3 star ratingAverage User Rating:
3 star rating based on 2 reviews.

HAPO Community Credit Union

HAPO Community Credit Union Locations
601 Williams Blvd
Richland, WA 99354
1-800-284-4276
www.hapo.org



HAPO Community Credit Union is headquartered in Richland and is the 7th largest credit union in the state of Washington. It is also the 180th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 270 employees and 98,735 members. HAPO Community Credit Union has a 5-star health rating.

HAPO Community Credit Union Routing Number: 325181264

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Top CD Rates at HAPO Community Credit Union - Washington State Only - 8/2/2011

With the new month, many banks and credit unions have changed their rates. Unfortunately, most of the changes have been rate cuts, but there are a few bright spots. One is HAPO Community Credit Union ...

Top CD Rates at HAPO Community Credit Union - Washington State Only - 2/24/2011

HAPO Community Credit Union is offering some competitive mid-term CD and IRA CD rates. The best include a 1.50% APY 18-month CD, a 2.15% APY 3-year CD and a 2.40% APY 4-year CD. Minimum deposit is $5, ...

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HAPO Community Credit Union has some competitive short-term certificate rates. These include a 3.60% APY 6-month CD, and a 3.65% APY 12-month CD. The minimum deposit is $5,000. A yield of 3.65% APY is available for a $100,000 minimum.Washington State...



See Rates for: Checking | Savings | Money Market | CD | IRA

HAPO Community Credit Union Checking Account Rates

ApyMinMaxProduct
0.05%--Free Checking Account

HAPO Community Credit Union Savings Account Rates

ApyMinMaxProduct
0.15%--Regular Savings
0.15%--Sub Savings 2
0.15%--Sub Savings 3
0.15%--Sub Savings 1

HAPO Community Credit Union Money Market Rates

ApyMinMaxProduct
0.55%$100k-Money Market Account

HAPO Community Credit Union CD Rates

ApyMinMaxProduct
2.10%$5k-5 Year CD
2.00%$5k-4 Year CD
1.40%$5k-3 Year CD
1.35%$5k-30 Month CD
1.00%$5k-18 Month CD
1.00%$5k-2 Year CD
0.70%$5k-1 Year CD
0.65%$100k-6 Month CD

HAPO Community Credit Union IRA Rates

ApyMinMaxProduct
2.10%$5k-5 Year CESA
2.10%$5k-5 Year IRA
2.10%$5k-5 Year Roth IRA
2.00%$5k-4 Year IRA
2.00%$5k-4 Year Roth IRA
2.00%$5k-4 Year CESA
1.40%$5k-3 Year IRA
1.40%$5k-3 Year Roth IRA
1.40%$5k-3 Year CESA
1.35%$5k-30 Month IRA
1.35%$5k-30 Month Roth IRA
1.35%$5k-30 Month CESA
1.00%$5k-18 Month IRA
1.00%$5k-2 Year IRA
1.00%$5k-18 Month Roth IRA
1.00%$5k-2 Year Roth IRA
1.00%$5k-18 Month CESA
1.00%$5k-2 Year CESA
0.70%$5k-1 Year IRA
0.70%$5k-1 Year Roth IRA
0.70%$5k-1 Year CESA
0.65%$100k-6 Month IRA
0.65%$100k-6 Month Roth IRA
0.65%$100k-6 Month CESA
0.14%--1 Year Variable IRA
0.14%--1 Year Variable Roth IRA
0.14%--1 Year Variable CESA

Rates updated: 5/25/2012

Data for Q4 2011


Institution Statistics


HAPO COMMUNITY
NCUA #68239
BankRate ReportView
Year Chartered1953
Employees270
Primary Regulator

Assets and Liabilities

Assets$1.01 billion
Loans$891.70 million
Deposits$929.71 million
Equity Capital$69.75 million
Loan Loss Allowance$7.00 million
Unbacked Noncurrent Loans$1.75 million
Real Estate Owned$4,000

Historic Data - December 2010

Assets$845.69 million
Equity Capital$56.70 million
Loan Loss Allowance$7.80 million
Unbacked Noncurrent Loans$1.29 million
Real Estate Owned$1,000

Profit Margin - Quarterly

Net Interest Margin4.21%
Return on Assets1.25%
Return on Equity18.19%
Interest Income$46.34 million
Non-Interest Income$11.90 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 HAPO Community Credit Union had $1.75 million in non-current loans and owned real-estate with $76.75 million in equity and loan loss allowances on hand to cover it. This gives HAPO Community Credit Union a Texas Ratio of 2.29% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for HAPO Community Credit Union held steady from 2.00% as of December 31, 2010 to 2.29% as of December 31, 2011, resulting in a negative change of 14.53%. This indicates that the balance sheet and financial strength for HAPO Community Credit Union has held steady in recent periods.
Deposit Growth5
In the past year, HAPO Community Credit Union has increased its total deposits by $151.63 million, resulting in 19.49% 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.
Capitalization2
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 $1.01 billion in assets with $76.75 million in equity, resulting in a capitalization level of 7.56%, which is below average.
Write Review

They Are Very Unprofessional And Rude
1 stars - New2010 - Wednesday, November 24, 2010 - 8:11 AM

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.

4

Happy With HAPO
5 stars - Nukenik - Thursday, February 24, 2011 - 2:27 PM

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.

2