What are the current interest rates at Homeland Credit Union?

Current rates for Homeland Credit Union include: 12-Month CD: 4.12%, 18-Month CD: 4.28%, 24-Month CD: 4.44%, 60-Month CD: 4.55%, Savings: 0.10%

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Homeland Credit Union

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Homeland Credit Union Rates & Review October 2026

Q: How many branches does Homeland Credit Union operate?

Homeland 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 Homeland Credit Union?

Yes, to access services at Homeland 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, Homeland 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, Homeland 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: October 9, 2026

Homeland Credit Union's top rates as of October 9, 2026 are 4.65% APY on its 60 Month Print Share and IRA Jumbo CDs, 0.10% APY on savings, personal loans from 9.99% APR, and credit cards from 18.99% APR, according to rates verified by MonitorBankRates. Other Homeland Credit Union CD rates include Print Share and IRA Jumbo CDs - 60 Mo. at 4.65%, 48 Month Print Share and IRA Jumbo CDs at 4.63%, and Print Share and IRA Jumbo CDs - 48 Mo. at 4.63%. MonitorBankRates evaluates the financial stability of Homeland Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.83%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.83%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Homeland Credit Union
Caldwell

310 Caldwell St
Chillicothe, OH 45601

https://www.homelandcu.com

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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.

Homeland Credit Union CD Rates

Product	Rate	APY	Term
60 Month Print Share and IRA Jumbo Certificates	-	4.65%	60 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.14% → 4.65% ▲ 0.51 pts · high 4.65% / low 4.14% Sep 22, 20264.65%▲ from 4.14% Sep 14, 20264.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Print Share and IRA Jumbo Certificates - 60 Mo.	-	4.65%	60 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.14% → 4.65% ▲ 0.51 pts · high 4.65% / low 4.14% Sep 22, 20264.65%▲ from 4.14% Sep 14, 20264.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
48 Month Print Share and IRA Jumbo Certificates	-	4.63%	48 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.12% → 4.63% ▲ 0.51 pts · high 4.63% / low 4.12% Sep 22, 20264.63%▲ from 4.12% Sep 14, 20264.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Print Share and IRA Jumbo Certificates - 48 Mo.	-	4.63%	48 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.12% → 4.63% ▲ 0.51 pts · high 4.63% / low 4.12% Sep 22, 20264.63%▲ from 4.12% Sep 14, 20264.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
35 Month Print Share and IRA Jumbo Certificates	-	4.61%	35 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.61% ▲ 0.51 pts · high 4.61% / low 4.10% Sep 22, 20264.61%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Print Share and IRA Jumbo Certificates - 35 Mo.	-	4.61%	35 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.61% ▲ 0.51 pts · high 4.61% / low 4.10% Sep 22, 20264.61%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
30 Month Print Share and IRA Jumbo Certificates	-	4.58%	30 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.58% ▲ 0.53 pts · high 4.58% / low 4.05% Sep 22, 20264.58%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Print Share and IRA Jumbo Certificates - 30 Mo.	-	4.58%	30 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.58% ▲ 0.53 pts · high 4.58% / low 4.05% Sep 22, 20264.58%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
60 Month Print Share and IRA Certificate	-	4.55%	60 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04% Sep 22, 20264.55%▲ from 4.04% Sep 14, 20264.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
60 Month Share and IRA Certificates	-	4.55%	60 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04% Sep 22, 20264.55%▲ from 4.04% Sep 14, 20264.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
24 Month Print Share and IRA Jumbo Certificates	-	4.54%	24 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.04% → 4.54% ▲ 0.50 pts · high 4.54% / low 4.04% Sep 22, 20264.54%▲ from 4.04% Sep 14, 20264.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Print Share and IRA Jumbo Certificates - 24 Mo.	-	4.54%	24 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.04% → 4.54% ▲ 0.50 pts · high 4.54% / low 4.04% Sep 22, 20264.54%▲ from 4.04% Sep 14, 20264.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
48 Month Print Share and IRA Certificate	-	4.53%	48 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.02% → 4.53% ▲ 0.51 pts · high 4.53% / low 4.02% Sep 22, 20264.53%▲ from 4.02% Sep 14, 20264.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
48 Month Share and IRA Certificates	-	4.53%	48 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.02% → 4.53% ▲ 0.51 pts · high 4.53% / low 4.02% Sep 22, 20264.53%▲ from 4.02% Sep 14, 20264.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
35 Month Print Share and IRA Certificate	-	4.51%	35 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.51% ▲ 0.51 pts · high 4.51% / low 4.00% Sep 22, 20264.51%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
35 Month Share and IRA Certificates	-	4.51%	35 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.51% ▲ 0.51 pts · high 4.51% / low 4.00% Sep 22, 20264.51%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
30 Month Print Share and IRA Certificate	-	4.48%	30 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.48% ▲ 0.53 pts · high 4.48% / low 3.95% Sep 22, 20264.48%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
