The Health & Education Credit Union
Verified rate book
Current The Health & Education Credit Union rates
14 published offers verified as of August 4, 2026.
Auto & vehicle rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Used Auto Loanauto_used | 3.990% APR | 3.990% | used | Standard |
| 84-Month New Auto Loanauto_new_84mo | 5.490% APR | 5.490% | 84 mo · new | Standard |
| Motorcycles, Boats, & RVsmotorcycle | 7.490% APR | 7.490% | — | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loan (Fixed)heloc_fixed | 6.500% APR | 6.500% | — | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share-Secured Loanpersonal_secured | 2.500% APR | 2.500% | — | Standard |
| 36-Month Signature Loanpersonal_unsecured_36mo | 11.900% APR | 11.900% | 36 mo | Standard |
Savings & CD rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Tier 3savings | 1.98% APY | 1.98% | — | Standard |
| Tier 2savings | 2.23% APY | 2.23% | — | Standard |
| Tier 1savings | 2.48% APY | 2.48% | — | Standard |
| 48-Month Certificatecd_48mo | 2.50% APY | 2.48% | 48 mo | Standard |
| 60-Month Certificatecd_60mo | 2.50% APY | 2.48% | 60 mo | Standard |
| 36-Month Certificatecd_36mo | 3.03% APY | 3.00% | 36 mo | Standard |
| 24-Month Certificatecd_24mo | 3.29% APY | 3.25% | 24 mo | Standard |
| 12-Month Certificatecd_12mo | 3.91% APY | 3.85% | 12 mo | Standard |
Vehicle loans available from 3.99% APR. HELOC rates from 6.5% APR. Personal loan rates from 2.5% APR. Savings and certificate yields up to 3.91% APY.
Source: RateAPI.dev, verified from The Health & Education Credit Union's official website
Latest available market position · Snapshot August 1, 2026
The Health & Education Credit Union statewide rate position
This dated snapshot compares the credit union's best published rate in each tracked product with other KY credit unions in the same product market. Products may age out of the current rate book until they are verified again.
| Product | Published rate | State rank | State best | State median | Position vs. median |
|---|---|---|---|---|---|
| New Auto Loan (best offer, cars) | 5.49% APR | #10 of 11 · top 91% | 3.99% | 4.75% | 74 bp behind state median |
| Used Auto Loan (best offer, cars) | 3.99% APR | #1 of 9 · top 12% | 3.99% | 4.75% | 76 bp better than state median |
| HELOC (best offer) | 6.50% APR | #12 of 16 · top 75% | 4.00% | 6.00% | 50 bp behind state median |
| Personal Loan (unsecured, best offer) | 11.90% APR | #23 of 25 · top 92% | 6.99% | 9.75% | 215 bp behind state median |
| 12-Month CD (best APY) | 3.91% APY | #3 of 12 · top 25% | 4.50% | 2.53% | 138 bp better than state median |
Loading branch locator…
About The Health & Education Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 12.3K
- Assets
- $125.3M
- Founded
- 1956
- Locations reported
- 2
- NCUA charter
- 10800
- Charter type
- Federal credit union
Services and member support
- Online loan application
- Electronic statements
- Mobile payments
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join The Health & Education Credit Union
Membership eligibility from The Health & Education Credit Union's own published criteria. How we verify this.
Membership via employers (Certain Employers)
- EmployerCertain Employers
Verified from The Health & Education Credit Union's membership page. Final membership determination is always made by the credit union.
Work at The Health & Education Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where The Health & Education Credit Union ranks against Kentucky peers.
Frequently Asked Questions
What rates does The Health & Education Credit Union offer?
The Health & Education Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are The Health & Education Credit Union rates updated?
RateAPI verifies The Health & Education Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get The Health & Education Credit Union's rate data?
Rate data is collected directly from The Health & Education Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are The Health & Education Credit Union's auto & motorcycle loan rates?
As of August 4, 2026, The Health & Education Credit Union offers vehicle loans from 3.99% APR.
What is The Health & Education Credit Union's HELOC rate?
As of August 4, 2026, The Health & Education Credit Union offers home equity lines of credit from 6.5% APR.
What is The Health & Education Credit Union's personal loan rate?
As of August 4, 2026, The Health & Education Credit Union offers personal loans from 2.5% APR.
What is The Health & Education Credit Union's best CD rate?
As of August 4, 2026, The Health & Education Credit Union offers savings and certificate (CD) yields up to 3.91% APY.
Related Rate Data
Compare The Health & Education Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack The Health & Education Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when Kentucky credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for The Health & Education Credit Union
curl "https://api.rateapi.dev/credit-unions/kentucky/the-health-education" \
-H "Authorization: Bearer YOUR_API_KEY"