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 Houston Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 12, 2026
Houston Federal Credit Union's CD Accounts - IRA & Jumbo - 12 Month to 17 Month rates are at 3.97%, CD Accounts - IRA & Jumbo - 60 Month rates are at 3.97%, CD Accounts - IRA & Jumbo - 48 Month to 59 Month rates are at 3.87%, CD Accounts - IRA & Jumbo - 6 Month to 11 Month rates are at 3.87%, 12 Month to 17 Month CD Accounts - Share rates are at 3.85%. Houston Federal Credit Union's savings rates are at 1.20%. Houston Federal Credit Union's money market rates are at 1.45%. Houston Federal Credit Union's 10 Year Mortgage rates are at 5.12%, 15 Year Mortgage rates are at 5.50%, 20 Year Mortgage rates are at 6.00%, 30 Year Mortgage rates are at 6.12%. Houston Federal Credit Union's Personal Loan Rates are as low as 10.50%. Houston Federal Credit Union's Credit Card Rates are at 6.75%. MonitorBankRates evaluates the financial stability of Houston Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.93%. Rates last updated and verified on 09/12/2026. Houston Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Houston Federal Credit Union? Share your experience about Houston Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Houston Federal Credit Union. Houston Federal Credit Union
HFCU 16320 Kensington Dr
https://www.houstonfcu.org Sugar Land, TX 77479-4097 
Houston Federal Credit Union CD Rates
Houston Federal Credit Union Savings Rates
Houston Federal Credit Union Money Market Rates
Houston Federal Credit Union Checking Rates
Houston Federal Credit Union Mortgage Rates
Houston Federal Credit Union Home Equity & HELOC
Houston Federal Credit Union Auto Loan Rates
Houston Federal Credit Union RV, Boat and Powersport Loan Rates
Houston Federal Credit Union Credit Card Rates
Houston Federal Credit Union Personal Loan Rates
Houston Federal Credit Union Other Rates
Financial Health HistoryHouston Federal Credit Union’s Texas Ratio stayed near 1.93% in Q2 2023 to 1.93% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Houston Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Houston Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Houston Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Houston Federal Credit Union
Website
https://www.houstonfcu.org
Address
16320 Kensington Dr,
Sugar Land, TX 77479-4097
Phone
281-243-0500
Fax
281-243-0787
President
Samaria Chambers
CEO
Chris Choat
Full-Time Employees
175
Part-Time Employees
8
Branch Locations
12
ATM Locations
11
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.93%
Return on Assets (ROA)
0.1076%
Return on Equity (ROE)
1.1124%
Non-Performing Loans Ratio (NPL)
0.35%
Total Assets
961,821,091
Total Amount of Shares and Deposits
862,517,046
Total Shares and Deposits < 1 Year
773,352,938
Total Shares and Deposits 1 3 Years
73,369,166
Total Shares and Deposits > 3 Years
15,794,942
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
83,215,091
Total Uninsured Shares and Deposits > $250K (F+J)
83,215,091
Total Insured Shares and Deposits > $250K (item 17 less item K)
779,301,955
Total Interest Expense (Sum of items 6 8)
5,440,927
Share Certificates
4,775
Number of Accounts for Share Drafts
36,258
IRA KEOGH Accounts
2,191
Number of Accounts for Regular Shares
62,791
All other shares
104
Money Market Shares
3,311
Net Income (unless the amount is already included in Undivided Earnings)
1,034,504
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
149,919,256
Total Liabilities
874,877,300
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Houston Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Houston Federal Credit Union
Frequently Asked Questions About Houston Federal Credit UnionHow many branches does Houston Federal Credit Union operate?Houston Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Houston Federal Credit Union?Yes, to access services at Houston Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Houston Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Houston Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Houston Federal Credit Union offer online and mobile banking?Most modern institutions like Houston Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.houstonfcu.org. Current Houston Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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