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Houston Belt and Terminal Federal Credit Union

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Houston Belt and Terminal Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Houston Belt and Terminal Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 17, 2026

You can compare Houston Belt and Terminal Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.25%, 6-month share certificate rates at 3.70% and 3-month share certificate rates at 3.24%. Savings rates are at 0.05% and money market rates are at 0.01%. Mortgage rates on 30-year fixed loans are around 5.61%. All these rates can be compared to Houston Belt and Terminal Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Houston Belt and Terminal Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.34%. Rates were last updated on 04/17/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.34%

Excellent Higher than avg

Houston Belt and Terminal Federal Credit Union
Houston Belt and Terminal FCU

9810 FM 1960 Bypass Rd W Ste 105
Humble, TX 77338 3573

https://hbtfcu.com

Current Rate Availability

We do not have Houston Belt and Terminal Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Houston Belt and Terminal 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 Belt and Terminal 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 Belt and Terminal Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Houston Belt and Terminal Federal Credit Union

Website https://hbtfcu.com

Address 9810 FM 1960 Bypass Rd W Ste 105, Humble, TX 77338 3573

Phone 281-548-3377

Fax 281-548-0583

President Ronnie Cauley

CEO KyAuna Jones

Full-Time Employees 2

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 (95/100)

Texas Ratio

9.34%

Return on Assets (ROA)

1.1504%

Return on Equity (ROE)

2.8566%

Non-Performing Loans Ratio (NPL)

4.82%

Total Assets

3,753,617

Total Amount of Shares and Deposits

2,166,367

Total Shares and Deposits < 1 Year

2,166,367

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,166,367

Total Interest Expense (Sum of items 6 8)

5,345

Share Certificates

Number of Accounts for Share Drafts

130

Number of Accounts for Regular Shares

599

Money Market Shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

551,455

Total Liabilities

2,241,941

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Houston Belt and Terminal Federal Credit Union

Is Houston Belt and Terminal Federal Credit Union a safe place to deposit money?

Yes, Houston Belt and Terminal Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 9.3420644256023%, 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 Belt and Terminal Federal Credit Union operate?

Houston Belt and Terminal 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 Belt and Terminal Federal Credit Union?

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

Does Houston Belt and Terminal Federal Credit Union offer online and mobile banking?

Most modern institutions like Houston Belt and Terminal 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://hbtfcu.com.