about Hampton Roads Educator\'s Credit Union Inc by leaving a review below, or read customer reviews before you decide to use Hampton Roads Educator\'s Credit Union Inc.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.26%

Excellent Lower than avg

Hampton Roads Educator\'s Credit Union Inc
Hampton Roads Educators Credit Union

2130 Cunningham Dr
Hampton, VA 23666

https://www.hrecu.org

Hampton Roads Educator\'s Credit Union Inc Personal Loan Rates

Product	Rate	APR	View More
Personal Loans	-	10.00%
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.26%

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 Hampton Roads Educator\'s Credit Union Inc 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 Hampton Roads Educator\'s Credit Union Inc 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 Hampton Roads Educator\'s Credit Union Inc's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hampton Roads Educator\'s Credit Union Inc

Website https://www.hrecu.org

Address 2130 Cunningham Dr, Hampton, VA 23666

Phone 757-838-0707

Fax 757-838-0776

President Cornelious Chambliss

CEO Karen Orie

Full-Time Employees 13

Part-Time Employees 2

Branch Locations 1

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+ (98/100)

Texas Ratio

3.26%

Return on Assets (ROA)

0.6865%

Return on Equity (ROE)

8.2034%

Non-Performing Loans Ratio (NPL)

0.69%

Total Assets

44,700,957

Total Amount of Shares and Deposits

40,012,118

Total Shares and Deposits < 1 Year

39,738,017

Total Shares and Deposits 1 3 Years

274,101

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

399,637

Total Uninsured Shares and Deposits > $250K (F+J)

399,637

Total Insured Shares and Deposits > $250K (item 17 less item K)

39,612,481

Total Interest Expense (Sum of items 6 8)

107,081

Share Certificates

Number of Accounts for Share Drafts

2,558

Number of Accounts for Regular Shares

5,433

Money Market Shares

127

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,997,575

Total Liabilities

40,410,963

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Hampton Roads Educator\'s Credit Union Inc

Is Hampton Roads Educator\'s Credit Union Inc a safe place to deposit money?

Yes, Hampton Roads Educator\'s Credit Union Inc is considered a safe financial institution. With a Texas Ratio of 3.2611386436388%, 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 Hampton Roads Educator\'s Credit Union Inc operate?

Hampton Roads Educator\'s Credit Union Inc 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 Hampton Roads Educator\'s Credit Union Inc?

Yes, to access services at Hampton Roads Educator\'s Credit Union Inc, 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, Hampton Roads Educator\'s Credit Union Inc 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, Hampton Roads Educator\'s Credit Union Inc provides members with tools to manage their accounts and build a solid financial history.

Does Hampton Roads Educator\'s Credit Union Inc offer online and mobile banking?

Most modern institutions like Hampton Roads Educator\'s Credit Union Inc 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.hrecu.org.