Houston Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.85%	5-year CD	>60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.60%	1-year CD	12 - <18 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.06%	Savings	Share Rate Account 1.00% - Ally Bank Online Savings Account

View all Houston Federal Credit Union rates »

Overview / Commentary

www.houstonfcu.org

866-687-4328

16320 Kensington Dr
Sugar Land, TX 77479-4097

Houston Federal Credit Union is headquartered in Sugar Land and is the 39^th largest credit union in the state of Texas. It is also the 440^th largest credit union in the nation. It was established in 1960 and as of June of 2016, it had grown to 132 employees and 54,371 members at 11 locations. Houston Federal Credit Union has a B+ 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)

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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.

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2

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.

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1

Health

B+

Data as of Q2 2016

Learn more about bank health

Health Grade Components

Overall
NCUA #	14091
Year Chartered	1960
Employees	132
Primary Regulator

Profit Margin
Return on Assets - YTD	0.81%
Return on Equity - YTD	10.58%
Annual Interest Income	$7.8MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$587.7MM$553.2MM
Loans	Q2 2016vs Q2 2015	$355.4MM$325.0MM
Deposits	Q2 2016vs Q2 2015	$537.3MM$507.6MM
Equity Capital	Q2 2016vs Q2 2015	$44.8MM$40.5MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$1.6MM$1.4MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$1.5MM$2.8MM
Real Estate Owned	Q2 2016vs Q2 2015	$207.00K$207.00K

Rates

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Savings
Money Market
Checking
CD
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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

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$100k^*	-	IRA Share
OTHER TIERS: 0.10% → Up to $100k
0.20%^*	$100k^*	-	CESA Share
OTHER TIERS: 0.10% → Up to $100k
0.10%	-	-	Health Savings Account
0.06%^*	$100k^*	-	Share Rate Account
OTHER TIERS: 0.02% → Up to $20k \| 0.04% → $20k - $100k
0.03%	-	-	Vacation Club Account
0.03%	-	-	Holiday Club Account

Houston Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$100k^*	-	Insured Money Market Rate Account
OTHER TIERS: 0.03% → $2k - $10k \| 0.07% → $10k - $20k \| 0.10% → $20k - $40k \| 0.13% → $40k - $100k

Houston Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.02%	-	-	Platinum Business Checking Account
0.01%	-	-	Flexible Checking Account
0.01%	-	-	Classic Business Checking Account

Houston Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.97%	$100k	-	>60 Month Jumbo CD
1.85%	$500	-	>60 Month CD
1.57%	$100k	-	48 - <60 Month Jumbo CD
1.45%	$500	-	48 - <60 Month CD
1.42%	$100k	-	36 - <48 Month Jumbo CD
1.30%	$500	-	36 - <48 Month CD
1.07%	$100k	-	30 - <36 Month Jumbo CD
1.02%	$100k	-	24 - <30 Month Jumbo CD
0.95%	$500	-	30 - <36 Month CD
0.90%	$500	-	24 - <30 Month CD
0.82%	$100k	-	18 - <24 Month Jumbo CD
0.72%	$100k	-	12 - <18 Month Jumbo CD
0.70%	$500	-	18 - <24 Month CD
0.62%	$100k	-	6 - <12 Month Jumbo CD
0.60%	$500	-	12 - <18 Month CD
0.50%	$500	-	6 - <12 Month CD
0.30%	$7,500	-	7 - 91 Day CD

Houston Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.97%	$100k	-	>60 Month Jumbo IRA
1.85%	$500	-	>60 Month IRA
1.57%	$100k	-	48 - <60 Month Jumbo IRA
1.45%	$500	-	48 - <60 Month IRA
1.42%	$100k	-	36 - <48 Month Jumbo IRA
1.30%	$500	-	36 - <48 Month IRA
1.07%	$100k	-	30 - <36 Month Jumbo IRA
1.02%	$100k	-	24 - <30 Month Jumbo IRA
0.95%	$500	-	30 - <36 Month IRA
0.90%	$500	-	24 - <30 Month IRA
0.82%	$100k	-	18 - <24 Month Jumbo IRA
0.72%	$100k	-	12 - <18 Month Jumbo IRA
0.70%	$500	-	18 - <24 Month IRA
0.62%	$100k	-	6 - <12 Month Jumbo IRA
0.60%	$500	-	12 - <18 Month IRA
0.50%	$500	-	6 - <12 Month IRA

Locations

Houston Federal Credit Union has 11 locations. Click to view all Houston Federal Credit Union locations.