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601 Williams Blvd
Richland, WA 99354

HAPO Community Credit Union is headquartered in Richland and is the 6th largest credit union in the state of Washington. It is also the 165th largest credit union in the nation. It was established in 1953 and as of March of 2014, it had grown to 320 employees and 117,483 members. HAPO Community Credit Union has a B+ health rating.

Field of Membership Restrictions

HAPO Community Credit Union offers membership to anyone who lives, works, worships or attends school in Washington State. You may even become a member if you have a relative who is a member or is eligible to become a member. - See Details

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Reviews (7)

They Are Very Unprofessional And Rude

I do not recommend this credit union and I have been a member for years. They are behind the times and going downhill as far as customer service. At least two employees have been extremely rude to me recently after years of not having issues. One manager was extremely rude when I was trying to make a complaint about the way I was treated when I was trying to pay them over the phone. They don’t even have a link on their own website to leave feedback or complaints. They are inconsistent, unreliable and rude. I will be closing the account as soon as possible.

Predatory Vultures

My girlfriend was in a coma on a ventilator. Her car was impounded in a lot and it could not be released to anyone but her, her Power of Attorney or HAPO, the lienholder. Before she was fully alert and could sign permission over to get it picked up, HAPO rolled a hauler and a Writ of Reposession to Spokane, took the car, served her with a NOTICE OF CUSTOY AND INTENT TO SELL giving her a week to pay off the entire loan, impound and towing costs and other gouging charges.

Here is the thing, before her accident, she had been one month behind and had made arrangements with HAPO to double pay in April and catch up. They illegally defaulted her loan while she is recovering from an accident and coma.

They are beyond the pale in predatory and likely illegal repossession and re-selling tactics. I'd never get a loan from these people because we all think something like what happened to my girlfriend won't happen to you or a loved one but it can and this outfit moves in like a vulture onto a cooling deer carcass along the highway to stab their grimy beaks into you as fast as they can.

DO NOT RISK YOUR FINANCIAL AND EMOTIONAL HEALTH. A car loan isn't worth it. Shop around.

Excruciatingly Slow & Volatile CD Rates

I attempted to take advantage of HAPO competitive CD rates but was foiled by excrutiatingly slow customer service and volatile CD rates.

I called and emailed HAPO to become a member.  I was told by both phone and email that there was no online membership application or any way to email the membership forms.  The CS agent told me that she would mail me the membership packet.  According to the postmark it took two days to get the membership packet in the mail and two more days for the USPS to deliver it.  I filled out the forms, had them notarized and mailed them back to HAPO (scanned forms are unacceptable). 

It took two days to delivery the forms via Priority Mail and two more days for HAPO to deliver it to the forms to a CS agent.

The process to become a member took two more days.

Once I was a member, it took guessed it...two more days to create the IRA CD forms and email them to me.  Unfortunately, they spelled my name wrong.  Two more days later, I received forms with my name spelled correctly.

In the meantime HAPO changed their 5 year, IRA CD rates four times!  Between 2/14/2013 and 3/9/2013 HAPO changed their 5 year IRA CD rates four times. 

HAPO had competitive CD rates, and lower than average early withdrawal penalties (120 days vs 180 days), but they compound quarterly instead of daily or monthly so the penalty is actually pretty average.

I'm told that HAPO will correct many of the problems I experienced, but I based on my experience, I cannot recommend HAPO.

Happy With HAPO

HAPO has been my primary checking and savings institution for years.  Although it is based in Washington State, I decided to keep my accounts when I moved across the country.  Their direct deposit and online services have worked flawlessly, with good backup on phone support.  Considering their five-star health rating, I'm planning to stay with them.


I am glad I found this site. Hapo Credit union in the Tri-Cities, WA has been swindling my friend for years. He has dementia. He is on a small fixed income. He cannot balance his checkbook, cannot deal with writing checks and tries to do everything by phone. Hapo has rude phone service, and no one will return his calls.

