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H E A Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.heafcu.org
800-671-8969
121 Osigian Blvd
Warner Robins, GA 31088

H E A Federal Credit Union is headquartered in WARNER ROBINS and is the 39th largest credit union in the state of Georgia. It is also the 2,629th largest credit union in the nation. It was established in 1961 and as of March of 2025, it had grown to 8 employees and 2,917 members at 1 location. H E A Federal Credit Union's CD rates are 11% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of the Houston County Board of Education, the Peach County Board of Education, Middle Georgia Regional Educational Service Agency, employees and students of Central Georgia Technical College, students of most schools in Houston County, Active members of the Houston County Retired Teachers Association, and members of the Parent-Teacher Organizations of most of the schools in Houston County.
See current membership details

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Health
B+

Data as of Q1 2025

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. H E A Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #14670
Year Chartered1961
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD9.15%
Annual Interest Income$446K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$40.4MM$37.4MM
LoansQ1 2025vs Q1 2024$21.4MM$20.2MM
DepositsQ1 2025vs Q1 2024$35.4MM$32.9MM
Equity CapitalQ1 2025vs Q1 2024$4.9MM$4.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$100K$103K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$138K$62K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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H E A Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-9 Month CD
2.50%$1k-18 Month CD
2.10%$1k-4 Year CD
2.00%$1k-3 Year CD
1.50%$1k-2 Year CD
1.00%$1k-1 Year CD
Locations


H E A Federal Credit Union Locations
Branch Office121 OSIGIAN BLVDWARNER ROBINS, GA 31088

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