--- title: "Hampton Roads Educ Credit Union Inc Rates (Nov 2026): Mortgage 6.54%" description: "Hampton Roads Educ Credit Union Inc rates today: 30 year fixed mortgage 6.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Hampton Roads Educ Credit Union Inc — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/virginia/hampton-roads-educ-credit-union-inc" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Hampton Roads Educ Credit Union Inc Rates (Nov 2026): Mortgage 6.54% ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.535% APR | 6.375% | — | Standard | | **30-Year Fixed** 30 year fixed | 6.662% APR | 6.500% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.948% APR | 6.250% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.225% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.387% APR | 6.125% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.586% APR | 6.375% | — | Standard | Hampton Roads Educ Credit Union Inc mortgage rates as of November 12, 2026 As of November 12, 2026, Hampton Roads Educ Credit Union Inc offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/virginia/hampton-roads-educ-credit-union-inc) , verified from [Hampton Roads Educ Credit Union Inc's official website](https://www.hrecu.org/) Best product position **Better than the Virginia median** 30-year fixed mortgage Gap to state best **23 bp** 23 bp from state best Vs. state median **41 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Virginia markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | Better than the Virginia median | 23 bp from state best | 41 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Hampton Roads Educ Credit Union Inc's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=hampton-roads-educ-credit-union-inc&state=virginia&code=VA&name=Hampton%20Roads%20Educ%20Credit%20Union%20Inc) Loading branch locator… ## About Hampton Roads Educ Credit Union Inc Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.5K Assets $46.5M Founded 1954 Locations reported 3 NCUA charter 66913 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 counseling - Financial education - Student scholarships 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. [**Bayport** Hampton Branch · Hampton · VA · 23666-2405 Branch in the same ZIP](https://rateapi.dev/credit-unions/virginia/bayport) [**Navy Federal Credit Union** Hampton VA · Hampton · VA · 23666 About 0.4 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**1st Advantage** Town Center Branch · Hampton · VA · 23666 About 1.4 miles away](https://rateapi.dev/credit-unions/virginia/1st-advantage) [**Langley FCU** Coliseum Branch · Hampton · VA · 23666-3300 About 1.7 miles away](https://rateapi.dev/credit-unions/virginia/langley-fcu) [**Virginia Educators Credit Union** Main Street Office · Newport News · VA · 23605 About 2.6 miles away](https://rateapi.dev/credit-unions/virginia/virginia-educators-credit-union) [**Healthcare Systems** Hampton VA · Hampton · VA · 23669 About 3.8 miles away](https://rateapi.dev/credit-unions/virginia/healthcare-systems) 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 Hampton Roads Educ Credit Union Inc Membership eligibility from Hampton Roads Educ Credit Union Inc's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Hampton Roads Educ Credit Union Inc's website. Check the membership page below to confirm whether you qualify. - Employer Gloucester County Schools, Gloucester Municipal Employees, Hampton City Schools, Isle of Wight County Schools, Mathews County Schools, Middlesex County Schools, Poquoson Schools, Surry County Schools, Williamsburg/James City County Schools - School Virginia Peninsula Community College, Hampton University, Rappahannock Community College Verified from [Hampton Roads Educ Credit Union Inc's membership page](https://www.hrecu.org/About-Us/How-to-Join) . Final membership determination is always made by the credit union. ## Membership rules for Hampton Roads Educ Credit Union Inc Employers 17 · Schools 3 · Family 21 published paths to membership, last verified August 27, 2026, quoted from Hampton Roads Educ Credit Union Inc’s own published criteria. ### Employers 17 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Gloucester County Schools “You are eligible to join Hampton Roads Educators Credit Union, Inc. if you are a school system retiree, teacher, staff, student, or parent of a student currently attending school in the following cities and counties: Gloucester County Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Employee of Gloucester County Schools - Employee of Gloucester Municipal Employees “Gloucester Municipal Employees” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Employee of Gloucester Municipal Employees - Employee of Hampton City Schools “Hampton City Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Employee of Hampton City Schools - Employee of Isle of Wight County Schools “Isle of Wight County Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Employee of Isle of Wight County Schools - Employee of Mathews County Schools “Mathews County Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Employee of Mathews County Schools - Employee