Credit union · NCUA insured
The Health and Education Federal Credit Union
A $125.3M credit union headquartered in Lexington, KY, with 12,288 members and 2 branches in Kentucky. Best rates: CDs 3.91% and savings 2.25% APY.
The Health and Education Federal Credit Union Carrot Score
66
Carrot Score
Higher than 17% of U.S. banks and credit unions
#19 of 25 in Lexington, KY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About The Health and Education Federal Credit Union
Started in 1956 to serve employees of Fayette County Schools, The Health and Education Federal Credit Union is a member-owned financial institution.
The credit union expanded to serve surrounding county school systems, colleges including Georgetown College and Transylvania University, and health groups such as Central Baptist Hospital and Saint Joseph Hospital.
- Headquarters
- 424 Park Pl, Lexington, KY 40511-1829
- NCUA charter
- 10800
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of certain employer groups are eligible for membership.
Family and household
- Immediate family members of current credit union members (spouses, children, siblings, parents, grandchildren, grandparents, and adoptive relationships) are eligible for membership.
Cost to join
- The minimum balance required on savings accounts is $25.00 with no fees.
Branches
2 branches in Kentucky
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Kentucky
2 branches
- Main OfficeMain office424 Park Pl, Lexington, KY 40511Directions
- Pasadena Branch185 Pasadena Dr Ste 155, Lexington, KY 40503Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.66% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.23% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.90% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $43 | $76 | — |
- CapitalNet worth ratio17.66%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.23%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.90%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$43Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of The Health and Education Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.