--- title: "The Health & Education Credit Union Rates - Kentucky" description: "Current vehicle loan, heloc, personal loan, and savings & cd rates from The Health & Education Credit Union in Kentucky. Updated daily with source verification. See who can join The Health & Education Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/kentucky/the-health-education" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # The Health & Education Credit Union Rates - Kentucky ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **48-Month New Auto Loan** auto_new_48mo | — APR | 3.990% | 48 mo · new | Standard | | **Used Auto Loan** auto_used | — APR | 3.990% | used | Standard | | **60-Month New Auto Loan** auto_new_60mo | — APR | 4.490% | 60 mo · new | Standard | | **75-Month New Auto Loan** auto_new_75mo | — APR | 4.990% | 75 mo · new | Standard | | **84-Month New Auto Loan** auto_new_84mo | — APR | 5.490% | 84 mo · new | Standard | | **Motorcycles, Boats, & RVs** motorcycle | — APR | 7.490% | — | Standard | The Health & Education Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.500% | — | Standard | The Health & Education Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 2.500% | — | Standard | | **36-Month Signature Loan** personal_unsecured_36mo | — APR | 11.900% | 36 mo | Standard | The Health & Education Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Tier 3** savings | 2.00% APY | 1.98% | — | Context only | | **Tier 2** savings | 2.25% APY | 2.23% | — | Context only | | **Tier 1** savings | 2.50% APY | 2.48% | — | Context only | | **48-Month Certificate** cd_48mo | 2.50% APY | 2.48% | 48 mo | Context only | | **60-Month Certificate** cd_60mo | 2.50% APY | 2.48% | 60 mo | Context only | | **36-Month Certificate** cd_36mo | 3.03% APY | 3.00% | 36 mo | Context only | | **24-Month Certificate** cd_24mo | 3.29% APY | 3.25% | 24 mo | Context only | | **12-Month Certificate** cd_12mo | 3.91% APY | 3.85% | 12 mo | Context only | The Health & Education Credit Union savings & cd rates as of November 12, 2026 The Health & Education Credit Union is a credit union in Kentucky. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/kentucky/the-health-education) , verified from [The Health & Education Credit Union's official website](https://www.thefcu.com/) Best statewide position **#1 of 9** Used Auto Loan (best offer, cars) Percentile band **Top 12%** among comparable KY offers Products tracked **5** in this dated snapshot Best-position spread **76 bp better than state median** State market leader | 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 | Published rate position by comparable product on August 1, 2026 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](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. [**Metro Plus** Main Office · Lexington · KY · 40511 About 3.9 miles away](https://rateapi.dev/credit-unions/kentucky/metro-plus) [**Members Heritage** Park Place · Lexington · KY · 40511-1829 About 5.1 miles away](https://rateapi.dev/credit-unions/kentucky/members-heritage) [**Lexington Postal Community** LPCCU Main · Lexington · KY · 40511 About 6.3 miles away](https://rateapi.dev/credit-unions/kentucky/lexington-postal-community) [**Commonwealth** Georgetown West Branch · Georgetown · KY · 40324-7400 About 6.6 miles away](https://rateapi.dev/credit-unions/kentucky/commonwealth) [**Kue** Main Office · Lexington · KY · 40507-1428 About 7.0 miles away](https://rateapi.dev/credit-unions/kentucky/kue) [**University of Kentucky** Frederick Douglass High School · Lexington · KY · 40505-4800 About 7.0 miles away](https://rateapi.dev/credit-unions/kentucky/university-of-kentucky) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on The Health & Education Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [The Health & Education Credit Union's membership page](https://www.thefcu.com/Eligibility/) . Final membership determination is always made by the credit union. ## Membership rules for The Health & Education Credit Union Family 1 published path to membership, last verified November 8, 2026, quoted from The Health & Education Credit Union’s own published criteria. ### 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 spouse, child, sibling, parent, grandchild, grandparent “Immediate family of current THE ® Credit Union can join! Spouses, children, siblings, parents, grandchildren, grandparents and adoptive relationships.” > [source ↗](https://www.thefcu.com/Eligibility/) - Family member (spouse, child, sibling, parent, grandchild, grandparent) 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 The Health & Education Credit Union? Yes No ## 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. - See which AI assistants fetched The Health & Education Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Kentucky - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=the-health-education&state=kentucky&code=KY&name=The%20Health%20%26%20Education%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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. ### Who can join The Health & Education Credit Union? The Health & Education Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path for The Health & Education Credit Union, each quoted from The Health & Education Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare The Health & Education Credit Union's rates against national credit-union benchmarks. [More Kentucky credit unions](https://rateapi.dev/credit-unions/kentucky) [Kentucky auto loan rate leaders](https://rateapi.dev/auto-loan-rates/kentucky) [Kentucky HELOC rate leaders](https://rateapi.dev/heloc-rates/kentucky) [Kentucky personal loan leaders](https://rateapi.dev/personal-loan-rates/kentucky) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [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://www.thefcu.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 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. 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 The Health & Education Credit Union curl "https://api.rateapi.dev/credit-unions/kentucky /the-health-education " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## The Health & Education Credit Union locations Search, filter, and browse all 2 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/kentucky/the-health-education Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp