Houston Belt & Terminal Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.60%	1-year CD	1 Year CD 1.40% - Synchrony Bank 12 Month CD
0.25%	Savings	Share Savings 1.20% - Goldman Sachs Bank USA Online Savings
1.01%	3-year CD	3 Year CD 1.85% - Synchrony Bank 36 Month CD

View all Houston Belt & Terminal Federal Credit Union rates »

Overview / Commentary

hbtfcu.com

281-548-3377

9810 Fm 1960 Bypass Rd W Ste 105
Humble, TX 77338

Houston Belt & Terminal Federal Credit Union is headquartered in Humble and is the 417^th largest credit union in the state of Texas. It is also the 4,985^th largest credit union in the nation. It was established in 1949 and as of March of 2017, it had grown to 2 employees and 578 members at 1 location. Houston Belt & Terminal Federal Credit Union's money market rates are 14% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Must be employed by Union Pacific Railroad, BNSF, Pileco or be an immediate family member of an existing member.
See current membership details

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Health

C+

Data as of Q1 2017

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Houston Belt & Terminal Federal Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #	6318
Year Chartered	1949
Employees	2
Primary Regulator

Profit Margin
Return on Assets - YTD	0.86%
Return on Equity - YTD	3.59%
Annual Interest Income	$52.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$4.2MM$4.2MM
Loans	Q1 2017vs Q1 2016	$2.2MM$2.3MM
Deposits	Q1 2017vs Q1 2016	$3.2MM$3.2MM
Equity Capital	Q1 2017vs Q1 2016	$1.0MM$934.00K
Loan Loss Allowance	Q1 2017vs Q1 2016	$6.00K$14.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$0$0
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Houston Belt & Terminal Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$500	-	Share Savings
0.25%	-	-	Christmas Club
0.25%	$500	-	Vacation Club

Houston Belt & Terminal Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$5k^*	-	Money Market
OTHER TIERS: 0.25% → $500 - $5k

Houston Belt & Terminal Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$500	-	Share Draft

Houston Belt & Terminal Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.01%	$2k	-	3 Year CD
0.80%	$2k	-	2 Year CD
0.60%	$2k	-	1 Year CD

Locations

Houston Belt & Terminal Federal Credit Union Locations
Branch Office	9810 FM 1960 Bypass Rd W Ste 105	Humble, TX 77338-3573