He cannot manage his own money and has overdraft fees of 30.00 all the time. He will use the bank machine and it will give him money when he has no money in checking and charge him a 30.00 overdraft fee also. He and I were unaware and Hapo has never told him he could Opt Out and when he has no money in checking, the cash machine will Not give him money and charge him overdraft fees. He thinks they are doing him favors like the time they had the overdrafts go to the little savings account he will ever have. He was unaware that some criminal was secretly writing checks out of his checkbook and so the savings account was totally depleted because the overdrafts were coming out of the savings account. So his little savings he will ever have are gone. After all this the workers at Hapo will fill out his checkbook by hand, never showing the overdraft charges and never explaining or cautioning him what trouble he is in with his accounts. The workers flatter him with their sexy seductive ways. Then after the last mess they created a separate line of credit for him where the overdrawn checking account would come out of the line of credit. So before long the line of credit was maxed out and he owes Hapo over $1,000.00 with interest, good for you Hapo. That payment to Hapo is now automatically deducted from his checking which just makes the problem worse. He doesn’t even know about that. They flatter him and tell him what a great credit rating his has. Well he has not had a credit card in years and never buys anything because he is so poor. The latest swindle on their part is that they created another loan for him. A car/auto loan to buy a motorcycle. He doesn’t even have a motorcycle license. Now that is another loan payment that is automatically deducted from his meager checking account that he forgets and isn’t aware of because of his short term memory loss. He forgets what they do to him the minute he walks out the door because of his dementia. He forgets even which branch he goes to so he is using several branches and no one is tracking his problems. It is a perfect swindle and a huge criminal case of severe elder abuse on Hapo’s part. Anyone who is even thinking of Hapo WATCH OUT

I Will Not Suggest HAPO To Anyone

I had called to make a payment over the phone for my husband who was in the field due to being in the military. I had all my information ready to go when Amy, who in my opinion was the rudest most unprofessional person I have ever talked to in my life, proceeded to raise her voice and argue with me. She stated that in the eyes of HAPO I did not have any claim to my HUSBANDS truck, and continued to waste my time. I requested to talk to her manager immediately, she then placed me on hold for a significant amount of time. Her manager luckily was helpful and sounded completely confused as to why Amy would have a issue in accepting a payment. I truly hope that HAPO releases Amy from their employment, if she's rude to me you can definitely bet she has been rude to others!

What Is "HAPO"

What does HAPO stand for? Is it an abbreviation? Why is HAPO currently so active in working to capture customers?


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 HAPO Community Credit Union had $1.55 million in non-current loans and owned real-estate with $98.89 million in equity and loan loss allowances on hand to cover it. This gives HAPO Community Credit Union a Texas Ratio of 1.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for HAPO Community Credit Union experienced no significant changes from 1.25% as of March 31, 2013 to 1.57% as of March 31, 2014, resulting in a negative change of 25.25%. This indicates that the balance sheet and financial strength for HAPO Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, HAPO Community Credit Union has increased its total deposits by $44.1 million, resulting in 4.15% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth HAPO Community Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. HAPO Community Credit Union has $1.24 billion in assets with $98.89 million in equity, resulting in a capitalization level of 7.95%, which is below average.

Institution Statistics

NCUA #68239
Year Chartered1953
Primary Regulator
Assets and Liabilities
Assets$1.24 billion
Loans$1.06 billion
Deposits$1.11 billion
Equity Capital$91.34 million
Loan Loss Allowance$7.55 million
Unbacked Noncurrent Loans$1.55 million
Real Estate Owned$0
Historic Data - March 2013
Assets$1.17 billion
Equity Capital$80.32 million
Loan Loss Allowance$7.00 million
Unbacked Noncurrent Loans$1.55 million
Real Estate Owned$82,000
Profit Margin - Quarterly
Net Interest Margin1.01%
Return on Assets0.66%
Return on Equity8.99%
Interest Income$12.34 million

Always verify rates and promotions with the bank or credit union. We are not HAPO Community Credit Union, we are a rate comparison website and can not provide official rates or promotions.

HAPO Community Credit Union Savings Account Rates

0.11%--Regular Savings

HAPO Community Credit Union Money Market Rates

0.35%$100k-Money Market Account

HAPO Community Credit Union Checking Account Rates

0.01%--Free Checking Account

HAPO Community Credit Union CD Rates

2.15%$5k-5 Year CD
1.70%$5k-4 Year CD
1.25%$5k-3 Year CD
1.00%$5k-30 Month CD
0.75%$5k-1 Year CD
0.75%$5k-2 Year CD
0.65%$5k-18 Month CD
0.45%$200k-6 Month CD

HAPO Community Credit Union IRA Rates

1.80%$5k-5 Year IRA
1.70%$5k-4 Year IRA
1.25%$5k-3 Year IRA
1.00%$5k-30 Month IRA
0.75%$5k-1 Year IRA
0.75%$5k-2 Year IRA
0.65%$5k-18 Month IRA
0.45%$200k-6 Month IRA
0.06%--1 Year Variable IRA

HAPO Community Credit Union has 14 locations. Click to view all HAPO Community Credit Union locations.