--- title: "Hapo Community Credit Union Rates (Nov 2026): Mortgage 7.94%" description: "Hapo Community Credit Union rates today: mortgage 7.94% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Hapo Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/washington/hapo-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Hapo Community Credit Union Rates (Nov 2026): Mortgage 7.94% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **15-Year < 85% LTV** other | 7.943% APR | 7.625% | — | Standard | | **10-Year < 85% LTV** other | 8.070% APR | 7.625% | — | Standard | | **5-Year < 70% LTV** other | 8.370% APR | 7.875% | — | Standard | | **5-Year < 80% LTV** other | 8.879% APR | 8.375% | — | Standard | Hapo Community Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Auto/Motorcycle** motorcycle | — APR | 5.490% | — | Standard | | **Boat, Motorhome, Travel Trailer** boat | — APR | 7.990% | — | Standard | | **All-Terrain, Off-Road Vehicle** powersports | — APR | 8.490% | — | Standard | Hapo Community Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Secured Loans (Certificates, Share Accounts, Money Market Accounts)** personal_secured | — APR | 3.000% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.990% | — | Standard | | **Timeline** personal | — APR | 16.000% | — | Standard | | **Shared Secured** personal_secured | — APR | 22.990% | — | Standard | Hapo Community Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 14.000% | — | Standard | | **Youth Credit Card** credit_card | — APR | 18.000% | — | Standard | Hapo Community Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Certificate** cd_60mo | — APY | 3.21% | 60 mo | Standard | | **30-Month Certificate** cd_30mo | — APY | 3.21% | 30 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.21% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.21% | 48 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.55% | 6 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.75% | 24 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.94% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 4.04% | 18 mo | Standard | Hapo Community Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Hapo Community Credit Union offers mortgage rates from 7.943% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/washington/hapo-community) , verified from [Hapo Community Credit Union's official website](https://www.hapo.org/) Best product position **Room to improve vs. the Washington median** 15-year fixed mortgage Gap to state best **136 bp** 136 bp from state best Vs. state median **140 bp behind median** 15-year fixed mortgage Products ranked **1** across tracked Washington markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 15-year fixed mortgage | 7.94% | Room to improve vs. the Washington median | 136 bp from state best | 140 bp behind median | Published rate position by product as of November 12, 2026 This is the public snapshot. Claim Hapo Community Credit Union'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=hapo-community&state=washington&code=WA&name=Hapo%20Community%20Credit%20Union) Loading branch locator… ## About Hapo Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 213.2K Assets $3.1B Founded 1953 Locations reported 26 NCUA charter 68239 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 - First-time homebuyer program - Bilingual services - 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. [**Gesa** Richland (Goethals) · Richland · WA · 99352 About 3.7 miles away](https://rateapi.dev/credit-unions/washington/gesa) [**Spokane Teachers** Spokane Teachers Credit Union - Queensgate Branch · Richland · WA · 99352 About 4.9 miles away](https://rateapi.dev/credit-unions/washington/spokane-teachers) [**Numerica** Richland · Richland · WA · 99352-6103 About 5.2 miles away](https://rateapi.dev/credit-unions/washington/numerica) [**Idaho Central** Richland · Richland · WA · 99352 About 5.2 miles away](https://rateapi.dev/credit-unions/idaho/idaho-central) [**Self-Help** Pasco · Pasco · WA · 99301 About 10.2 miles away](https://rateapi.dev/credit-unions/north-carolina/self-help) [**Tri-Cities Community** Main Office · Kennewick · WA · 99337 About 11.4 miles away](https://rateapi.dev/credit-unions/washington/tri-cities-community) 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 Hapo Community Credit Union Membership eligibility from Hapo Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Hapo Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location clackamas, clatsop, columbia, gilliam, hood river, morrow, multnomah, sherman, umatilla, union, wasco, washington, boundary, bonner, shoshone, kootenai, benewah, lewis, nez perce, latah — WA, OR, ID Verified from [Hapo Community Credit Union's membership page](https://www.hapo.org/hapo-about/membership) . Final membership determination is always made by the credit union. ## Membership rules for Hapo Community Credit Union Geography 20 counties 52 published paths to membership, last verified August 27, 2026, quoted from Hapo Community Credit Union’s own published criteria. ### Geography 21 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Benewah County, ID - Bonner County, ID - Boundary County, ID - Clackamas County, OR - Clatsop County, OR - Columbia County, OR - Gilliam County, OR - Hood River County, OR - Kootenai County, ID - Latah County, ID - Lewis County, ID - Morrow County, OR - Multnomah County, OR - Nez Perce County, ID - Sherman County, OR - Shoshone County, ID - Umatilla County, OR - Union County, OR - WA - Wasco County, OR - Washington County, OR “You or a family member, live, work, worship or attend school in Washington state.” > [source ↗](https://www.hapo.org/hapo-about/membership) 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 Hapo Community Credit Union? Yes No ## Work at Hapo Community 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 Hapo Community Credit Union ranks against Washington peers. - See which AI assistants fetched Hapo Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Washington - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=hapo-community&state=washington&code=WA&name=Hapo%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Hapo Community Credit Union offer? Hapo Community Credit Union currently offers mortgage, vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Hapo Community Credit Union rates updated? RateAPI verifies Hapo Community 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 Hapo Community Credit Union's rate data? Rate data is collected directly from Hapo Community 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 Hapo Community Credit Union's mortgage rate? As of November 12, 2026, Hapo Community Credit Union offers mortgage rates from 7.943% APR. ### Who can join Hapo Community Credit Union? Hapo Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 52 published membership paths covering 20 counties for Hapo Community Credit Union, each quoted from Hapo Community Credit Union's own published membership criteria. ## Related Rate Data Compare Hapo Community Credit Union's rates against national credit-union benchmarks. [More Washington credit unions](https://rateapi.dev/credit-unions/washington) [Washington mortgage rate leaders](https://rateapi.dev/mortgage-rates/washington) [Washington auto loan rate leaders](https://rateapi.dev/auto-loan-rates/washington) [Washington personal loan leaders](https://rateapi.dev/personal-loan-rates/washington) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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://www.hapo.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 Hapo Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Washington 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 Hapo Community Credit Union curl "https://api.rateapi.dev/credit-unions/washington /hapo-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Hapo Community Credit Union locations Search, filter, and browse all 26 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/washington/hapo-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp