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Hartford Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 9, 2026
Hartford Federal Credit Union's top rates as of October 9, 2026 are 2.78% APY on its 2.5 Year CD, personal loans from 11.00% APR, and credit cards from 13.74% APR, according to rates verified by MonitorBankRates. Other Hartford Federal Credit Union CD rates include 3 Year CD at 2.78%, 5 Year CD at 2.53%, and 6 month CD at 2.53%. MonitorBankRates evaluates the financial stability of Hartford Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.41%. Rates last updated and verified on 10/09/2026.
Hartford 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 money market rates and other rates available. Have you opened an account or have any experiences at Hartford Federal Credit Union? Share your experience about Hartford Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Hartford Federal Credit Union.
Hartford Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Hartford Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
4.41%
ExcellentLower than avg
Hartford Federal Credit Union Texas Ratio
Hartford Federal Credit Union's Texas Ratio is 4.41%, which is considered excellent and is lower than the national average of 6.13%.
Hartford Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.66% to 4.41% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Hartford Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
2.5 Year Certificate
2.75%
2.78%
2.5 Year
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
3 Year Certificate
2.75%
2.78%
3 Year
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
5 Year Certificate
2.50%
2.53%
5 Year
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
6 month Certificate
2.50%
2.53%
6 Months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
1 Year Certificate
2.25%
2.27%
1 Year
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
1.5 Year Certificate
2.00%
2.02%
1.5 Year
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
2 Year Certificate
2.00%
2.02%
2 Year
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
3 month Certificate
1.00%
1.00%
3 Months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Hartford Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan Special - 15-Year Special
-
-
5.937%
15-Year
DetailsAnnual Percentage Rate (APR) is based on a $250,000 loan. Sample monthly payment for a 15-year term at 5.937% annual percentage rate is $8.40 per thousand borrowed. Includes a 1% discount for direct deposit. Property insurance must be maintained throughout the loan term; flood insurance may also be required. Special rate is for first-lien position loans. Rate may be higher based on credit history. Minimum loan amount for special rate is $75,000. Non-refundable fee of $299 is due at the time of the intent to proceed. Closing costs for the Home Equity Specials are $700. Other rates and terms are available.
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 5.94% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Home Equity Loan Special
-
-
5.99%
10-Year
DetailsLoan amount greater than $50,000. Includes a 1% discount for direct deposit. Special rates are for new loans only. Property insurance must be maintained throughout the loan term. Other rates and terms available up to fifteen years. Rate may be higher based on credit history. Rates is subject to change without notice. If loan is paid off within one year, reimbursement of appraisal fee and closing cost is required.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 5.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Home Equity Loan Special - 20-Year Special
-
-
6.30%
20-Year
DetailsAnnual Percentage Rate (APR) is based on a $250,000 loan. Sample monthly payment for a 20-year term at 6.300% annual percentage rate is $7.34 per thousand borrowed. Includes a 1% discount for direct deposit. Property insurance must be maintained throughout the loan term; flood insurance may also be required. Special rate is for first-lien position loans. Rate may be higher based on credit history. Minimum loan amount for special rate is $75,000. Non-refundable fee of $299 is due at the time of the intent to proceed. Closing costs for the Home Equity Specials are $700. Other rates and terms are available.
