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Harris County Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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: October 12, 2026

Harris County Federal Credit Union's top rates as of October 12, 2026 are 4.07% APY on its IRA 36 month CD, 0.15% APY on savings, 0.35% APY on checking, personal loans from 9.90% APR, and credit cards from 5.90% APR, according to rates verified by MonitorBankRates. Other Harris County Federal Credit Union CD rates include 3 YR IRA PR DED CD at 3.97%, IRA 24 month at 3.97%, and IRA 36 month at 3.97%. MonitorBankRates evaluates the financial stability of Harris County Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.40%. Rates last updated and verified on 10/12/2026.

Harris County 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 Harris County Federal Credit Union? Share your experience about Harris County Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Harris County Federal Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.40%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Harris County Federal Credit Union
Main Office
1400 Franklin St
Houston, TX 77002-2147
https://www.hcfcu.com
Member NCUA
Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Harris County Federal Credit Union CD Rates

Product Rate APY Term View More
IRA 36 month - 4.07% 36 MONTHS
Min Deposit $95,000
Details IRA; Minimum deposit tier: $95000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
3 YR IRA PR DED CD - 3.97% 3 years
Min Deposit $35
Details IRA; Payroll deduction
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 6 times
3.47%3.97%4.47%Sep 14, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
IRA 24 month - 3.97% 24 MONTHS
Min Deposit $95,000
Details IRA; Minimum deposit tier: $95000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 4 times
3.47%3.97%4.47%Sep 14, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
IRA 36 month - 3.97% 36 MONTHS
Min Deposit $500
Details IRA
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 4 times
3.47%3.97%4.47%Sep 14, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
3 YEAR CERTIFICATE - 3.92% 3 YEAR
Min Deposit $95,000
Details Minimum deposit tier: $95000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 6 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
2 YR IRA PR DED CD - 3.87% 2 years
Min Deposit $53
Details IRA; Payroll deduction
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 6 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
IRA 12 month - 3.87% 12 MONTHS
Min Deposit $95,000
Details IRA; Minimum deposit tier: $95000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 4 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
IRA 24 month - 3.87% 24 MONTHS
Min Deposit $500
Details IRA
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 4 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
2 YEAR CERTIFICATE - 3.82% 2 YEAR
Min Deposit $95,000
Details Minimum deposit tier: $95000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
3 YEAR CERTIFICATE - 3.82% 3 YEAR
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
3 YR PAYROLL DED CD - 3.82% 3 years
Min Deposit $35
Details Payroll deduction
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
1 YR IRA PR DED CD - 3.76% 1 years
Min Deposit $105
Details IRA; Payroll deduction
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 6 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
IRA 12 month - 3.76% 12 MONTHS
Min Deposit $500
Details IRA
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 4 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
2 YEAR CERTIFICATE - 3.71% 2 YEAR
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 6 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
2 YR PAYROLL DED CD - 3.71% 2 years
Min Deposit $53
Details Payroll deduction
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 6 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
1 YEAR CERTIFICATE - 3.66% 1 YEAR
Min Deposit $95,000
Details Minimum deposit tier: $95000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
1 YEAR CERTIFICATE - 3.61% 1 YEAR
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
1 YR PAYROLL DED CD - 3.61% 1 years
Min Deposit $105
Details Payroll deduction
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%

Harris County Federal Credit Union Savings Rates

Product Rate APY View More
ALTERNATE SHARE SAVINGS - 0.15%
Min Deposit $5
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
REGULAR SHARES SAVINGS - 0.15%
Min Deposit $5
Min Balance $100
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
REGULAR SHARES SAVINGS - 0.15%
Min Deposit $5
Min Balance $5,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
REGULAR SHARES SAVINGS - 0.15%
Min Deposit $5
Min Balance $25,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
REGULAR SHARES SAVINGS - 0.15%
Min Deposit $5
Min Balance $100,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%

Harris County Federal Credit Union Checking Rates

Product Rate APY View More
PREMIER SH DRFT CHECKING - 0.35%
Min Deposit $5,000
Min Balance $5,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
PREMIER SH DRFT CHECKING - 0.35%
Min Deposit $5,000
Min Balance $25,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
PREMIER SH DRFT CHECKING - 0.35%
Min Deposit $5,000
Min Balance $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
PREMIER SH DRFT CHECKING - 0.35%
Min Deposit $5,000
Min Balance $75,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
PREMIER SH DRFT CHECKING - 0.35%
Min Deposit $5,000
Min Balance $100,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
CHECKING - 0.05%
Min Deposit $5
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
PREMIER SH DRFT CHECKING - 0.05%
Min Deposit $5,000
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
PREMIER SH DRFT CHECKING - 0.05%
Min Deposit $5,000
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%

