Town Of Hempstead Employees Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

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

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

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

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

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

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.tohefcu.org

516-867-4730

1830 Grand Avenue
Baldwin, NY 11510-2414

Town Of Hempstead Employees Federal Credit Union is headquartered in North Baldwin and is the 71^st largest credit union in the state of New York. It is also the 1,500^th largest credit union in the nation. It was established in 1963 and as of March of 2025, it had grown to 13 employees and 9,564 members at 2 locations. Town Of Hempstead Employees Federal Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be an employee of the Town of Hempstead, the villages of Atlantic Beach, East Rockaway, Freeport, Hempstead, Island Park, and Lynbrook in New York, or employees of other select organizations in the area.
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 #	15539
Year Chartered	1963
Employees	13
Primary Regulator

Profit Margin
Return on Assets - YTD	0.09%
Return on Equity - YTD	1.25%
Annual Interest Income	$963K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$149.9MM$149.7MM
Loans	Q1 2025vs Q1 2024	$53.5MM$60MM
Deposits	Q1 2025vs Q1 2024	$138.7MM$139.1MM
Equity Capital	Q1 2025vs Q1 2024	$11.1MM$10MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$853K$2.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$688K$3.2MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

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

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

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

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

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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Savings
Money Market
CD
IRA

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

Town Of Hempstead Employees Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%	$5	-	Kids Club Savings
0.05%	$5	-	Regular Savings
0.05%	$5	-	Christmas Club
0.05%	$5	-	Vacation Club
0.05%	$5	-	Escrow Account

Town Of Hempstead Employees Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.15% → $2.5k - $10k \| 0.20% → $10k - $25k \| 0.30% → $25k - $50k

Town Of Hempstead Employees Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.51%	$50k	-	10 Month Certificate- New Money
2.53%	$1k	-	12 Month Certificate
2.53%	$1k	-	60 Month Certificate
2.53%	$1k	-	15 Month Certificate
2.53%	$1k	-	9 Month Certificate
2.28%	$1k	-	18 Month Certificate
2.28%	$1k	-	24 Month Certificate
2.28%	$1k	-	30 Month Certificate
2.28%	$1k	-	36 - 48 Month Flex Certificate
2.02%	$1k	-	6 Month Certificate
1.00%	$400	-	Kids Club Certificate

Town Of Hempstead Employees Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$100	-	IRA Certificates

Locations

Town Of Hempstead Employees Federal Credit Union Locations
Branch Office	1830 Grand Ave	North Baldwin, NY 11510
Branch Office	350 Front St	Hempstead, NY 11550

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