30 Month Share and IRA Certificates	-	4.48%	30 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.48% ▲ 0.53 pts · high 4.48% / low 3.95% Sep 22, 20264.48%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
24 Month Print Share and IRA Certificate	-	4.44%	24 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.94% → 4.44% ▲ 0.50 pts · high 4.44% / low 3.94% Sep 22, 20264.44%▲ from 3.94% Sep 14, 20263.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
24 Month Share and IRA Certificates	-	4.44%	24 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.94% → 4.44% ▲ 0.50 pts · high 4.44% / low 3.94% Sep 22, 20264.44%▲ from 3.94% Sep 14, 20263.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
18 Month Print Share and IRA Jumbo Certificates	-	4.38%	18 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.38% ▲ 0.43 pts · high 4.38% / low 3.95% Sep 22, 20264.38%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Print Share and IRA Jumbo Certificates - 18 Mo.	-	4.38%	18 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.38% ▲ 0.43 pts · high 4.38% / low 3.95% Sep 22, 20264.38%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
18 Month Print Share and IRA Certificate	-	4.28%	18 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.28% ▲ 0.43 pts · high 4.28% / low 3.85% Sep 22, 20264.28%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
18 Month Share and IRA Certificates	-	4.28%	18 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.28% ▲ 0.43 pts · high 4.28% / low 3.85% Sep 22, 20264.28%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
12 Month Print Share and IRA Jumbo Certificates	-	4.22%	12 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.83% → 4.22% ▲ 0.39 pts · high 4.22% / low 3.83% Sep 22, 20264.22%▲ from 3.83% Sep 14, 20263.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
13 Month Print Share and IRA Jumbo Certificates	-	4.22%	13 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.83% → 4.22% ▲ 0.39 pts · high 4.22% / low 3.83% Sep 22, 20264.22%▲ from 3.83% Sep 14, 20263.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Print Share and IRA Jumbo Certificates - 12 Mo.	-	4.22%	12 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.83% → 4.22% ▲ 0.39 pts · high 4.22% / low 3.83% Sep 22, 20264.22%▲ from 3.83% Sep 14, 20263.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Print Share and IRA Jumbo Certificates - 13 Mo.	-	4.22%	13 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.83% → 4.22% ▲ 0.39 pts · high 4.22% / low 3.83% Sep 22, 20264.22%▲ from 3.83% Sep 14, 20263.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
12 Month Print Share and IRA Certificate	-	4.12%	12 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.73% → 4.12% ▲ 0.39 pts · high 4.12% / low 3.73% Sep 22, 20264.12%▲ from 3.73% Sep 14, 20263.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
12 Month Share and IRA Certificates	-	4.12%	12 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.73% → 4.12% ▲ 0.39 pts · high 4.12% / low 3.73% Sep 22, 20264.12%▲ from 3.73% Sep 14, 20263.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
13 Month Print Share and IRA Certificate	-	4.12%	13 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.73% → 4.12% ▲ 0.39 pts · high 4.12% / low 3.73% Sep 22, 20264.12%▲ from 3.73% Sep 14, 20263.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
13 Month Share and IRA Certificates	-	4.12%	13 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.73% → 4.12% ▲ 0.39 pts · high 4.12% / low 3.73% Sep 22, 20264.12%▲ from 3.73% Sep 14, 20263.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
6 Month Print Share and IRA Jumbo Certificates	-	4.04%	6 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.64% → 4.04% ▲ 0.40 pts · high 4.04% / low 3.64% Sep 22, 20264.04%▲ from 3.64% Sep 14, 20263.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Print Share and IRA Jumbo Certificates - 6 Mo.	-	4.04%	6 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.64% → 4.04% ▲ 0.40 pts · high 4.04% / low 3.64% Sep 22, 20264.04%▲ from 3.64% Sep 14, 20263.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
4 Month Print Share and IRA Jumbo Certificates	-	3.96%	4 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.72% → 3.96% ▲ 0.24 pts · high 3.96% / low 3.72% Sep 22, 20263.96%▲ from 3.72% Sep 14, 20263.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Print Share and IRA Jumbo Certificates - 4 Mo.	-	3.96%	4 months
Min Balance $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.72% → 3.96% ▲ 0.24 pts · high 3.96% / low 3.72% Sep 22, 20263.96%▲ from 3.72% Sep 14, 20263.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
6 Month Print Share and IRA Certificate	-	3.94%	6 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.54% → 3.94% ▲ 0.40 pts · high 3.94% / low 3.54% Sep 22, 20263.94%▲ from 3.54% Sep 14, 20263.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
6 Month Share and IRA Certificates	-	3.94%	6 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.54% → 3.94% ▲ 0.40 pts · high 3.94% / low 3.54% Sep 22, 20263.94%▲ from 3.54% Sep 14, 20263.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
4 Month Print Share and IRA Certificate	-	3.86%	4 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.52% → 3.86% ▲ 0.34 pts · high 3.86% / low 3.52% Sep 22, 20263.86%▲ from 3.52% Sep 14, 20263.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
4 Month Share and IRA Certificates	-	3.86%	4 months
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.52% → 3.86% ▲ 0.34 pts · high 3.86% / low 3.52% Sep 22, 20263.86%▲ from 3.52% Sep 14, 20263.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