Harris County Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loans - - 5.49%
Details As Low As; APR* as low as
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 9 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%

Harris County Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto/Motorcycle - - 4.24% 36-84 Months
Details As Low As; Reward discount of up to 0.30% available; rates quoted do not include the discount
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 12, 2026: 4.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%

Harris County Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Recreational Vehicle Loan - 5.75% 36-120 Months
Details As Low As; Reward discount of up to 0.30% available; rates quoted do not include the discount
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 12, 2026: 5.75% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%

Harris County Federal Credit Union Credit Card Rates

Product Rate APR View More
Credit Cards - 5.90%
Details As Low As; APR* as low as
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.90% APR · checked 8 times
5.40%5.90%6.40%Sep 14, 2026: 5.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%

Harris County Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature Loan 9.90% 12-60 Months
Details As Low As; Reward discount of up to 0.30% available on Auto, Motorcycle, Recreational Vehicle or Signature Loans; rates quoted do not include the discount
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.90% APR
9.40%9.90%10.40%Oct 12, 2026: 9.90% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%

Harris County Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Equipment Loan - - 6.90% 12-24 Months
Details As Low As; Rates effective 8/20/2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.90% APR
6.40%6.90%7.40%Oct 12, 2026: 6.90% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
EDUCATION IRA SH ACC - - 0.65%
Min Balance $25
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
0.15%0.65%1.15%Sep 14, 2026: 0.65% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
KIDS TREASURE - - 0.15%
Min Deposit $5
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
ROTH CONVERSION IRA - - 0.65%
Min Balance $25
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
0.15%0.65%1.15%Sep 14, 2026: 0.65% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
ROTH IRA SHARE ACCT - - 0.65%
Min Balance $25
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
0.15%0.65%1.15%Sep 14, 2026: 0.65% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
SEP IRA SHARE ACCTS - - 0.65%
Min Balance $25
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
0.15%0.65%1.15%Sep 14, 2026: 0.65% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
TRADITIONAL IRA SHS - - 0.65%
Min Balance $25
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
0.15%0.65%1.15%Sep 14, 2026: 0.65% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.40%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

Financial Health History

Harris County Federal Credit Union’s Texas Ratio stayed near 3.32% in Q3 2023 to 3.40% in Q2 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.

0% 1.0★ 1.4% 2.0★ 2.7% 3.0★ 4.1% 4.0★ 5.4% 5.0★ Healthy zone – entire history below the 15% limit 3.32% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.40% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$223M3.40%5.0A+
March 31, 2026$223M3.55%5.0A+
December 31, 2025$218M3.68%5.0A+
September 30, 2025$216M4.00%5.0A+
June 30, 2025$214M3.06%5.0A+
March 31, 2025$213M3.18%5.0A+
December 31, 2024$208M3.14%5.0A+
September 30, 2024$208M3.19%5.0A+
June 30, 2024$208M3.35%5.0A+
March 31, 2024$206M3.38%5.0A+
December 31, 2023$203M3.73%5.0A+
September 30, 2023$204M3.32%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Harris County 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 Harris County 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 Harris County Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Harris County Federal Credit Union
Website https://www.hcfcu.com
Address 1400 Franklin St, Houston, TX 77002-2147
Phone 713-755-5160
Fax 713-755-8982
President Mercedes Leal
CEO Vicki Squires
Full-Time Employees 32
Part-Time Employees 0
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.40%
Return on Assets (ROA)
0.9177%
Return on Equity (ROE)
4.0063%
Non-Performing Loans Ratio (NPL)
1.62%
Total Assets
223,287,127
Total Amount of Shares and Deposits
169,465,285
Total Shares and Deposits < 1 Year
160,369,951
Total Shares and Deposits 1 3 Years
9,095,334
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,286,019
Total Uninsured Shares and Deposits > $250K (F+J)
12,286,019
Total Insured Shares and Deposits > $250K (item 17 less item K)
157,179,266
Total Interest Expense (Sum of items 6 8)
596,002
Share Certificates
604
Number of Accounts for Share Drafts
9,158
IRA KEOGH Accounts
372
Number of Accounts for Regular Shares
19,608
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)
42,892,850
Total Liabilities
172,529,019
Source: NCUA — Last Updated 06/30/2026
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Frequently Asked Questions About Harris County Federal Credit Union

How many branches does Harris County Federal Credit Union operate?

Harris County 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 Harris County Federal Credit Union?

Yes, to access services at Harris County 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, Harris County 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, Harris County Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Harris County Federal Credit Union offer online and mobile banking?

Most modern institutions like Harris County 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.hcfcu.com.

Current Harris County Federal Credit Union Rates

  • 12-Month CD3.61%
  • 24-Month CD3.71%
  • Savings0.15%
Retrieved from our database of financial products. Rates subject to change.

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