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 6.30% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Home Equity Loan Special
-
-
6.50%
15-Year
DetailsLoan amount greater than $50,000. Includes a 1% discount for direct deposit. Special rates are for new loans only. Property insurance must be maintained throughout the loan term. Other rates and terms available up to fifteen years. Rate may be higher based on credit history. Rates is subject to change without notice. If loan is paid off within one year, reimbursement of appraisal fee and closing cost is required.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 6.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Home Equity Loan Special
-
-
6.99%
10-Year
DetailsIncludes a 1% discount for direct deposit. Special rates are for new loans only. Property insurance must be maintained throughout the loan term. Other rates and terms available up to fifteen years. Rate may be higher based on credit history. Rates is subject to change without notice. If loan is paid off within one year, reimbursement of appraisal fee and closing cost is required.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Home Equity Loan Special
-
-
7.50%
15-Year
DetailsIncludes a 1% discount for direct deposit. Special rates are for new loans only. Property insurance must be maintained throughout the loan term. Other rates and terms available up to fifteen years. Rate may be higher based on credit history. Rates is subject to change without notice. If loan is paid off within one year, reimbursement of appraisal fee and closing cost is required.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 7.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Hartford Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loans - NEW
-
-
3.99%
1 Year
DetailsRates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Auto Loans - NEW
-
-
3.99%
2 Years
DetailsRates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Auto Loans - NEW
-
-
3.99%
3 Years
DetailsRates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Auto Loans - NEW
-
-
4.74%
4 Years
DetailsRates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Used Auto Loan
-
-
4.74%
1 Year
DetailsRates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 4.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Used Auto Loan
-
-
4.74%
2 Years
DetailsRates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 4.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Used Auto Loan
-
-
4.74%
3 Years
DetailsRates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 4.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Auto Loans - NEW
-
-
4.99%
5 Years
DetailsRates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Used Auto Loan
-
-
4.99%
4 Years
DetailsRates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
Sep 17, 20264.99%▲ from 4.74%
Sep 14, 20264.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Auto Loans - NEW
-
-
5.24%
6 Years
DetailsRates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Used Auto Loan
-
-
5.24%
5 Years
DetailsRates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
Sep 17, 20265.24%▲ from 4.99%
Sep 14, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Auto Loans - NEW
-
-
5.99%
7 Years
DetailsRates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Used Auto Loan
-
-
5.99%
6 Years
DetailsRates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
Sep 17, 20265.99%▲ from 5.49%
Sep 14, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Used Auto Loan
-
-
6.49%
7 Years
DetailsRates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available. Used auto loan rates are for model years 2020 or newer. Maximum mileage for used auto loan rate is 125,000 miles. Over 125,000 miles will default to the classic auto loan rate and terms.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99%
Sep 17, 20266.49%▲ from 5.99%
Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Classic Auto Loan
-
-
9.00%
1 Year
DetailsActual rate may be higher based on credit history. Classic auto loan rates are for model years 2019 and older. This tier also includes vehicles with over 125,000 miles. Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 9.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Classic Auto Loan
-
-
9.00%
2 Years
DetailsActual rate may be higher based on credit history. Classic auto loan rates are for model years 2019 and older. This tier also includes vehicles with over 125,000 miles. Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 9.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Classic Auto Loan
-
-
9.00%
3 Years
DetailsActual rate may be higher based on credit history. Classic auto loan rates are for model years 2019 and older. This tier also includes vehicles with over 125,000 miles. Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 9.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Classic Auto Loan
-
-
9.50%
4 Years
DetailsActual rate may be higher based on credit history. Classic auto loan rates are for model years 2019 and older. This tier also includes vehicles with over 125,000 miles. Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 9.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Classic Auto Loan
-
-
9.50%
5 Years
DetailsActual rate may be higher based on credit history. Classic auto loan rates are for model years 2019 and older. This tier also includes vehicles with over 125,000 miles. Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 9.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Hartford Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
VISA Platinum Card
-
13.74%
DetailsAnnual Percentage Rate will vary with the market based on the Prime Rate.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49%
Sep 17, 202613.74%▲ from 13.49%
Sep 14, 202613.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
VISA Gold Card
-
15.65%
DetailsAnnual Percentage Rate will vary with the market based on the Prime Rate.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 15.40% → 15.65% ▲ 0.25 pts · high 15.65% / low 15.40%
