--- title: "Hello Credit Union Rates (Nov 2026): CDs to 0.50%" description: "Hello Credit Union rates today: savings & CDs up to 0.50% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Hello Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/hello" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Hello Credit Union Rates (Nov 2026): CDs to 0.50% ### Auto & vehicle rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 3.490% | — | Standard | | **New Auto See Note 1** auto_new | — APR | 3.490% | new | Standard | | **Used Auto See Note 1** auto_used | — APR | 3.990% | used | Standard | | **Motorcycle / Jet Ski Loan See Note 1** motorcycle | — APR | 7.990% | — | Standard | | **RV, Boat, & Motorcycle** rv | — APR | 7.990% | — | Standard | | **Older Used Auto (10 - 12 Model Years) See Note 1** auto_used | — APR | 7.990% | used | Standard | | **Recreational Vehicle (RV) - New See Note 2** rv_new | — APR | 8.990% | new | Standard | | **Boat Loan** boat | — APR | 8.990% | — | Standard | | **Recreational Vehicle (RV) - Used See Note 2** rv_used | — APR | 8.990% | used | Standard | Hello Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Go Green** personal | — APR | 10.990% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.990% | — | Standard | | **Standard Unsecured** personal_unsecured | — APR | 12.490% | — | Standard | | **Signature / Personal Line of Credit** ploc_variable | — APR | 12.490% | — | Standard | | **Freedom Loan (Debt Consolidation)** personal | — APR | 12.490% | — | Standard | | **BreEZy Cash Loan** personal | — APR | 18.000% | — | Standard | Hello Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 12.750% | — | Standard | Hello Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 17 offers | Product | Published | Rate | Term / condition | Status | | **Money Market** money_market | 0.15% APY | 0.15% | — | Standard | | **90-Day CD** cd | 0.50% APY | 0.50% | — | Standard | | **36-Month Certificate** cd_36mo | — APY | 1.50% | 36 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | — APY | 1.50% | 36 mo | Standard | | **IRA Certificate** ira_cd | — APY | 1.51% | — | Standard | | **48-Month Certificate** cd_48mo | — APY | 1.75% | 48 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | — APY | 1.75% | 48 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 1.98% | 6 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | — APY | 2.00% | 60 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 2.00% | 60 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 2.25% | 24 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | — APY | 2.25% | 24 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | — APY | 2.47% | 18 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 2.47% | 18 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 2.72% | 12 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 2.72% | 12 mo | Standard | | **7-Month Certificate** cd_7mo | — APY | 3.20% | 7 mo | Standard | Hello Credit Union savings & cd rates as of November 13, 2026 Savings and certificate yields up to 0.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/hello) , verified from [Hello Credit Union's official website](https://hellocu.com/) Loading branch locator… ## About Hello Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 10.7K Assets $159.3M Founded 1952 Locations reported 4 NCUA charter 63262 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Champions First** Panama City · Panama City · FL · 32405 Branch in the same ZIP](https://rateapi.dev/credit-unions/florida/champions-first) [**Panhandle** Panhandle Credit Union · Panama City · FL · 32405-4408 Branch in the same ZIP](https://rateapi.dev/credit-unions/florida/panhandle) [**Innovations Financial** Innovations FCU-West 23RD · Panama City · FL · 32405-3919 About 0.7 miles away](https://rateapi.dev/credit-unions/florida/innovations-financial) [**First Commerce** Stanford Centre Panama City Financial Center · Panama City · FL · 32405-3689 About 0.8 miles away](https://rateapi.dev/credit-unions/florida/first-commerce) [**Loyalty** Panama City · Panama City · FL · 32405-4406 About 1.2 miles away](https://rateapi.dev/credit-unions/florida/loyalty) [**Tyndall** Panama City · Panama City · FL · 32405-5312 About 1.5 miles away](https://rateapi.dev/credit-unions/florida/tyndall) 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 Hello Credit Union Membership eligibility from Hello Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Hello Credit Union's website. Check the membership page below to confirm whether you qualify. - Location bay, gulf, jackson, walton, washington, leon, gadsden, wakulla — FL - Employer Florida Department of Agriculture and Consumer Services (FDACS) - Association Florida Agriculture Museum, Friends of Florida State Forests, inc. Verified from [Hello Credit Union's membership page](https://www.hellocu.com/join-us) . Final membership determination is always made by the credit union. ## Membership rules for Hello Credit Union Geography 8 counties · Employers 2 · Associations 2 · Family 21 published paths to membership, last verified November 8, 2026, quoted from Hello Credit Union’s own published criteria. ### Geography 8 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Bay County, FL - Gadsden County, FL - Gulf County, FL - Jackson County, FL - Leon County, FL - Wakulla County, FL - Walton County, FL - Washington County, FL “Hello is a community credit union and welcomes our neighbors who live or work in: Bay, Gulf, Jackson, Walton, Washington, Leon, Gadsden, or Wakulla County, FL” > [source ↗](https://www.hellocu.com/join-us) ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of Florida Department of Agriculture and Consumer Services (FDACS) “Employees or Retirees of the Florida Department of Agriculture and Consumer Services (FDACS)” > [source ↗](https://www.hellocu.com/join-us) - Employee of Florida Department of Agriculture and Consumer Services (FDACS) - Retired employee of Florida Department of Agriculture and Consumer Services (FDACS) “Employees or Retirees of the Florida Department of Agriculture and Consumer Services (FDACS)” > [source ↗](https://www.hellocu.com/join-us) - Retiree of Florida Department of Agriculture and Consumer Services (FDACS) ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Member of Florida Agriculture Museum “Members of the Florida Agriculture Museum and the Friends of Florida State Forests, inc.” > [source ↗](https://www.hellocu.com/join-us) - Member of Florida Agriculture Museum - Member of Friends of Florida State Forests, inc. “Members of the Florida Agriculture Museum and the Friends of Florida State Forests, inc.” > [source ↗](https://www.hellocu.com/join-us) - Member of Friends of Florida State Forests, inc. ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member family “Family members of current members” > [source ↗](https://www.hellocu.com/join-us) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Hello Credit Union? Yes No ## Work at Hello 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 Hello Credit Union ranks against Florida peers. - See which AI assistants fetched Hello Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Florida - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=hello&state=florida&code=FL&name=Hello%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Hello Credit Union offer? Hello Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Hello Credit Union rates updated? RateAPI verifies Hello Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Hello Credit Union's rate data? Rate data is collected directly from Hello Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Hello Credit Union's best CD rate? As of November 13, 2026, Hello Credit Union offers savings and certificate (CD) yields up to 0.50% APY. ### Who can join Hello Credit Union? Hello Credit Union publishes its membership criteria on its own website. RateAPI tracks 21 published membership paths covering 8 counties, 2 employers and 2 associations for Hello Credit Union, each quoted from Hello Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Hello Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida auto loan rate leaders](https://rateapi.dev/auto-loan-rates/florida) [Florida personal loan leaders](https://rateapi.dev/personal-loan-rates/florida) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://hellocu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Hello Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Florida credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Hello Credit Union curl "https://api.rateapi.dev/credit-unions/florida /hello " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Hello Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/florida/hello Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp