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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.
HEREFORD TEXAS Rates & Review March 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: March 24, 2026
HEREFORD TEXAS's CDs of Deposit Term of Six (6) month rates are at 3.56%, CDs of Deposit Term of Twelve (12) month rates are at 3.30%, CDs of Deposit Term of Eighteen (18) month rates are at 3.04%, CDs of Deposit Term of Twenty-Four (24) month rates are at 2.79%, CDs of Deposit Term of Thirty (30) month rates are at 2.53%. HEREFORD TEXAS's savings rates are at 0.50%. MonitorBankRates evaluates the financial stability of HEREFORD TEXAS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.94%. Rates were last updated on 03/24/2026. HEREFORD TEXAS 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 HEREFORD TEXAS? Share your experience about HEREFORD TEXAS by leaving a review below, or read customer reviews before you decide to use HEREFORD TEXAS. State Bank of Danvers
Hereford Texas Federal Credit Union 330 Schley Ave
http://www.htfcu.com Hereford, TX 79045 5539 
HEREFORD TEXAS CD Rates
HEREFORD TEXAS Savings Rates
HEREFORD TEXAS Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for HEREFORD TEXAS 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 HEREFORD TEXAS 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 HEREFORD TEXAS's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
HEREFORD TEXAS
Website
http://www.htfcu.com
Address
330 Schley Ave,
Hereford, TX 79045 5539
Phone
806-364-1888
Fax
806-364-8638
President
David Collins
CEO
Brenda Fuentes
Full-Time Employees
22
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.94%
Return on Assets (ROA)
0.4316%
Return on Equity (ROE)
1.9486%
Non-Performing Loans Ratio (NPL)
0.74%
Total Assets
72,697,230
Total Amount of Shares and Deposits
55,284,012
Total Shares and Deposits < 1 Year
52,507,596
Total Shares and Deposits 1 3 Years
2,776,416
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,503,179
Total Uninsured Shares and Deposits > $250K (F+J)
3,503,179
Total Insured Shares and Deposits > $250K (item 17 less item K)
51,780,833
Total Interest Expense (Sum of items 6 8)
628,040
Share Certificates
325
Number of Accounts for Share Drafts
3,605
IRA KEOGH Accounts
101
Number of Accounts for Regular Shares
7,709
All other shares
9
Net Income (unless the amount is already included in Undivided Earnings)
313,770
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,170,230
Total Liabilities
56,656,039
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About HEREFORD TEXASIs HEREFORD TEXAS a safe place to deposit money?Yes, HEREFORD TEXAS is considered a safe financial institution. With a Texas Ratio of 1.9355421686747%, 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 HEREFORD TEXAS operate?HEREFORD TEXAS 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 HEREFORD TEXAS?Yes, to access services at HEREFORD TEXAS, 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, HEREFORD TEXAS 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, HEREFORD TEXAS provides members with tools to manage their accounts and build a solid financial history. Does HEREFORD TEXAS offer online and mobile banking?Most modern institutions like HEREFORD TEXAS 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.htfcu.com. Current HEREFORD TEXAS Rates
Retrieved from our database of financial products. Rates subject to change.
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