Sep 17, 202615.65%▲ from 15.40%
Sep 14, 202615.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
VISA Classic Card
-
17.74%
DetailsAnnual Percentage Rate will vary with the market based on the Prime Rate.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 17.49% → 17.74% ▲ 0.25 pts · high 17.74% / low 17.49%
Sep 17, 202617.74%▲ from 17.49%
Sep 14, 202617.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Hartford Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Unsecured Loans
11.00%
2 Years
Detailsup to $25,000; Your actual rate may be higher based on your credit history and requires direct deposit. Rates subject to change without notice. Maximum loan is $25,000 per signer.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 11.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Personal Unsecured Loans
11.50%
3 Years
Detailsup to $25,000; Your actual rate may be higher based on your credit history and requires direct deposit. Rates subject to change without notice. Maximum loan is $25,000 per signer.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 11.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Personal Unsecured Loans
12.50%
4 Years
Detailsup to $25,000; Your actual rate may be higher based on your credit history and requires direct deposit. Rates subject to change without notice. Maximum loan is $25,000 per signer.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 12.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Personal Unsecured Loans
13.50%
5 Years
Detailsup to $25,000; Your actual rate may be higher based on your credit history and requires direct deposit. Rates subject to change without notice. Maximum loan is $25,000 per signer.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 13.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Hartford Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
KWIK KASH Line of Credit
-
-
16.00%
Revolving
DetailsAnnual Percentage Rate (APR). Your actual rate may be higher based on your credit history and requires direct deposit. Rates subject to change without notice. Maximum loan is $25,000 per signer.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 16.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Gold-1
0.20%
-
0.20%
Min Balance$2,500
DetailsBalance: $2,500 to $9,999
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.20% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Gold-1
0.25%
-
0.25%
Min Balance$10,000
DetailsBalance: $10,000 to $24,999
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Gold-1
0.60%
-
0.60%
Min Balance$25,000
DetailsBalance: $25,000 to $49,999
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Gold-1
0.75%
-
0.75%
Min Balance$50,000
DetailsBalance: $50,000 to $74,999
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Gold-1
0.90%
-
0.90%
Min Balance$75,000
DetailsBalance: $75,000 to $99,999
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.90% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Gold-1
1.10%
-
1.10%
Min Balance$100,000
DetailsBalance: $100,000 to $249,999
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 1.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Gold-1
2.00%
-
2.00%
Min Balance$250,000
DetailsBalance: $250,000 and up
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Holiday & Vacation
0.05%
-
0.05%
Min Balance$100
DetailsBalance: $100 to earn dividends
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
IRA Accumulator
0.35%
-
0.35%
DetailsNo Minimum
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.35% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Share
0.01%
-
0.01%
Min Balance$100
DetailsBalance: $100 to earn dividends
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.01% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.41%
Financial Health History
Hartford Federal Credit Union’s Texas Ratio rose from 0.66% in Q3 2023 to 4.41% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$160M
4.41%
5.0
A+
March 31, 2026
$156M
4.49%
5.0
A+
December 31, 2025
$153M
5.21%
5.0
A+
September 30, 2025
$148M
4.15%
5.0
A+
June 30, 2025
$151M
4.28%
5.0
A+
March 31, 2025
$154M
4.42%
5.0
A+
December 31, 2024
$148M
4.50%
5.0
A+
September 30, 2024
$147M
4.48%
5.0
A+
June 30, 2024
$150M
4.55%
5.0
A+
March 31, 2024
$148M
1.72%
5.0
A+
December 31, 2023
$149M
0.81%
5.0
A+
September 30, 2023
$148M
0.66%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Hartford Federal Credit Union 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 Hartford Federal Credit Union 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 Hartford Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,968,348
Total Uninsured Shares and Deposits > $250K (F+J)
2,968,348
Total Insured Shares and Deposits > $250K (item 17 less item K)
134,043,474
Total Interest Expense (Sum of items 6 8)
374,734
Share Certificates
319
Number of Accounts for Share Drafts
10,040
IRA KEOGH Accounts
329
Number of Accounts for Regular Shares
18,525
Money Market Shares
746
Net Income (unless the amount is already included in Undivided Earnings)
687,073
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,469,011
Total Liabilities
139,136,254
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Hartford Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Hartford Federal Credit Union
How many branches does Hartford Federal Credit Union operate?
Hartford Federal Credit Union 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 Hartford Federal Credit Union?
Yes, to access services at Hartford Federal Credit Union, 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, Hartford Federal Credit Union 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, Hartford Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Hartford Federal Credit Union offer online and mobile banking?
Most modern institutions like Hartford Federal Credit Union 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.hartfordfcu.com.
Current Hartford Federal Credit Union Rates
12-Month CD2.27%
24-Month CD2.02%
60-Month CD2.02%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
