Houston Credit Union

16320 Kensington Drive
Sugar Land, TX 774794097
www.houstonfcu.org

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Houston Credit Union is headquartered in Sugar Land and is the 35^th largest credit union in the state of Texas. It is also the 458^th largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 113 employees and 46,335 members. Houston Credit Union has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Houston Credit Union Checking Account Rates

Apy	Min	Max	Product
0.05%	-	-	Flexible Checking Account
0.05%	-	-	Classic Business Checking Account
0.05%	-	-	Platinum Business Checking Account
0.00%	-	-	Free Business Checking Account

Houston Credit Union Savings Account Rates

Apy	Min	Max	Product
0.40%	$100k	-	IRA Share
0.40%	$100k	-	Roth IRA Share
0.40%	$100k	-	CESA Share
0.20%	-	-	Health Saving Account
0.10%	$100k	-	Share Rate Account
0.05%	-	-	Vacation Club Account
0.05%	-	-	Holiday Club Account

Houston Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$100k	-	Insured Money Market Rate Account

Houston Credit Union CD Rates

Apy	Min	Max	Product
1.87%	$100k	-	60 Month Jumbo CD
1.75%	$500	-	60 Month CD
1.37%	$100k	-	48 Month Jumbo CD
1.25%	$500	-	48 Month CD
1.22%	$100k	-	36 Month Jumbo CD
1.10%	$500	-	36 Month CD
0.92%	$100k	-	30 Month Jumbo CD
0.87%	$100k	-	24 Month Jumbo CD
0.80%	$500	-	30 Month CD
0.77%	$100k	-	18 Month Jumbo CD
0.75%	$500	-	24 Month CD
0.72%	$100k	-	12 Month Jumbo CD
0.65%	$500	-	18 Month CD
0.60%	$500	-	12 Month CD
0.52%	$100k	-	6 Month Jumbo CD
0.40%	$500	-	6 Month CD
0.25%	$7,500	-	7 Day CD

Houston Credit Union IRA Rates

Apy	Min	Max	Product
1.87%	$100k	-	60 Month Jumbo IRA
1.87%	$100k	-	60 Month Jumbo Roth IRA
1.87%	$100k	-	60 Month Jumbo CESA
1.75%	$500	-	60 Month IRA
1.75%	$500	-	60 Month Roth IRA
1.75%	$500	-	60 Month CESA
1.37%	$100k	-	48 Month Jumbo IRA
1.37%	$100k	-	48 Month Jumbo Roth IRA
1.37%	$100k	-	48 Month Jumbo CESA
1.25%	$500	-	48 Month IRA
1.25%	$500	-	48 Month Roth IRA
1.25%	$500	-	48 Month CESA
1.22%	$100k	-	36 Month Jumbo IRA
1.22%	$100k	-	36 Month Jumbo Roth IRA
1.22%	$100k	-	36 Month Jumbo CESA
1.10%	$500	-	36 Month IRA
1.10%	$500	-	36 Month Roth IRA
1.10%	$500	-	36 Month CESA
0.92%	$100k	-	30 Month Jumbo IRA
0.92%	$100k	-	30 Month Jumbo Roth IRA
0.92%	$100k	-	30 Month Jumbo CESA
0.87%	$100k	-	24 Month Jumbo IRA
0.87%	$100k	-	24 Month Jumbo Roth IRA
0.87%	$100k	-	24 Month Jumbo CESA
0.80%	$500	-	30 Month IRA
0.80%	$500	-	30 Month Roth IRA
0.80%	$500	-	30 Month CESA
0.77%	$100k	-	18 Month Jumbo IRA
0.77%	$100k	-	18 Month Jumbo Roth IRA
0.77%	$100k	-	18 Month Jumbo CESA
0.75%	$500	-	24 Month IRA
0.75%	$500	-	24 Month Roth IRA
0.75%	$500	-	24 Month CESA
0.72%	$100k	-	12 Month Jumbo IRA
0.72%	$100k	-	12 Month Jumbo Roth IRA
0.72%	$100k	-	12 Month Jumbo CESA
0.65%	$500	-	18 Month IRA
0.65%	$500	-	18 Month Roth IRA
0.65%	$500	-	18 Month CESA
0.60%	$500	-	12 Month IRA
0.60%	$500	-	12 Month Roth IRA
0.60%	$500	-	12 Month CESA
0.52%	$100k	-	6 Month Jumbo IRA
0.52%	$100k	-	6 Month Jumbo Roth IRA
0.52%	$100k	-	6 Month Jumbo CESA
0.40%	$500	-	6 Month IRA
0.40%	$500	-	6 Month Roth IRA
0.40%	$500	-	6 Month CESA
0.40%	$500	-	6 Month Roth CESA
0.25%	$7,500	-	7 Day IRA
0.25%	$7,500	-	7-30 Day Roth IRA
0.25%	$7,500	-	7 Day CESA

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

HOUSTON
NCUA #	14091
BankRate Report	View
Year Chartered	1960
Employees	113
Primary Regulator
Assets and Liabilities
Assets	$428.85 million
Loans	$196.73 million
Deposits	$394.56 million
Equity Capital	$29.20 million
Loan Loss Allowance	$849,000
Unbacked Noncurrent Loans	$437,000
Real Estate Owned	$114,000
Historic Data - December 2010
Assets	$412.62 million
Equity Capital	$27.46 million
Loan Loss Allowance	$979,000
Unbacked Noncurrent Loans	$799,000
Profit Margin - Quarterly
Net Interest Margin	4.74%
Return on Assets	0.41%
Return on Equity	5.95%
Interest Income	$12.71 million
Non-Interest Income	$4.55 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Houston Credit Union had $551,000 in non-current loans and owned real-estate with $30.05 million in equity and loan loss allowances on hand to cover it. This gives Houston Credit Union a Texas Ratio of 1.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Houston Credit Union decreased slightly from 2.81% as of December 31, 2010 to 1.83% as of December 31, 2011, resulting in a positive change of 34.73%.This indicates that the balance sheet and financial strength for Houston Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Houston Credit Union has increased its total deposits by $12.09 million, resulting in 3.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Houston Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Houston Credit Union has $428.85 million in assets with $30.05 million in equity, resulting in a capitalization level of 7.01%, which is below average.

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