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Houston Federal Credit Union

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Houston Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Houston Federal Credit Union?

Current rates for Houston Federal Credit Union include: 12-Month CD: 4.15%, 18-Month CD: 4.05%, 24-Month CD: 4.10%, 60-Month CD: 4.35%, Savings: 1.20%, MMA: 1.45%

Q: What CD terms does Houston Federal Credit Union offer?

Houston Federal Credit Union CD rates are 4.15% APY for a 12 month CD, 4.05% APY for an 18 month CD, 4.10% APY for a 2 year CD, 4.15% APY for a 30 month CD, 4.20% APY for a 3 year CD, 4.25% APY for a 4 year CD and 4.35% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Houston Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Houston Federal Credit Union's 60 Month CD Accounts - Share rates are at 4.35%, 48 Month CD Accounts - Share rates are at 4.25%, 36 Month CD Accounts - Share rates are at 4.20%, 12 Month CD Accounts - Share rates are at 4.15%, 30 Month CD Accounts - Share rates are at 4.15%. 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 checking rates are as high as 0.03%. Houston Federal Credit Union's Mortgage Loan - 10 Year Fixed rates are at 5.62%, Mortgage Loan - 15 Year Fixed rates are at 5.88%, Mortgage Loan - 20 Year Fixed rates are at 6.38%, Mortgage Loan - 30 Year Fixed rates are at 6.62%. Houston Federal Credit Union's Auto Loan Rates are as low as 4.25%. Houston Federal Credit Union's Credit Card Rates are at 7.00%. Houston Federal Credit Union's CD rates are 43% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 2.70%. Rates last updated and verified on 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.70%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Houston Federal Credit Union
HFCU

16320 Kensington Dr
Sugar Land, TX 77479-4097

https://www.houstonfcu.org

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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.

Houston Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Share Certificate Accounts - IRA & Jumbo	4.397%	4.47%	60 Month
Details IRA & Jumbo certificates; $500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum investment for jumbo certificates; Effective October 27, 2026 through October 31, 2026 Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 3.97% → 4.47% ▲ 0.50 pts · high 4.47% / low 3.97% Oct 29, 20264.47%▲ from 4.32% Oct 13, 20264.32%▲ from 4.17% Sep 25, 20264.17%▲ from 4.12% Sep 18, 20264.12%▲ from 3.97% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
48 Month Share Certificate Accounts - IRA & Jumbo	4.30%	4.37%	48 Month to 59 Month
Details IRA & Jumbo certificates; $500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum investment for jumbo certificates; Effective October 27, 2026 through October 31, 2026 Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 3.87% → 4.37% ▲ 0.50 pts · high 4.37% / low 3.87% Oct 29, 20264.37%▲ from 4.22% Oct 13, 20264.22%▲ from 4.07% Sep 25, 20264.07%▲ from 4.02% Sep 18, 20264.02%▲ from 3.87% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
60 Month Share Certificate Accounts - Share	4.281%	4.35%	60 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History 4 changes since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00% Oct 29, 20264.35%▲ from 4.20% Oct 9, 20264.20%▲ from 4.15% Oct 5, 20264.15%▲ from 4.05% Sep 25, 20264.05%▲ from 4.00% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
36 Month Share Certificate Accounts - IRA & Jumbo	4.252%	4.32%	36 Month to 47 Month
Details IRA & Jumbo certificates; $500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum investment for jumbo certificates; Effective October 27, 2026 through October 31, 2026 Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 3.82% → 4.32% ▲ 0.50 pts · high 4.32% / low 3.82% Oct 29, 20264.32%▲ from 4.17% Oct 13, 20264.17%▲ from 4.02% Sep 25, 20264.02%▲ from 3.97% Sep 18, 20263.97%▲ from 3.82% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
12 Month Share Certificate Accounts - IRA & Jumbo	4.203%	4.27%	12 Month to 17 Month
Details IRA & Jumbo certificates; $500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum investment for jumbo certificates; Effective October 27, 2026 through October 31, 2026 Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 3.97% → 4.27% ▲ 0.30 pts · high 4.27% / low 3.97% Oct 29, 20264.27%▲ from 4.17% Oct 13, 20264.17%▲ from 4.12% Sep 25, 20264.12%▲ from 4.07% Sep 18, 20264.07%▲ from 3.97% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
30 Month Share Certificate Accounts - IRA & Jumbo	4.203%	4.27%	30 Month to 35 Month
Details IRA & Jumbo certificates; $500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum investment for jumbo certificates; Effective October 27, 2026 through October 31, 2026 Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 3.77% → 4.27% ▲ 0.50 pts · high 4.27% / low 3.77% Oct 29, 20264.27%▲ from 4.12% Oct 13, 20264.12%▲ from 3.97% Sep 25, 20263.97%▲ from 3.92% Sep 18, 20263.92%▲ from 3.77% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
48 Month Share Certificate Accounts - Share	4.184%	4.25%	48 Month to 59 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History 4 changes since Sep 18, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90% Oct 29, 20264.25%▲ from 4.10% Oct 9, 20264.10%▲ from 4.05% Oct 5, 20264.05%▲ from 3.95% Sep 25, 20263.95%▲ from 3.90% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
24 Month Share Certificate Accounts - IRA & Jumbo	4.155%	4.22%	24 Month to 29 Month
Details IRA & Jumbo certificates; $500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum investment for jumbo certificates; Effective October 27, 2026 through October 31, 2026 Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 3.72% → 4.22% ▲ 0.50 pts · high 4.22% / low 3.72% Oct 29, 20264.22%▲ from 4.07% Oct 13, 20264.07%▲ from 3.92% Sep 25, 20263.92%▲ from 3.87% Sep 18, 20263.87%▲ from 3.72% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
36 Month Share Certificate Accounts - Share	4.135%	4.20%	36 Month to 47 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History 4 changes since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85% Oct 29, 20264.20%▲ from 4.05% Oct 9, 20264.05%▲ from 4.00% Oct 5, 20264.00%▲ from 3.90% Sep 25, 20263.90%▲ from 3.85% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
18 Month Share Certificate Accounts - IRA & Jumbo	4.106%	4.17%	18 Month to 23 Month
Details IRA & Jumbo certificates; $500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum investment for jumbo certificates; Effective October 27, 2026 through October 31, 2026 Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 3.67% → 4.17% ▲ 0.50 pts · high 4.17% / low 3.67% Oct 29, 20264.17%▲ from 4.02% Oct 13, 20264.02%▲ from 3.87% Sep 25, 20263.87%▲ from 3.82% Sep 18, 20263.82%▲ from 3.67% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
12 Month Share Certificate Accounts - Share	4.087%	4.15%	12 Month to 17 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Oct 29, 20264.15%▲ from 4.05% Oct 9, 20264.05%▲ from 4.00% Sep 25, 20264.00%▲ from 3.95% Sep 18, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
30 Month Share Certificate Accounts - Share	4.087%	4.15%	30 Month to 35 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History 4 changes since Sep 18, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80% Oct 29, 20264.15%▲ from 4.00% Oct 9, 20264.00%▲ from 3.95% Oct 5, 20263.95%▲ from 3.85% Sep 25, 20263.85%▲ from 3.80% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
24 Month Share Certificate Accounts - Share	4.038%	4.10%	24 Month to 29 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History 4 changes since Sep 18, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75% Oct 29, 20264.10%▲ from 3.95% Oct 9, 20263.95%▲ from 3.90% Oct 5, 20263.90%▲ from 3.80% Sep 25, 20263.80%▲ from 3.75% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
18 Month Share Certificate Accounts - Share	3.99%	4.05%	18 Month to 23 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History 4 changes since Sep 18, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70% Oct 29, 20264.05%▲ from 3.90% Oct 9, 20263.90%▲ from 3.85% Oct 5, 20263.85%▲ from 3.75% Sep 25, 20263.75%▲ from 3.70% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
6 Month Share Certificate Accounts - IRA & Jumbo	3.864%	3.92%	6 Month to 11 Month
Details IRA & Jumbo certificates; $500 minimum investment for 6-60 month regular & IRA certificates; $100,000 minimum investment for jumbo certificates; Effective October 27, 2026 through October 31, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87% Oct 29, 20263.92%▲ from 3.87% Sep 14, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
6 Month Share Certificate Accounts - Share	3.747%	3.80%	6 Month to 11 Month
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75% Oct 29, 20263.80%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
7 Day Share Certificate Accounts - Share	1.936%	1.95%	7 Day up to 91 Day
Min Deposit $7,500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%

