HAPO Community Credit Union

Overview / Commentary
601 Williams Blvd
Richland, WA 99354

HAPO Community Credit Union is headquartered in Richland and is the 9th largest credit union in the state of Washington. It is also the 195th largest credit union in the nation. It was established in 1953 and as of March of 2024, it had grown to 492 employees and 206,888 members at 19 locations. HAPO Community Credit Union's money market rates are 7X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in HAPO Community Credit Union is open to those who live, work, worship, or attend school anywhere in Washington State, or in the Oregon counties of Clackamas, Clatsop, Columbia, Gillam, Hood River, Morrow, Multnomah, Sherman, Umatilla, Wasco, or Washington. Relatives of a current HPAO member or someone who is membership-eligible also qualifies for membership.
See current membership details

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: |

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.


Posted by: |

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: |

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.



Health Grade Components

NCUA #68239
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD1.26%
Return on Equity - YTD12.47%
Annual Interest Income$30MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$2.43B$2.33B
LoansQ1 2024vs Q1 2023$1.88B$1.94B
DepositsQ1 2024vs Q1 2023$2B$2.04B
Equity CapitalQ1 2024vs Q1 2023$241.6MM$206.2MM
Loan Loss AllowanceQ1 2024vs Q1 2023$19.5MM$20.2MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$6.6MM$4.5MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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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

5.17%$0-IRA Savings
0.05%$0-Savings Account

HAPO Community Credit Union Money Market Rates

3.00%*$300k*-Money Market Account
OTHER TIERS: 0.10% $2.5k - $5k | 0.15% $5k - $15k | 0.20% $15k - $50k | 0.25% $50k - $100k | 2.00% $100k - $300k

HAPO Community Credit Union Checking Account Rates

0.01%$2.5k-Free Checking Account

HAPO Community Credit Union CD Rates

4.00%$100-6 Month CD
4.00%$100-12 Month CD
4.00%$100-18 Month CD
3.75%$100-24 Month CD
3.50%$100-30 Month CD
3.25%$100-36 Month CD
3.00%$100-48 Month CD
3.00%$100-60 Month CD

HAPO Community Credit Union IRA Rates

4.00%$100-6 Month IRA
4.00%$100-12 Month IRA
4.00%$100-18 Month IRA
3.75%$100-24 Month IRA
3.50%$100-30 Month IRA
3.25%$100-36 Month IRA
3.00%$100-48 Month IRA
3.00%$100-60 Month IRA


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