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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
HERCULES FIRST Rates & Review September 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 and Verified: September 22, 2026
HERCULES FIRST's 5 Year CD rates are at 4.06%, 2 Year CD rates are at 4.01%, 5 Year Step-Up CD rates are at 3.96%, 1 Year CD rates are at 3.91%, 4 Year CD rates are at 3.80%. HERCULES FIRST's savings rates are at 0.05%. HERCULES FIRST's 30-year fixed mortgage rates are at 6.35%. HERCULES FIRST's Auto Loan Rates are as low as 5.24%. HERCULES FIRST's Credit Card Rates are at 9.95%. MonitorBankRates evaluates the financial stability of HERCULES FIRST with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.24%. Rates last updated and verified on 09/22/2026. HERCULES FIRST 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 HERCULES FIRST? Share your experience about HERCULES FIRST by leaving a review below, or read customer reviews before you decide to use HERCULES FIRST. HERCULES FIRST
Hercules Credit Union 3141 W 4700 S
http://www.herculescu.com Taylorsville, UT 84129-2525 
HERCULES FIRST CD Rates
HERCULES FIRST Savings Rates
HERCULES FIRST Checking Rates
HERCULES FIRST Mortgage Rates
HERCULES FIRST Home Equity & HELOC
HERCULES FIRST Auto Loan Rates
HERCULES FIRST RV, Boat and Powersport Loan Rates
HERCULES FIRST Credit Card Rates
HERCULES FIRST Other Rates
Financial Health HistoryHERCULES FIRST’s Texas Ratio rose from 1.30% in Q2 2023 to 7.24% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for HERCULES FIRST 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 HERCULES FIRST 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 HERCULES FIRST's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
HERCULES FIRST
Website
http://www.herculescu.com
Address
3141 W 4700 S,
Taylorsville, UT 84129-2525
Phone
801-968-9011
Fax
801-966-8852
President
Richard Wilcock
CEO
Brett Blackburn
Full-Time Employees
25
Part-Time Employees
1
Branch Locations
3
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.24%
Return on Assets (ROA)
0.1230%
Return on Equity (ROE)
1.2974%
Non-Performing Loans Ratio (NPL)
0.85%
Total Assets
164,411,754
Total Amount of Shares and Deposits
137,614,344
Total Shares and Deposits < 1 Year
119,921,059
Total Shares and Deposits 1 3 Years
12,997,851
Total Shares and Deposits > 3 Years
4,695,434
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,094,955
Total Uninsured Shares and Deposits > $250K (F+J)
5,094,955
Total Insured Shares and Deposits > $250K (item 17 less item K)
132,519,389
Total Interest Expense (Sum of items 6 8)
779,117
Share Certificates
1,298
Number of Accounts for Share Drafts
3,205
IRA KEOGH Accounts
543
Number of Accounts for Regular Shares
8,725
Non Member Deposits
22
Money Market Shares
623
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)
476,652
Total Liabilities
148,818,823
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Add Your Rating and Review for HERCULES FIRST
Frequently Asked Questions About HERCULES FIRSTHow many branches does HERCULES FIRST operate?HERCULES FIRST 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 HERCULES FIRST?Yes, to access services at HERCULES FIRST, 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, HERCULES FIRST 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, HERCULES FIRST provides members with tools to manage their accounts and build a solid financial history. Does HERCULES FIRST offer online and mobile banking?Most modern institutions like HERCULES FIRST 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.herculescu.com. Current HERCULES FIRST Rates
Retrieved from our database of financial products. Rates subject to change.
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