Houston Federal Credit Union


Overview / Commentary
281-243-0500
16320 Kensington Dr
Sugar Land, TX 77479-4097

Houston Federal Credit Union is headquartered in Sugar Land and is the 35th largest credit union in the state of Texas. It is also the 435th largest credit union in the nation. It was established in 1960 and as of March of 2021, it had grown to 152 employees and 65,196 members at 12 locations. Houston Federal Credit Union has an A 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 (3)

Excellent Credit Union

Posted by: |

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: |

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.

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.



Health

Health Grade Components

Overall
NCUA #14091
Year Chartered1960
Employees152
Primary Regulator
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD8.15%
Annual Interest Income$5.6MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$899.3MM$717.6MM
LoansQ1 2021vs Q1 2020$510.1MM$468.3MM
DepositsQ1 2021vs Q1 2020$809.1MM$648.5MM
Equity CapitalQ1 2021vs Q1 2020$66.4MM$63.3MM
Loan Loss AllowanceQ1 2021vs Q1 2020$2.1MM$2.0MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$244.00K$789.00K
Real Estate OwnedQ1 2021vs Q1 2020$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
0.35%*$100k*-IRA Share
OTHER TIERS: 0.20% Up to $100k
0.20%--Health Savings Account
0.10%$5-Vacation Club Account
0.10%$5-Holiday Club Account
0.08%*$100k*-Regular Savings Account
OTHER TIERS: 0.03% Up to $20k | 0.06% $20k - $100k

Houston Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$100k*-Insured Money Market Rate Account
OTHER TIERS: 0.10% $2k - $10k | 0.15% $10k - $20k | 0.20% $20k - $40k | 0.25% $40k - $100k

Houston Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$750-Flexible Checking Account
0.03%--Platinum Business Checking Account
0.02%--Classic Business Checking Account

Houston Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.97%$100k->60 Month Jumbo CD
0.92%$100k-48 - <60 Month Jumbo CD
0.87%$100k-36 - <48 Month Jumbo CD
0.85%$500->60 Month CD
0.80%$500-48 - <60 Month CD
0.77%$100k-30 - <36 Month Jumbo CD
0.75%$500-36 - <48 Month CD
0.72%$100k-24 - <30 Month Jumbo CD
0.67%$100k-18 - <24 Month Jumbo CD
0.65%$500-30 - <36 Month CD
0.60%$500-24 - <30 Month CD
0.57%$100k-12 - <18 Month Jumbo CD
0.55%$500-18 - <24 Month CD
0.47%$100k-6 - <12 Month Jumbo CD
0.45%$500-12 - <18 Month CD
0.35%$500-6 - <12 Month CD
0.30%$7.5k-7 - 91 Day CD

Houston Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.97%$500->60 Month IRA
0.92%$500-48 - <60 Month IRA
0.87%$500-36 - <48 Month IRA
0.77%$500-30 - <36 Month IRA
0.72%$500-24 - <30 Month IRA
0.67%$500-18 - <24 Month IRA
0.57%$500-12 - <18 Month IRA
0.47%$500-6 - <12 Month IRA
Locations

Availability

Houston Area

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