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Houston Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.houstonfcu.org
281-243-0500
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 473rd largest credit union in the nation. It was established in 1960 and as of March of 2025, it had grown to 183 employees and 61,653 members at 12 locations. Houston Federal Credit Union's CD rates are 5X 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

Reviews (2)

Pulling My Account

Posted by: |

I have banked with HFCU for over 20 years. I have never bounced a check. I have had several loans with them and never ever paid late, not once. I just deposited a large check and they are not going to clear the funds until January 12th. That is 17 days. I hate losing the long history I have with them but once these funds clear I'm done. I will cancel my account and move my money elsewhere.

3

Incompetent Rude Horrible Customer Service

Posted by: |

We left HFCU after 26 years. The question we asked ourselves after going to another credit union was, Why did we wait so long? Why did we take the years of hassle, incompetence and the rudest customer service? If you choose to bank with this place, watch your account. Watch your credit report and do everything as far as communication in writing. Watch out for misapplied payments and inaccurate reporting. Our new credit union bent over backwards to have our business. The customer service at our new Credit Union was refreshing to say the least and the services offered were more than competitive.

3


Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #14091
Year Chartered1960
Employees183
Primary Regulator
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD2.28%
Annual Interest Income$11.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$955.2MM$1.01B
LoansQ1 2025vs Q1 2024$554.3MM$585.8MM
DepositsQ1 2025vs Q1 2024$864.1MM$847.3MM
Equity CapitalQ1 2025vs Q1 2024$80.5MM$74.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3.3MM$3.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.5MM$2.2MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* 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
1.20%$0-Health Savings Account
0.25%*$100k*-Regular Savings Account
OTHER TIERS: 0.10% → $0 - $20k | 0.15% → $20k - $100k
0.25%$0-Vacation Club Account
0.25%*$100k*-Business Savings Account
OTHER TIERS: 0.10% → $0 - $20k | 0.15% → $20k - $100k

Houston Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.70%*$100k*-Insured Money Market Rate Account
OTHER TIERS: 0.80% → $2k - $10k | 0.85% → $10k - $20k | 1.20% → $20k - $40k | 1.55% → $40k - $100k
1.70%*$100k*-Business Money Market Account
OTHER TIERS: 0.80% → $2k - $10k | 0.85% → $10k - $20k | 1.20% → $20k - $40k | 1.55% → $40k - $100k

Houston Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-360 Secure Checking
0.03%$0-Platinum Business Checking Account
0.02%$0-Classic Business Checking Account

Houston Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.12%$100k-12 - 17 Month Jumbo CD
4.12%$100k-Business 12 - 17 Month Jumbo CD
4.00%$500-12 -17 Month CD
4.00%$500-Business 12 -17 Month CD
3.82%$100k-60 Month Jumbo CD
3.82%$100k-Business 60 Month Jumbo CD
3.77%$100k-48 -59 Month Jumbo CD
3.77%$100k-Business 48 -59 Month Jumbo CD
3.75%$500-60 Month CD
3.75%$500-Business 60 Month CD
3.72%$100k-36 - 47 Month Jumbo CD
3.72%$100k-Business 36 - 47 Month Jumbo CD
3.67%$100k-30 -35 Month Jumbo CD
3.67%$100k-Business 30 -35 Month Jumbo CD
3.65%$500-48 -59 Month CD
3.65%$500-Business 48 -59 Month CD
3.62%$100k-18 -23 Month Jumbo CD
3.62%$100k-24 -29 Month Jumbo CD
3.62%$100k-Business 18 -23 Month Jumbo CD
3.62%$100k-Business 24 -29 Month Jumbo CD
3.60%$500-36 - 47 Month CD
3.60%$500-Business 36 - 47 Month CD
3.57%$100k-6 -11 Month Jumbo CD
3.57%$100k-Business 6 -11 Month Jumbo CD
3.55%$500-30 - 35 Month CD
3.55%$500-Business 30 - 35 Month CD
3.50%$500-18-23 Month CD
3.50%$500-24-29 Month CD
3.50%$500-Business 18-23 Month CD
3.50%$500-Business 24-29 Month CD
3.45%$500-6 -11 Month CD
3.45%$500-Business 6 -11 Month CD
2.20%$7.5k-7 - 91 Day CD
2.20%$7.5k-Business 7 - 91 Day CD

Houston Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.12%$500-12 -17 Month IRA
4.12%$500-Business 12 -17 Month IRA
3.82%$500-60 Month IRA
3.82%$500-Business 60 Month IRA
3.77%$500-48 -59 Month IRA
3.77%$500-Business 48 -59 Month IRA
3.72%$500-36 - 47 Month IRA
3.72%$500-Business 36 - 47 Month IRA
3.67%$500-30-35 Month IRA
3.67%$500-Business 30-35 Month IRA
3.62%$500-18 -23 Month IRA
3.62%$500-24 - 29 Month IRA
3.62%$500-Business 18 -23 Month IRA
3.62%$500-Business 24 - 29 Month IRA
3.57%$500-6 -11 Month IRA
3.57%$500-Business 6 -11 Month IRA
1.70%*$100k*-IRA Share
OTHER TIERS: 1.20% → $0 - $100k
Locations

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