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Houston Federal Credit Union

Overview / Commentary
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 458th largest credit union in the nation. It was established in 1960 and as of March of 2019, it had grown to 151 employees and 59,845 members at 12 locations. Houston Federal Credit Union's money market rates are 3X the national average, and it 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 (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 Grade Components

NCUA #14091
Year Chartered1960
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD7.97%
Annual Interest Income$5.4MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$662.8MM$648.2MM
LoansQ1 2019vs Q1 2018$421.0MM$397.1MM
DepositsQ1 2019vs Q1 2018$598.5MM$589.2MM
Equity CapitalQ1 2019vs Q1 2018$58.3MM$53.1MM
Loan Loss AllowanceQ1 2019vs Q1 2018$1.7MM$1.8MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$863.00K$471.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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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

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

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

0.03%--Flexible Checking Account
0.03%--Platinum Business Checking Account
0.02%--Classic Business Checking Account

Houston Federal Credit Union CD Rates

3.00%$500->60 Month CD
3.00%$100k->60 Month Jumbo CD
2.65%$500-48 - <60 Month CD
2.65%$100k-48 - <60 Month Jumbo CD
2.55%$500-36 - <48 Month CD
2.55%$100k-36 - <48 Month Jumbo CD
2.40%$500-30 - <36 Month CD
2.40%$100k-30 - <36 Month Jumbo CD
2.35%$500-24 - <30 Month CD
2.35%$100k-24 - <30 Month Jumbo CD
2.15%$500-18 - <24 Month CD
2.15%$100k-18 - <24 Month Jumbo CD
2.05%$500-12 - <18 Month CD
2.05%$100k-12 - <18 Month Jumbo CD
1.70%$500-6 - <12 Month CD
1.70%$100k-6 - <12 Month Jumbo CD
0.90%$7.5k-7 - 91 Day CD

Houston Federal Credit Union IRA Rates

3.12%$500->60 Month IRA
3.12%$100k->60 Month Jumbo IRA
2.77%$500-48 - <60 Month IRA
2.77%$100k-48 - <60 Month Jumbo IRA
2.67%$500-36 - <48 Month IRA
2.67%$100k-36 - <48 Month Jumbo IRA
2.52%$500-30 - <36 Month IRA
2.52%$100k-30 - <36 Month Jumbo IRA
2.47%$500-24 - <30 Month IRA
2.47%$100k-24 - <30 Month Jumbo IRA
2.27%$500-18 - <24 Month IRA
2.27%$100k-18 - <24 Month Jumbo IRA
2.17%$500-12 - <18 Month IRA
2.17%$100k-12 - <18 Month Jumbo IRA
1.82%$500-6 - <12 Month IRA
1.82%$100k-6 - <12 Month Jumbo IRA


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