The Health & Education Federal Credit Union

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A short history of The Health & Education FCU

Since its inception in 1956 the The Health & Education Federal Credit Union has been serving its members in the Lexington, Kentucky area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Pam Henson, the The Health & Education FCU has grown its membership to over 16,578 with assets of more than $86,964,500. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (859) 231-8262 or email them at hefcu@windstream.net to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Lexington, KY.

General Information For The Health & Education FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 10800
Address 424 Park Pl 
City Lexington 
State Kentucky 
Zip-Code 40511
Phone Number (859) 231-8262
Fax Number (859) 254-3253
Email Address: hefcu@windstream.net
CEO/President Pam Henson
Members 16,578 
Full-Time Employees 17 
Part-Time Employees
Number of Branch Offices
Total Assets 86,964,500 
Website http://www.thefcu.com 

Compare The Health & Education Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Lexington Postal CU LPCU Branch 100 Midland Ave 40512 (859) 231-3198 No 3.94
Members Heritage CU Members Heritage Credit Union 2420 Members Way 40504 (248) 373-8990 No 4.54
Metro Employees CU Main Office 1306 VERSAILLES RD STE 140 40504 (859) 258-3990 No 6.11
Kue CU Main Office 1 Quality St 40507 (859) 367-5845 No 6.33
Greater Kentucky Cu, Inc. CU MAIN OFFICE 1001 RED MILE RD 40504 (859) 231-9300 No 6.77

The Health & Education Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


The Health & Education Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 1.99 1.99 4.25 4.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 34 21 174 168
Rank Among All Kentucky Credit Unions 16 2 2 16 12

The Health & Education Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 N/A 0.50 0.10
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 129 N/A 263 283
Rank Among All Kentucky Credit Unions N/A 16 N/A 23 29
The Health & Education Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9002,6851,567,047
All Other Unsecured Loans/Lines of Credit 9.9006311,299,827
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 1.9902254,032,974
Used Vehicle Loans 1.9901,30011,977,702
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.250987,808,216
Total Other Real Estate Loans/Lines of Credit 4.5001915,025,675
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 2.99073908,009
TOTAL LOANS & LEASES 5,20332,619,450

The Health & Education Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 706,355,3682361,995
    b. 15 Years or less 281,452,848147,000
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 1113,361,99410361,616
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 801,663,6818255,800
Open-End Fixed Rate 0000
TOTALS 28912,833,891211,026,411

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

The Health & Education Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes