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Hi-Land Credit Union

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Hi-Land Credit Union Rates & Review September 2026

Q: How many branches does Hi-Land Credit Union operate?

Hi-Land 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.

Q: Is a member application needed to join Hi-Land Credit Union?

Yes, to access services at Hi-Land 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.

Q: Is there a first-time homebuyer program?

Currently, Hi-Land 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hi-Land Credit Union 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 and Verified: September 22, 2026

Hi-Land Credit Union's Auto Loan Rates are as low as 5.99%. Hi-Land Credit Union's Credit Card Rates are at 10.90%. MonitorBankRates evaluates the financial stability of Hi-Land Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.15%. Rates last updated and verified on 09/22/2026.

Hi-Land 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 Hi-Land Credit Union? Share your experience about Hi-Land Credit Union by leaving a review below, or read customer reviews before you decide to use Hi-Land Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.15%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Hi-Land Credit Union
HI-LAND CREDIT UNION

5366 S EXECUTIVE PARK DR
MURRAY, UT 84117

https://www.hilandcu.com

Hi-Land Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.05%	0.05%
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%

Hi-Land Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	5.99%
Details Rev up your dreams of a new or used vehicle with Hi-Land Credit Union's exceptional auto loans. We take pride in offering some of the lowest rates in the Salt Lake Valley, reflecting our commitment to providing affordable financing options for our members. As a not for profit organization, we prioritize your needs over profits, making your auto ownership experience both enjoyable and cost-effective. Whether you're eyeing a new car, a reliable used vehicle, or even boats, RVs, and ATVs, we've got you covered. At Hi-Land, we understand that everyone's financial situation is unique, and that's why we offer flexible terms and products to suit your personal needs. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%

Hi-Land Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	10.90%
Details Earn rewards on every purchase, joining the millions of global shoppers who have made VISA their preferred choice. Please review our Credit Card Agreement and Disclosures before applying. Regular APR: 10.9% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%

Hi-Land Credit Union Other Rates

Product	Rate	Points	APY/APR
IRA - Roth & Traditional	0.75%	-	0.75%
Min Balance $1 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Regular Shares	0.20%	-	0.20%
Min Balance $0 Details Balance: $0 - $3,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Regular Shares	0.31%	-	0.31%
Min Balance $4,000 Details Balance: $4,000 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Regular Shares	0.35%	-	0.35%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Regular Shares	0.35%	-	0.35%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Hi-Land Credit Union’s Texas Ratio stayed near 0.00% in Q2 2023 to 0.15% in Q1 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
March 31, 2026	$38M	0.15%	5.0	A+
December 31, 2025	$41M	0.00%	5.0	A+
September 30, 2025	$41M	0.00%	5.0	A+
June 30, 2025	$42M	0.29%	5.0	A+
March 31, 2025	$45M	0.00%	5.0	A+
December 31, 2024	$51M	0.29%	5.0	A+
September 30, 2024	$53M	0.85%	5.0	A+
June 30, 2024	$54M	0.00%	5.0	A+
March 31, 2024	$55M	0.11%	5.0	A+
December 31, 2023	$56M	0.01%	5.0	A+
September 30, 2023	$57M	0.00%	5.0	A+
June 30, 2023	$57M	0.00%	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 Hi-Land 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 Hi-Land 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 Hi-Land Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hi-Land Credit Union

Website https://www.hilandcu.com

Address 5366 S EXECUTIVE PARK DR, MURRAY, UT 84117

Phone 801-261-8909

Fax 801-261-2302

President BRAD WARDLE

CEO Misty Miller

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

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.15%

Return on Assets (ROA)

-3.5756%

Return on Equity (ROE)

-13.1578%

Non-Performing Loans Ratio (NPL)

0.05%

Total Assets

37,866,397

Total Amount of Shares and Deposits

27,514,177

Total Shares and Deposits < 1 Year

27,373,465

Total Shares and Deposits 1 3 Years

140,712

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

610,325

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

610,325

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

26,903,852

Total Interest Expense (Sum of items 6 8)

91,296

Share Certificates

150

Number of Accounts for Share Drafts

884

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,806

Net Income (unless the amount is already included in Undivided Earnings)

-1,353,934

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)

1,802,706

Total Liabilities

27,576,405

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Hi-Land Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Hi-Land Credit Union

How many branches does Hi-Land Credit Union operate?

Hi-Land 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 Hi-Land Credit Union?

Yes, to access services at Hi-Land 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, Hi-Land 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, Hi-Land Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Hi-Land Credit Union offer online and mobile banking?

Most modern institutions like Hi-Land 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.hilandcu.com.