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Advertiser Disclosure
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 Harris County 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
Harris County Federal Credit Union's 3 YR IRA PR DED CD rates are at 3.97%, 3 YEAR CD rates are at 3.92%, 2 YR IRA PR DED CD rates are at 3.87%, 2 YEAR CD rates are at 3.82%, 3 YEAR CD rates are at 3.82%. Harris County Federal Credit Union's savings rates are at 0.15%. Harris County Federal Credit Union's Personal Loan Rates are at 4.24%. 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 4.10%. Rates were last updated on 04/18/2026. 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. Harris County Federal Credit Union
Main Office 1400 Franklin St
https://www.hcfcu.com Houston, TX 77002 2147 
Harris County Federal Credit Union CD Rates
Harris County Federal Credit Union Savings Rates
Harris County Federal Credit Union Checking Rates
Harris County Federal Credit Union Home Equity & HELOC
Harris County Federal Credit Union Auto Loan Rates
Harris County Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
11
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.10%
Return on Assets (ROA)
1.3921%
Return on Equity (ROE)
6.2565%
Non-Performing Loans Ratio (NPL)
1.70%
Total Assets
215,505,501
Total Amount of Shares and Deposits
166,898,955
Total Shares and Deposits < 1 Year
156,478,625
Total Shares and Deposits 1 3 Years
10,420,330
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,368,844
Total Uninsured Shares and Deposits > $250K (F+J)
11,368,844
Total Insured Shares and Deposits > $250K (item 17 less item K)
155,530,111
Total Interest Expense (Sum of items 6 8)
787,753
Share Certificates
548
Number of Accounts for Share Drafts
8,990
IRA KEOGH Accounts
354
Number of Accounts for Regular Shares
19,543
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
33,141,556
Total Liabilities
168,770,506
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Harris County Federal Credit UnionIs Harris County Federal Credit Union a safe place to deposit money?Yes, Harris County Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.0968388003522%, 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 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
Retrieved from our database of financial products. Rates subject to change.
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