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iAdvertiser Disclosure
Advertiser Disclosure
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 Houston Federal Credit Union Rates & Review April 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.
Read Full Bio →
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: April 18, 2026
Houston Federal Credit Union's CD Accounts - IRA & Jumbo 12 Month to 17 Month rates are at 3.92%, CD Accounts - IRA & Jumbo 6 Month to 11 Month rates are at 3.87%, CD Accounts - Share 12 Month to 17 Month rates are at 3.80%, CD Accounts - IRA & Jumbo 60 Month rates are at 3.77%, CD Accounts - Share 6 Month to 11 Month rates are at 3.75%. Houston Federal Credit Union's savings rates are at 1.20%. Houston Federal Credit Union's money market rates are at 0.00%. 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 2.55%. Rates were last updated on 04/18/2026. 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 Home Equity & HELOC
Houston Federal Credit Union Credit Card Rates
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
Brent Holloway
CEO
Chris Choat
Full-Time Employees
181
Part-Time Employees
10
Branch Locations
12
ATM Locations
12
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
2.55%
Return on Assets (ROA)
0.2415%
Return on Equity (ROE)
2.5069%
Non-Performing Loans Ratio (NPL)
0.44%
Total Assets
952,923,383
Total Amount of Shares and Deposits
844,984,507
Total Shares and Deposits < 1 Year
755,085,383
Total Shares and Deposits 1 3 Years
63,692,419
Total Shares and Deposits > 3 Years
26,206,705
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
78,678,350
Total Uninsured Shares and Deposits > $250K (F+J)
78,678,350
Total Insured Shares and Deposits > $250K (item 17 less item K)
766,306,157
Total Interest Expense (Sum of items 6 8)
14,891,121
Share Certificates
4,826
Number of Accounts for Share Drafts
36,940
IRA KEOGH Accounts
2,197
Number of Accounts for Regular Shares
63,008
All other shares
106
Money Market Shares
3,304
Net Income (unless the amount is already included in Undivided Earnings)
2,301,639
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
136,777,557
Total Liabilities
868,392,836
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Houston Federal Credit UnionIs Houston Federal Credit Union a safe place to deposit money?Yes, Houston Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.5544396801217%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How 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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