Homeland Credit Union Savings Rates

Product	Rate	APY
Christmas Club	-	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Regular Savings	-	0.10%
Min Balance $5 Details Balance: $5.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

Homeland Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans 2025-2026	-	-	4.19%	Up to 66 Months
Details Published APR range: 4.19% - 16.99%. Year: 2025-2026 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
New Autos	-	-	4.19%
Details as low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.19% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loans 2024-2026	-	-	5.25%	Up to 84 Months
Details Published APR range: 5.25% - 18.49%. Year: 2024-2026 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Used Autos	-	-	5.25%
Details as low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loans 2021-2023	-	-	6.75%	Up to 72 Months
Details Published APR range: 6.75% - 19.49%. Year: 2021-2023 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loans 2018-2020	-	-	7.25%	Up to 60 Months
Details Published APR range: 7.25% - 20.49%. Year: 2018-2020 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loans 2025-2026	-	-	8.49%	Up to 96 Months
Details Term: Up to 96 Months Min $40K; Published APR range: 8.49% - 19.49%. Year: 2025-2026 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Auto Loans 2017 and Older	-	-	8.75%	Up to 48 Months
Details Published APR range: 8.75% - 20.99%. Year: 2017 and Older Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

Homeland Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles NEW Loan	-	8.99%	Up to 72 Months
Details Published APR range: 8.99% - 16.49%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Recreational Vehicles (Travel Trailers, Boats) NEW Loan	-	9.99%	72 - 144 Months
Details Published APR range: 9.99% - 17.49%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Motorcycles USED 4 Years & Less Loan	-	10.99%	Up to 66 Months
Details Published APR range: 10.99% - 19.99%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Recreational Vehicles (Travel Trailers, Boats) USED Loan	-	11.49%	60 - 96 Months
Details Published APR range: 11.49% - 19.99%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Motorcycles USED 5 Years & Older Loan	-	11.99%	Up to 60 Months
Details Published APR range: 11.99% - 21.99%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

Homeland Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Classic Credit Card	-	18.99%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 18.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

