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Overview / Commentary
800-284-4276
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 163rd largest credit union in the nation. It was established in 1953 and as of June of 2017, it had grown to 349 employees and 148,023 members at 17 locations. HAPO Community Credit Union's CD rates are 67% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in HAPO Community Credit Union is open to those who live, work, attend school or worship in the state of Washington or in Umatilla or Morrow County in Oregon.
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Customer Service

I was notified by halo for a freadulant purchase a while back and wanted to just say thank you to all that caught this activity you saved us a loss we couldn't afford.

Thankyou Mary McCue

Excruciatingly Slow & Volatile CD Rates

Posted by: Alskar | Mar 16, 2013

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 them...you 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.

DO NOT GET CAR LOANS FROM HERE!

Posted by: HEMM | Sep 22, 2015

Horrible people to get you car loan from, just horrible... the deliberately don't except principal payments electronically so they can ding you with the APR rate! My 100.00 payment got dinged over 31.00! Just awful people. I will have staple two checks together (MAKE SURE THEY AR STPLES AT LEAST 15X or they probably will charge interest! OR make a better decision and DO NOT GO WITH THESE PEOPLE!!!

Happy With HAPO

Posted by: Nukenik | Feb 24, 2011

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.

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Health

Health Grade Components

Overall
NCUA #68239
Year Chartered1953
Employees349
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD6.03%
Annual Interest Income$28.5MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$1.54B$1.45B
LoansQ2 2017vs Q2 2016$1.36B$1.28B
DepositsQ2 2017vs Q2 2016$1.36B$1.28B
Equity CapitalQ2 2017vs Q2 2016$117.2MM$108.8MM
Loan Loss AllowanceQ2 2017vs Q2 2016$9.5MM$9.0MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$2.5MM$2.0MM
Real Estate OwnedQ2 2017vs Q2 2016$4.00K$0
Rates
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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 cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

HAPO Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.11%--Savings Account

HAPO Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$100k*-Money Market Account
OTHER TIERS: 0.13% $2,500 - $5k | 0.18% $5k - $25k | 0.28% $25k - $50k | 0.30% $50k - $100k

HAPO Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$2,500-Free Checking Account

HAPO Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%$5k-5 Year CD
1.75%$5k-4 Year CD
1.60%$5k-3 Year CD
1.50%$5k-12 Month CD Special
1.40%$5k-30 Month CD
1.30%*$5k*-2 Year CD
OTHER TIERS: 0.85% $100 - $5k
1.10%$5k-18 Month CD
1.00%*$5k*-1 Year CD
OTHER TIERS: 0.70% $100 - $5k
0.50%$5k-6 Month CD

HAPO Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%$5k-5 Year IRA
1.75%$5k-4 Year IRA
1.60%$5k-3 Year IRA
1.50%$5k-12 Month IRA Special
1.40%$5k-30 Month IRA
1.30%*$5k*-2 Year IRA
OTHER TIERS: 0.85% $100 - $5k
1.11%--1 Year IRA Time Deposit
1.10%$5k-18 Month IRA
1.00%*$5k*-1 Year IRA
OTHER TIERS: 0.70% $100 - $5k
0.50%$5k-6 Month IRA
Locations

Availability