H E A is an NCUA-insured credit union located in WARNER ROBINS, GA. New auto loan rates from 5.10% APR. Google rating: 4.3 out of 5 from 13 reviews.

H E a

121 OSIGIAN BLVD, Warner Robins, GA 31088

NCUA Insured4.3 (13 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1961

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Warner Robins, GA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1961

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

121 OSIGIAN BLVD

Warner Robins, GA 31088

Google Maps 🗺Waze

(478) 953-7477

Service Area

This credit union is located in Warner Robins and serves members in the GA area. Currently serving 2,893 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

5.10%

Used Auto Loan

6.60%

Personal Loan

14.00%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in GA

Lowest rates currently reported by credit unions in GA (NCUA Q1 2026).

Berrien Teachers— New Auto Loan

Nashville, GA

3.48%

Excel— Used Auto Loan

Norcross, GA

3.99%

On the Grid Financial— Personal Loan

Atlanta, GA

4.50%

Credit Union of Atlanta— Credit Card APR

Atlanta, GA

6.95%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Compare Rates in Warner Robins

See how H E A stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Warner Robins →Best Personal Loan Rates in Warner Robins →Best Credit Card Rates in Warner Robins →All Credit Unions in Warner Robins →

Member Reviews

4.3

13 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Deidre Williams

a year ago

In 25+ years, I have NEVER EVER had a disappointing experience with the kind folks who work for H.E.A. Federal Credit Union. Every single person I have encountered is OUTSTANDING. What's more, in a world where customer service seems to be a fast and fleeting thing of the past, the ladies and gentlemen who work here go out of their way to help customers every single day, and I am so glad that I decided to establish my account with them.

Laurie Atkins

4 years ago

I have been with them for about 25 years now and I have NEVER had a bad experience. They are all so sweet, both in person and on the phone. And trust me, lol, I bug them poor people to death on the phone. They are so awesome and are the absolute best. Thank you all so much for making me feel so welcomed and not like I am a bother to yall.