Homeland Credit Union Personal Loan Rates

Product	APR	Term
Unsecured/Vacation/Christmas Loans	9.99%	12 Months
Details Published APR range: 9.99% - 14.99%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Unsecured / Line of Credit	11.49%	Up to 48 Months
Details Published APR range: 11.49% - 22.99%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Unsecured / Line of Credit	11.99%	Up to 60 Months
Details Published APR range: 11.99% - 23.49%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

Homeland Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Consumer Goods Loans	-	-	10.99%	Up to 60 Months
Details Published APR range: 10.99% - 20.99%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Capital Reserve Acct	-	-	1.67%
Min Balance $1,000 Details Balance: $1,000.00-$24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.67% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Capital Reserve Acct	-	-	1.78%
Min Balance $25,000 Details Balance: $25,000.00-$49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.78% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Capital Reserve Acct	-	-	1.88%
Min Balance $50,000 Details Balance: $50,000.00-$99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.88% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
Capital Reserve Acct	-	-	2.29%
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.29% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%
IRA Shares	-	-	1.10%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.83%

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.
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Financial Health History

Homeland Credit Union’s Texas Ratio stayed near 1.75% in Q3 2023 to 1.83% 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	$624M	1.83%	5.0	A+
March 31, 2026	$620M	2.05%	5.0	A+
December 31, 2025	$618M	1.73%	5.0	A+
September 30, 2025	$606M	1.50%	5.0	A+
June 30, 2025	$596M	1.72%	5.0	A+
March 31, 2025	$597M	2.00%	5.0	A+
December 31, 2024	$582M	1.85%	5.0	A+
September 30, 2024	$592M	1.41%	5.0	A+
June 30, 2024	$582M	1.29%	5.0	A+
March 31, 2024	$594M	1.06%	5.0	A+
December 31, 2023	$572M	1.67%	5.0	A+
September 30, 2023	$549M	1.75%	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 Homeland 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 Homeland 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 Homeland Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Homeland Credit Union

Website https://www.homelandcu.com

Address 310 Caldwell St, Chillicothe, OH 45601

Phone 740-775-3331

Fax 740-774-1055

President Dennis Miller

CEO Shayne Poe

Full-Time Employees 63

Part-Time Employees 26

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.83%

Return on Assets (ROA)

0.4673%

Return on Equity (ROE)

2.9592%

Non-Performing Loans Ratio (NPL)

1.10%

Total Assets

624,156,938

Total Amount of Shares and Deposits

547,340,275

Total Shares and Deposits < 1 Year

486,095,999

Total Shares and Deposits 1 3 Years

51,070,910

Total Shares and Deposits > 3 Years

10,173,366

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

41,643,021

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

41,643,021

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

505,697,254

Total Interest Expense (Sum of items 6 8)

5,058,414

Share Certificates

3,801

Number of Accounts for Share Drafts

15,275

IRA KEOGH Accounts

749

Number of Accounts for Regular Shares

31,089

Non Member Deposits

Money Market Shares

1,459

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

2,916,678

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)

48,877,679

Total Liabilities

549,852,857

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Homeland 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.

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</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Homeland Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Homeland Credit Union

Frequently Asked Questions About Homeland Credit Union

How many branches does Homeland Credit Union operate?

Homeland 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 Homeland Credit Union?

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

Does Homeland Credit Union offer online and mobile banking?

Most modern institutions like Homeland 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.homelandcu.com.

Current Homeland Credit Union Rates

12-Month CD4.12%
18-Month CD4.28%
24-Month CD4.44%
60-Month CD4.55%
Savings0.10%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Homeland Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Homeland Credit Union Texas Ratio

Homeland Credit Union Health Trend

Homeland Credit Union CD Rates

Homeland Credit Union Savings Rates

Homeland Credit Union Auto Loan Rates

Homeland Credit Union RV, Boat and Powersport Loan Rates

Homeland Credit Union Credit Card Rates

Homeland Credit Union Personal Loan Rates

Homeland Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Homeland Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Homeland Credit Union

How many branches does Homeland Credit Union operate?

Is a member application needed to join Homeland Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Homeland Credit Union offer online and mobile banking?

Current Homeland Credit Union Rates

Compare to Other Credit Unions