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Hutchinson Postal and Community Credit Union

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Hutchinson Postal and Community Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hutchinson Postal and Community 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 13, 2026

Hutchinson Postal and Community Credit Union's top rate as of October 13, 2026 is personal loans from 9.50% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Hutchinson Postal and Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.19%. Rates last updated and verified on 10/13/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.19%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Hutchinson Postal and Community Credit Union
HUTCHINSON POSTAL & COMMUNITY CREDIT UNION

2306 N MAIN ST
HUTCHINSON, KS 67502

https://hutchpccu.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.

Hutchinson Postal and Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Loan	5.50%	9.50%	6.50%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
New Vehicles Loan	5.75%	9.75%	6.75%	48 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.25% → 6.75% ▼ 5.50 pts · high 12.25% / low 6.75% Sep 18, 20266.75%▼ from 12.25% Sep 14, 202612.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
New Vehicles Loan	6.00%	10.00%	7.00%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
New Vehicles Loan	6.25%	-	7.25%	72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
New Vehicles Loan	6.50%	-	7.50%	84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan	6.50%	-	7.50%	36 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 9.75% → 7.50% ▼ 2.25 pts · high 9.75% / low 7.50% Oct 10, 20267.50%▼ from 9.75% Sep 18, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan	6.75%	-	7.75%	48 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 10.00% → 7.75% ▼ 2.25 pts · high 10.00% / low 7.75% Oct 10, 20267.75%▼ from 10.00% Sep 18, 202610.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Used Vehicles 2019-2010 Loan	7.00%	-	8.00%	36 months
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 10.75% → 8.00% ▼ 2.75 pts · high 14.50% / low 8.00% Sep 22, 20268.00%▼ from 14.50% Sep 18, 202614.50%▲ from 10.75% Sep 14, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan	7.00%	-	8.00%	60 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 10.25% → 8.00% ▼ 2.25 pts · high 10.25% / low 8.00% Oct 10, 20268.00%▼ from 10.25% Sep 18, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Used Vehicles 2019-2010 Loan	7.25%	-	8.25%	48 months
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 8.25% → 8.25% ▼ 0.00 pts · high 10.75% / low 8.25% Sep 22, 20268.25%▼ from 10.75% Sep 18, 202610.75%▲ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Used Vehicles 2023-2020 Loan	7.25%	-	8.25%	72 months
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 8.25% → 8.25% ▼ 0.00 pts · high 10.25% / low 8.25% Oct 10, 20268.25%▼ from 10.25% Sep 22, 202610.25%▲ from 8.25% Sep 18, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Used Vehicles 2009 and older Loan	8.00%	-	8.50%	24 months
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 8.50% → 8.50% ▼ 0.00 pts · high 15.00% / low 8.50% Oct 10, 20268.50%▼ from 15.00% Sep 22, 202615.00%▲ from 8.50% Sep 18, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Used Vehicles 2019-2010 Loan	7.50%	-	8.50%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Used Vehicles 2009 and older Loan	8.25%	-	8.75%	36 months
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 8.75% → 8.75% ▼ 0.00 pts · high 15.00% / low 8.75% Oct 10, 20268.75%▼ from 15.00% Sep 22, 202615.00%▲ from 8.75% Sep 18, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Used Vehicles 2009 and older Loan	8.50%	-	9.00%	48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Used Vehicles 2019-2010 Loan	-	-	10.50%	36 months
Details Additional APR listed for this product: 14.25%. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 10.75% → 10.50% ▼ 0.25 pts · high 14.50% / low 8.00% Oct 10, 202610.50%▲ from 8.00% Sep 22, 20268.00%▼ from 14.50% Sep 18, 202614.50%▲ from 10.75% Sep 14, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Used Vehicles 2019-2010 Loan	-	-	10.75%	48 months
Details Additional APR listed for this product: 14.50%. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 8.25% → 10.75% ▲ 2.50 pts · high 10.75% / low 8.25% Oct 10, 202610.75%▲ from 8.25% Sep 22, 20268.25%▼ from 10.75% Sep 18, 202610.75%▲ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%

Hutchinson Postal and Community Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	9.50%	up to 48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Signature Loans	11.50%	up to 36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Signature Loans	15.50%	up to 24 months
Details Additional APR listed for this product: 17.50%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 15.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%

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

Hutchinson Postal and Community Credit Union’s Texas Ratio fell from 6.21% in Q3 2023 to 3.19% in Q2 2026, so its financial health has improved and is now very strong 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)

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	$5M	3.19%	5.0	A+
March 31, 2026	$5M	2.77%	5.0	A+
December 31, 2025	$5M	4.30%	5.0	A+
September 30, 2025	$5M	7.18%	5.0	A
June 30, 2025	$5M	6.71%	5.0	A
March 31, 2025	$5M	5.15%	5.0	A+
December 31, 2024	$5M	2.94%	5.0	A+
September 30, 2024	$5M	1.31%	5.0	A+
June 30, 2024	$5M	3.32%	5.0	A+
March 31, 2024	$5M	3.55%	5.0	A+
December 31, 2023	$5M	1.50%	5.0	A+
September 30, 2023	$5M	6.21%	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 Hutchinson Postal and Community 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 Hutchinson Postal and Community 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 Hutchinson Postal and Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hutchinson Postal and Community Credit Union

Website https://hutchpccu.com

Address 2306 N MAIN ST, HUTCHINSON, KS 67502

Phone 620-662-8050

Fax

President CHEYNE BELOTE

CEO ROSA WHITE

Full-Time Employees 4

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+ (98/100)

Texas Ratio

3.19%

Return on Assets (ROA)

-0.1641%

Return on Equity (ROE)

-0.9326%

Non-Performing Loans Ratio (NPL)

0.85%

Total Assets

5,169,476

Total Amount of Shares and Deposits

4,231,586

Total Shares and Deposits < 1 Year

4,029,396

Total Shares and Deposits 1 3 Years

202,190

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

4,231,586

Total Interest Expense (Sum of items 6 8)

24,527

Share Certificates

Number of Accounts for Share Drafts

256

IRA KEOGH Accounts

Number of Accounts for Regular Shares

701

All other shares

Non Member Deposits

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)

1,017,509

Total Liabilities

4,259,684

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Hutchinson Postal and Community 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/hutchinson-postal-and-community-credit-union-rates-review-67829">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Hutchinson Postal and Community Credit Union

How many branches does Hutchinson Postal and Community Credit Union operate?

Hutchinson Postal and Community 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 Hutchinson Postal and Community Credit Union?

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

Does Hutchinson Postal and Community Credit Union offer online and mobile banking?

Most modern institutions like Hutchinson Postal and Community 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://hutchpccu.com.