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Henrico Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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 7/1/2025
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
henricofcu.org
804-266-0290
9401 W Broad St
Henrico, VA 23294

Henrico Federal Credit Union is headquartered in Henrico and is the 25th largest credit union in the state of Virginia. It is also the 782nd largest credit union in the nation. It was established in 1967 and as of March of 2025, it had grown to 82 employees and 31,049 members at 10 locations. Henrico Federal Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Henrico Federal Credit Union is open to those who live, work, worship, or go to school in the Virginia counties of Amelia, Caroline, Charles City, Chesterfield, Cumberland, Dinwiddie, Goochland, Hanover, Henrico, King & Queen, King William, Louisa, New Kent, Powhatan, Prince George, or Sussex, and the Virginia cities of Ashland, Colonial Heights, Hopewell, Petersburg, or Richmond.
See current membership details

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #18175
Year Chartered1967
Employees82
Primary Regulator
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD12.36%
Annual Interest Income$5.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$466.5MM$459.6MM
LoansQ1 2025vs Q1 2024$272.1MM$249.6MM
DepositsQ1 2025vs Q1 2024$421.6MM$402.7MM
Equity CapitalQ1 2025vs Q1 2024$36.9MM$27.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.7MM$2.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.5MM$2.9MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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 7/1/2025
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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Henrico Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$500*-Share/Savings
OTHER TIERS: 0.25% → $100 - $500
0.50%*$500*-Vacations Club
OTHER TIERS: 0.25% → $100 - $500
0.50%*$500*-Holidays Club
OTHER TIERS: 0.25% → $100 - $500
0.50%*$500*-Special Events Club
OTHER TIERS: 0.25% → $100 - $500
0.50%*$500*-School Expenses Club
OTHER TIERS: 0.25% → $100 - $500

Henrico Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$250k*-Invest Checking
OTHER TIERS: 0.75% → $2.5k - $25k | 2.00% → $25k - $100k | 2.50% → $100k - $250k
0.50%*$5k*-Select Checking
OTHER TIERS: 0.25% → $1k - $5k

Henrico Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.00%$100$1k12 Month Youth CD
4.25%*$100k*-12 Month Certificate
OTHER TIERS: 4.00% → $1k - $100k
4.00%*$100k*-36 Month Certificate
OTHER TIERS: 3.75% → $1k - $100k
4.00%*$100k*-24 Month CD
OTHER TIERS: 3.75% → $1k - $100k
3.50%*$100k*-6 Month Certificate
OTHER TIERS: 3.25% → $1k - $100k

Henrico Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$100-IRA Savings
Locations


Cities: Glen Allen, Henrico, North Chesterfield, Richmond

Glen Allen Branches
Branch Office10401 Woodman RdGlen Allen, VA 23060
Branch Office4690 Pouncey Tract RdGlen Allen, VA 23059

Henrico Branches
Branch Office8611 Dixon Powers DrHenrico, VA 23228
Branch Office9401 W Broad StHenrico, VA 23294
Corporate Office9351 W Broad StHenrico, VA 23294
Branch Office6002 S Laburnum AveHenrico, VA 23231

North Chesterfield Branches
Branch Office7101 Route 1North Chesterfield, VA 23237-1521

Richmond Branches
Branch Office1201 N Laburnum AveRichmond, VA 23223
Branch Office3820 Nine Mile RdRichmond, VA 23223
Branch OfficeBellwood Credit Union at DSCR 8000 Jefferson Davis Hwy, Building 19Richmond, VA 23297

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