Houston Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 3.05% | 5-year CD | 3.00% - Discover Bank 5 Year CD |
| 2.10% | 1-year CD | 2.65% - Discover Bank 12 Month CD |
| 0.10% | Savings | 2.20% - Barclays Online Savings Account |
Houston Federal Credit Union is headquartered in Sugar Land and is the 38th largest credit union in the state of Texas. It is also the 454th largest credit union in the nation. It was established in 1960 and as of December of 2018, it had grown to 155 employees and 58,997 members at 12 locations. Houston Federal Credit Union's money market rates are 3X the national average, and it has a B+ health rating.
Field of Membership Restrictions
Houston Federal Credit Union is open to: (1) those who reside, worship, attend school, or work in Houston, TX or live in the communities of Belknap, Highlands, or Brookside in Sugar Land; (2) employees of Fluor Corp, HPQ, Association of Hewlett Packard Employees Inc., the Houston Zoo Inc., Liberty Tax Service or one of the more than 200 Partner groups (a complete list is found on the credit union's website); and (3) family and household members of credit union members.
See current membership details
Excellent Credit Union
The credit union really has everything you could ask for. Their workers are super polite and very helpful, the service I receive from them is increasingly pleasant, and they have many locations so they're always nearby. I have never had any issues with any payments or errors on any of my statements and any time there is something suspicious on my account, they contact me immediately and let me know the situation. I would highly recommend this credit union.
Customer Service Is Lacking
Good luck if you want to get someone to talk to you on the phone about your account. After answering several pesonal quetsions by the "answering pool", I was told to leave a message or call back.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 14091 |
| Year Chartered | 1960 |
| Employees | 155 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.87% |
| Return on Equity - YTD | 9.76% |
| Annual Interest Income | $20.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $645.8MM$636.6MM |
| Loans | Q4 2018vs Q4 2017 | $417.2MM$395.3MM |
| Deposits | Q4 2018vs Q4 2017 | $582.2MM$578.3MM |
| Equity Capital | Q4 2018vs Q4 2017 | $57.1MM$51.6MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $1.6MM$1.8MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $724.00K$765.00K |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not Houston Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Houston Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.10%* | $100k* | - | IRA Share | ||
| OTHER TIERS: 0.70% → Up to $100k | |||||
| 0.70% | - | - | Health Savings Account | ||
| 0.55% | - | - | Vacation Club Account | ||
| 0.55% | - | - | Holiday Club Account | ||
| 0.10%* | $100k* | - | Share Rate Account | ||
| OTHER TIERS: 0.05% → Up to $20k | 0.08% → $20k - $100k | |||||
Houston Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.10%* | $100k* | - | Insured Money Market Rate Account | ||
| OTHER TIERS: 0.55% → $2k - $10k | 0.60% → $10k - $20k | 0.70% → $20k - $40k | 0.90% → $40k - $100k | |||||
Houston Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.03% | - | - | Flexible Checking Account | |
| 0.03% | - | - | Platinum Business Checking Account | |
| 0.02% | - | - | Classic Business Checking Account |
Houston Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.05% | $500 | - | >60 Month CD | |
| 3.05% | $100k | - | >60 Month Jumbo CD | |
| 2.75% | $500 | - | 48 - <60 Month CD | |
| 2.75% | $100k | - | 48 - <60 Month Jumbo CD | |
| 2.60% | $500 | - | 36 - <48 Month CD | |
| 2.60% | $100k | - | 36 - <48 Month Jumbo CD | |
| 2.45% | $500 | - | 30 - <36 Month CD | |
| 2.45% | $100k | - | 30 - <36 Month Jumbo CD | |
| 2.40% | $500 | - | 24 - <30 Month CD | |
| 2.40% | $100k | - | 24 - <30 Month Jumbo CD | |
| 2.20% | $500 | - | 18 - <24 Month CD | |
| 2.20% | $100k | - | 18 - <24 Month Jumbo CD | |
| 2.10% | $500 | - | 12 - <18 Month CD | |
| 2.10% | $100k | - | 12 - <18 Month Jumbo CD | |
| 1.75% | $500 | - | 6 - <12 Month CD | |
| 1.75% | $100k | - | 6 - <12 Month Jumbo CD | |
| 0.95% | $7.5k | - | 7 - 91 Day CD |
Houston Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.17% | $500 | - | >60 Month IRA | |
| 3.17% | $100k | - | >60 Month Jumbo IRA | |
| 2.87% | $500 | - | 48 - <60 Month IRA | |
| 2.87% | $100k | - | 48 - <60 Month Jumbo IRA | |
| 2.72% | $500 | - | 36 - <48 Month IRA | |
| 2.72% | $100k | - | 36 - <48 Month Jumbo IRA | |
| 2.57% | $500 | - | 30 - <36 Month IRA | |
| 2.57% | $100k | - | 30 - <36 Month Jumbo IRA | |
| 2.52% | $500 | - | 24 - <30 Month IRA | |
| 2.52% | $100k | - | 24 - <30 Month Jumbo IRA | |
| 2.32% | $500 | - | 18 - <24 Month IRA | |
| 2.32% | $100k | - | 18 - <24 Month Jumbo IRA | |
| 2.22% | $500 | - | 12 - <18 Month IRA | |
| 2.22% | $100k | - | 12 - <18 Month Jumbo IRA | |
| 1.88% | $500 | - | 6 - <12 Month IRA | |
| 1.88% | $100k | - | 6 - <12 Month Jumbo IRA |
