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Overview / Commentary
866-687-4328
16320 Kensington Dr
Sugar Land, TX 77479-4097

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 442nd largest credit union in the nation. It was established in 1960 and as of December of 2017, it had grown to 142 employees and 58,028 members at 12 locations. Houston Federal Credit Union's CD rates are 30% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Houston, Texas and select other communities. Membership is also open to employees of select businesses or to family members of existing members.
See current membership details

Reviews (2)

Excellent Credit Union

Posted by: dakunism | Mar 29, 2014

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

Posted by: mich53 | Sep 18, 2013

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.



Health

Health Grade Components

Overall
NCUA #14091
Year Chartered1960
Employees142
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD9.03%
Annual Interest Income$17.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$636.6MM$604.9MM
LoansQ4 2017vs Q4 2016$395.3MM$373.8MM
DepositsQ4 2017vs Q4 2016$578.3MM$551.2MM
Equity CapitalQ4 2017vs Q4 2016$51.6MM$47.0MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.8MM$1.6MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$765.00K$1.6MM
Real Estate OwnedQ4 2017vs Q4 2016$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-IRA Share
OTHER TIERS: 0.30% Up to $100k
0.30%--Health Savings Account
0.23%--Vacation Club Account
0.23%--Holiday Club Account
0.08%*$100k*-Share Rate Account
OTHER TIERS: 0.04% Up to $20k | 0.06% $20k - $100k

Houston Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-Insured Money Market Rate Account
OTHER TIERS: 0.23% $2k - $10k | 0.27% $10k - $20k | 0.30% $20k - $40k | 0.40% $40k - $100k

Houston Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%--Platinum Business Checking Account
0.01%--Flexible Checking Account
0.01%--Classic Business Checking Account

Houston Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.42%$100k->60 Month Jumbo CD
2.30%$500->60 Month CD
2.02%$100k-48 - <60 Month Jumbo CD
1.90%$500-48 - <60 Month CD
1.87%$100k-36 - <48 Month Jumbo CD
1.75%$500-36 - <48 Month CD
1.57%$100k-30 - <36 Month Jumbo CD
1.52%$100k-24 - <30 Month Jumbo CD
1.45%$500-30 - <36 Month CD
1.40%$500-24 - <30 Month CD
1.27%$100k-18 - <24 Month Jumbo CD
1.17%$100k-12 - <18 Month Jumbo CD
1.15%$500-18 - <24 Month CD
1.05%$500-12 - <18 Month CD
0.92%$100k-6 - <12 Month Jumbo CD
0.80%$500-6 - <12 Month CD
0.45%$7,500-7 - 91 Day CD

Houston Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.42%$500->60 Month IRA
2.02%$500-48 - <60 Month IRA
1.87%$500-36 - <48 Month IRA
1.57%$500-30 - <36 Month IRA
1.52%$500-24 - <30 Month IRA
1.27%$500-18 - <24 Month IRA
1.17%$500-12 - <18 Month IRA
0.92%$500-6 - <12 Month IRA
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