of Middlesex County Schools “Middlesex County Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Employee of Middlesex County Schools - Employee of Poquoson Schools “Poquoson Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Employee of Poquoson Schools - Employee of Surry County Schools “Surry County Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Employee of Surry County Schools - Employee of Williamsburg/James City County Schools “Williamsburg/James City County Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Employee of Williamsburg/James City County Schools - Retired employee of Gloucester County Schools “Gloucester County Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Retiree of Gloucester County Schools - Retired employee of Hampton City Schools “Hampton City Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Retiree of Hampton City Schools - Retired employee of Isle of Wight County Schools “Isle of Wight County Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Retiree of Isle of Wight County Schools - Retired employee of Mathews County Schools “Mathews County Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Retiree of Mathews County Schools - Retired employee of Middlesex County Schools “Middlesex County Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Retiree of Middlesex County Schools - Retired employee of Poquoson Schools “Poquoson Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Retiree of Poquoson Schools - Retired employee of Surry County Schools “Surry County Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Retiree of Surry County Schools - Retired employee of Williamsburg/James City County Schools “Williamsburg/James City County Schools” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Retiree of Williamsburg/James City County Schools ### Schools 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Student of Virginia Peninsula Community College “Virginia Peninsula Community College” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Student at Virginia Peninsula Community College - Student of Hampton University “Hampton University” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Student at Hampton University - Student of Rappahannock Community College “Rappahannock Community College” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Student at Rappahannock Community College ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member family member “A family member or co-worker who is currently a member may also refer you.” > [source ↗](https://www.hrecu.org/About-Us/How-to-Join) - Family member (family member) 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 Hampton Roads Educ Credit Union Inc? Yes No ## Work at Hampton Roads Educ Credit Union Inc? 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 Hampton Roads Educ Credit Union Inc ranks against Virginia peers. - See which AI assistants fetched Hampton Roads Educ Credit Union Inc’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=hampton-roads-educ-credit-union-inc&state=virginia&code=VA&name=Hampton%20Roads%20Educ%20Credit%20Union%20Inc) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Hampton Roads Educ Credit Union Inc offer? Hampton Roads Educ Credit Union Inc currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Hampton Roads Educ Credit Union Inc rates updated? RateAPI verifies Hampton Roads Educ Credit Union Inc'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 Hampton Roads Educ Credit Union Inc's rate data? Rate data is collected directly from Hampton Roads Educ Credit Union Inc's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Hampton Roads Educ Credit Union Inc's mortgage rate? As of November 12, 2026, Hampton Roads Educ Credit Union Inc offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Hampton Roads Educ Credit Union Inc? Hampton Roads Educ Credit Union Inc publishes its membership criteria on its own website. RateAPI tracks 21 published membership paths covering 17 employers and 3 schools for Hampton Roads Educ Credit Union Inc, each quoted from Hampton Roads Educ Credit Union Inc's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Hampton Roads Educ Credit Union Inc's rates against national credit-union benchmarks. [More Virginia credit unions](https://rateapi.dev/credit-unions/virginia) [Virginia mortgage rate leaders](https://rateapi.dev/mortgage-rates/virginia) [Mortgage rate benchmark](https://rateapi.dev/mortgage-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.hrecu.org/) ### 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 Hampton Roads Educ Credit Union Inc rates Get a free API key to query these rates programmatically, or get the daily email when Virginia 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 Hampton Roads Educ Credit Union Inc curl "https://api.rateapi.dev/credit-unions/virginia /hampton-roads-educ-credit-union-inc " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Hampton Roads Educ Credit Union Inc locations Search, filter, and browse all 3 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/virginia/hampton-roads-educ-credit-union-inc Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp