Hampton Roads Educators’ Credit Union

Overview / Commentary
2130 Cunningham Dr
Hampton, VA 23666

Hampton Roads Educators’ Credit Union is headquartered in Hampton and is the 70th largest credit union in the state of Virginia. It is also the 2,783rd largest credit union in the nation. It was established in 1954 and as of December of 2018, it had grown to 12 employees and 5,304 members at 1 location. Hampton Roads Educators’ Credit Union's money market rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

Hampton Roads Education Credit Union of Virginia is open to the current and retired employees and presently enrolled or home schooled students of these qualified schools and associations: Hampton City, Gloucester County, Isle of Wright County, Matthews County, Middlesex County, New Horizons Hampton Facility, Poquoson City, Surry County, Williamsburg/James City Count, Thomas Nelson Community College, and the Gloucester County Municipal Government, along with the employees and students of private schools within the Hampton Roads area, and the family members of current credit union members.
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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. Hampton Roads Educators’ Credit Union has a low asset base.

Health Grade Components

NCUA #66913
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.22%
Return on Equity - YTD4%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$32.6MM$31.9MM
LoansQ4 2018vs Q4 2017$14.7MM$13.3MM
DepositsQ4 2018vs Q4 2017$30.5MM$29.7MM
Equity CapitalQ4 2018vs Q4 2017$1.8MM$1.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$152.00K$154.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$72.00K$101.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Hampton Roads Educators’ Credit Union Savings Account Rates

0.05%$1k-Share Savings Account
0.05%$5-Youth Share Account
0.05%--Vacation Club Account
0.05%--Holiday Club Account

Hampton Roads Educators’ Credit Union Money Market Rates

0.90%*$50k*-Tiered Money Market Savings Account
OTHER TIERS: 0.60% $2.5k - $25k | 0.70% $25k - $50k

Hampton Roads Educators’ Credit Union CD Rates

2.02%$500-36 Month Share Certificate
2.02%$200-36 Month Youth Share Certificate
1.51%$500-24 Month Share Certificate
1.51%$200-24 Month Youth Share Certificate
1.26%$500-1 Year Share Certificate
1.26%$200-1 Year Youth Share Certificate

Hampton Roads Educators’ Credit Union Locations
Branch Office2130 Cunningham DrHampton, VA 23666

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