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HTM Credit Union

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HTM Credit Union Rates & Review April 2026

Q: How many branches does HTM Credit Union operate?

HTM 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 HTM Credit Union?

Yes, to access services at HTM 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, HTM 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, HTM 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: April 21, 2026

You can compare HTM Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.00%, 6-month share certificate rates at 2.50% and 3-month share certificate rates at 1.65%. Savings rates are at 0.55% and money market rates are at 0.55%. Mortgage rates on 30-year fixed loans are around 5.91%. All these rates can be compared to HTM Credit Union rates. MonitorBankRates evaluates the financial stability of HTM Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.23%. Rates were last updated on 04/21/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.23%

Excellent Lower than avg

HTM Credit Union
HTM Credit Union

4 Summer St Ste 3
Haverhill, MA 01830 5843

https://www.htmcreditunion.com

HTM Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	8.90%
Details As Low As; no annual fee Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.23%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for HTM 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 HTM 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 HTM Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name HTM Credit Union

Website https://www.htmcreditunion.com

Address 4 Summer St Ste 3, Haverhill, MA 01830 5843

Phone 978-374-7386

Fax 978-372-0654

President Diane Juknavorian

CEO Joseph Graham

Full-Time Employees 4

Part-Time Employees 1

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

0.23%

Return on Assets (ROA)

0.3668%

Return on Equity (ROE)

2.4965%

Non-Performing Loans Ratio (NPL)

0.06%

Total Assets

27,069,015

Total Amount of Shares and Deposits

23,119,491

Total Shares and Deposits < 1 Year

23,119,491

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

954,993

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

954,993

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

22,164,498

Total Interest Expense (Sum of items 6 8)

215,794

Share Certificates

177

Number of Accounts for Share Drafts

688

Number of Accounts for Regular Shares

1,792

All other shares

369

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

99,285

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,359,376

Total Liabilities

23,092,005

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About HTM Credit Union

Is HTM Credit Union a safe place to deposit money?

Yes, HTM Credit Union is considered a safe financial institution. With a Texas Ratio of 0.23469893211232%, 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 HTM Credit Union operate?

HTM 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 HTM Credit Union?

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

Does HTM Credit Union offer online and mobile banking?

Most modern institutions like HTM 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.htmcreditunion.com.