2. Houston Highway Credit Union

Houston Highway Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
0.35%1-year CD
2.60% - Capital One 12 Month 360 CDAdvertisement
0.05%Savings
2.00% - American Express National Bank High Yield Savings AccountAdvertisement
1.10%3-year CD
2.65% - Barclays 36 Month Online CDAdvertisement
View all Houston Highway Credit Union rates »

Overview / Commentary
www.houstonhighwaycu.com
713-864-4438
8120 Washington Ave
Houston, TX 77007

Houston Highway Credit Union is headquartered in Houston and is the 169th largest credit union in the state of Texas. It is also the 2,174th largest credit union in the nation. It was established in 1952 and as of June of 2018, it had grown to 9 employees and 4,237 members at 1 location. Houston Highway Credit Union has a B+ health rating.

Field of Membership Restrictions

Houston Highway Credit Union of Texas is open to the residents, church members, and the people that maintain employment within a 10-mile distance of the credit union office, the employees of the credit union affiliated select employee groups, and the family members of current credit union members.
See current membership details

Reviews (2)

Greedy Scumbags

Posted by: boc | May 7, 2016

These greedy scumbags require a $3000 balance which pays close to 0% interest, to avoid fees. An online account like Ally pays 1%, so you would EARN $30 per year with $3000 on deposit at Ally.com. They deserve to go out of business. Who in there right minds would have an account there.

3

$3,000.00 Minimum Balance Required To Avoid Monthly Fees. A Big Joke.

Posted by: Josh D | Feb 15, 2016

I had a regular shares account with Houston Highway Credit Union. I previously had more than $4,267 in the deposit account until 2013 when I withdrew $4,254.72. The remaining balance was $12.78. I did not deposit any more money into the account afterwards. At the time, the minimum balance required to avoid a monthly service fee was only $5.00. After this date, I tried to change the settings I had on the online banking profile for notifications since the balance was below $100.00. I was locked out of my online banking profile and I tried calling to get assistance. The issue is that I do not recall the date I called and who I spoke with. I was instructed to use my account number as my Username and the term “Password” to enter as my password for the profile. After multiple attempts and still no access, I decided to leave the account alone. Over the years, I did not attempt to contact the credit union because I believed my balance was still $12.78. However, I was never notified of the change to all accounts with the credit union effective 2015. According to the Schedule of Fees effective January 1, 2015, all deposit accounts required a $3,000.00 balance to avoid a monthly membership fee. I was never notified via mail or email of the change. I was never able to access the monthly statements because my online banking profile problem was never resolved by customer service. I required my monthly statements to be available online only when I opened the account in 2012 because I was under the assumption that I would not have a problem with customer service in the future. Therefore, I did not receive notice when my regular shares account became negative until I went to close my account in 2016. I was told by the account representative that I was required to pay $37.96 for an account that I thought to have $12.78. Despite my refusal to pay, the representative told me the account could not be closed until I paid the negative balance. I was told that if I did not pay, the account would remain open and I would owe more money in the future. I then proceeded to pay the negative balance to prevent more monthly fees to be assessed. Please stay away from this credit union.

2


Health
B+

Data as of Q2 2018

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Houston Highway Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #67627
Year Chartered1952
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD5.64%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$59.1MM$57.4MM
LoansQ2 2018vs Q2 2017$35.1MM$41.5MM
DepositsQ2 2018vs Q2 2017$55.4MM$53.7MM
Equity CapitalQ2 2018vs Q2 2017$3.5MM$3.5MM
Loan Loss AllowanceQ2 2018vs Q2 2017$373.00K$276.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$81.00K$682.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Houston Highway Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%†--IRA Deposit Account
0.05%†--Savings Account
0.05%†--Christmas Club Account

Houston Highway Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*†$75k*-Money Market Account
OTHER TIERS: 0.02% → Up to $2.5k | 0.07% → $2.5k - $25k | 0.10% → $25k - $75k

Houston Highway Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%†--Checking Account

Houston Highway Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*†$95k*-36 Month Share Certificate
OTHER TIERS: 1.00% → $1k - $10k | 1.03% → $10k - $50k | 1.06% → $50k - $95k
0.85%*†$95k*-24 Month Share Certificate
OTHER TIERS: 0.75% → $1k - $10k | 0.78% → $10k - $50k | 0.81% → $50k - $95k
0.45%*†$95k*-18 Month Share Certificate
OTHER TIERS: 0.35% → $1k - $10k | 0.38% → $10k - $50k | 0.41% → $50k - $95k
0.40%*†$95k*-15 Month Share Certificate
OTHER TIERS: 0.30% → $1k - $10k | 0.33% → $10k - $50k | 0.36% → $50k - $95k
0.35%*†$95k*-12 Month Share Certificate
OTHER TIERS: 0.25% → $1k - $10k | 0.28% → $10k - $50k | 0.31% → $50k - $95k
0.25%*†$95k*-6 Month Share Certificate
OTHER TIERS: 0.15% → $1k - $10k | 0.18% → $10k - $50k | 0.21% → $50k - $95k

Houston Highway Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*†$95k*-36 Month IRA Certificate
OTHER TIERS: 1.03% → $10k - $50k | 1.06% → $50k - $95k
0.85%*†$95k*-24 Month IRA Certificate
OTHER TIERS: 0.78% → $10k - $50k | 0.81% → $50k - $95k
0.35%*†$95k*-12 Month IRA Certificate
OTHER TIERS: 0.28% → $10k - $50k | 0.31% → $50k - $95k
Locations


Houston Highway Credit Union Locations
Branch Office8120 Washington AveHouston, TX 77007

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