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Houston Highway Credit Union

Popular Accounts at this Credit Union

0.35%1-year CD12 Month Share Certificate
0.05%SavingsSavings Account
1.10%3-year CD36 Month Share Certificate

Overview / Commentary
8120 Washington Ave
Houston, TX 77007

Houston Highway Credit Union is headquartered in Houston and is the 164th largest credit union in the state of Texas. It is also the 2,096th largest credit union in the nation. It was established in 1952 and as of June of 2016, it had grown to 19 employees and 5,010 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.

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

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.

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

NCUA #67627
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD-0.49%
Return on Equity - YTD-7.63%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$60.8MM$62.8MM
LoansQ2 2016vs Q2 2015$41.8MM$37.2MM
DepositsQ2 2016vs Q2 2015$56.7MM$58.0MM
Equity CapitalQ2 2016vs Q2 2015$4.0MM$4.7MM
Loan Loss AllowanceQ2 2016vs Q2 2015$233.00K$404.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$162.00K$165.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Houston Highway Credit Union Savings Account Rates

0.25%--IRA Deposit Account
0.05%--Savings Account
0.05%--Christmas Club Account

Houston Highway Credit Union Money Market Rates

0.15%*$75k*-Money Market Account
OTHER TIERS: 0.02% Up to $2,500 | 0.07% $2,500 - $25k | 0.10% $25k - $75k

Houston Highway Credit Union Checking Account Rates

0.02%--Checking Account

Houston Highway Credit Union CD Rates

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

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

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