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HARMONY

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HARMONY Rates & Review March 2026

Q: Is HARMONY a safe place to deposit money?

Yes, HARMONY is considered a safe financial institution. With a Texas Ratio of 0.2194870369171%, 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.

Q: How many branches does HARMONY operate?

HARMONY currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join HARMONY?

Yes, to access services at HARMONY, 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.

Q: Is there a first-time homebuyer program?

Currently, HARMONY 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, HARMONY 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: March 29, 2026

You can compare HARMONY rates to other rates in our database, including 12-month share certificate rates currently at 1.00%, 6-month share certificate rates at 3.75% and 3-month share certificate rates at 1.50%. Savings rates are at 0.01% and money market rates are at 0.55%. Mortgage rates on 30-year fixed loans are around 6.02%. All these rates can be compared to HARMONY rates. MonitorBankRates evaluates the financial stability of HARMONY with a 4.4 Star Rating, an A Overall Health Grade, and a Texas Ratio of 0.22%. Rates were last updated on 03/29/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

4.4

Excellent Out of 5.0 Stars

Texas Ratio

0.22%

Excellent Lower than avg

FNB of Sparta
Main office

504 Court Rd
Grand Junction, CO 81501 4906

http://www.harmonyfcu.org

Current Rate Availability

We do not have HARMONY rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for HARMONY 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 HARMONY 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 HARMONY's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name HARMONY

Website http://www.harmonyfcu.org

Address 504 Court Rd, Grand Junction, CO 81501 4906

Phone 970-242-3100

Fax 970-243-7221

President Howard Mizushima

CEO Cathy Gledhill

Full-Time Employees 3

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.4 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

0.22%

Return on Assets (ROA)

-3.0751%

Return on Equity (ROE)

-47.9012%

Non-Performing Loans Ratio (NPL)

0.09%

Total Assets

19,018,658

Total Amount of Shares and Deposits

18,269,961

Total Shares and Deposits < 1 Year

17,532,913

Total Shares and Deposits 1 3 Years

737,048

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

212,504

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

212,504

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

18,057,457

Total Interest Expense (Sum of items 6 8)

6,094

Share Certificates

Number of Accounts for Share Drafts

836

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,445

All other shares

Money Market Shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

5,754,675

Total Liabilities

18,145,731

Source: NCUA — Last Updated 03/31/2024

Customer Reviews

There are no reviews for HARMONY yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About HARMONY

Is HARMONY a safe place to deposit money?

Yes, HARMONY is considered a safe financial institution. With a Texas Ratio of 0.2194870369171%, 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 HARMONY operate?

HARMONY 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 HARMONY?

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

Does HARMONY offer online and mobile banking?

Most modern institutions like HARMONY 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.harmonyfcu.org.