Houston Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	1.193%	1.20%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Club Accounts	0.20%	0.20%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%

Houston Federal Credit Union Money Market Rates

Product	Rate	APY
Insured Money Market	1.44%	1.45%
Min Balance $100,000 Details Balance: greater than or equal to $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Insured Money Market	1.342%	1.35%
Min Balance $40,000 Details Balance: $40,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Insured Money Market	1.193%	1.20%
Min Balance $20,000 Details Balance: $20,000 - $39,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Insured Money Market	0.847%	0.85%
Min Balance $10,000 Details Balance: $10,000 - $19,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Insured Money Market	0.797%	0.80%
Min Balance $2,000 Details Balance: $2,000 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Insured Money Market	0.00%	0.00%
Min Balance $0 Details Balance: $0.00 - $1,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%

Houston Federal Credit Union Business Checking Rates

Product	Rate	APY
Platinum Business Checking	0.03%	0.03%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Classic Business Checking	0.02%	0.02%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Free Business Checking	0.00%	0.00%
No additional details. Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%

Houston Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage Loan - 10 Year Fixed	5.625%	-	5.845%	10 Year
Details APR - Fixed Rate as low as Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.85% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Mortgage Loan - 15 Year Fixed	5.875%	-	6.031%	15 Year
Details APR - Fixed Rate as low as Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.03% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Mortgage Loan - 20 Year Fixed	6.375%	-	6.502%	20 Year
Details APR - Fixed Rate as low as Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Mortgage Loan - 30 Year Fixed	6.625%	-	6.722%	30 Year
Details APR - Fixed Rate as low as Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.72% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%

Houston Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 60 Month Balloon	-	-	6.25%	60 Month
Details As Low As; Balloon Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
South Carolina HELOC	-	-	7.00%
Details As Low As; LTV: Up to 80%; Variable Rate Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Home Equity Loan - 144 Month Fixed	-	-	7.75%	144 Month
Details As Low As; Fixed Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
South Carolina HELOC	-	-	8.00%
Details As Low As; LTV: 81% - 90%; Variable Rate Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%

Houston Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Automobile Loan	-	-	4.25%	Up to 36 Months
Details As Low As; APR - Fixed Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Used Automobile Loan	-	-	4.25%	Up to 36 Months
Details As Low As; Fixed rate; Loan rates below effective through October 31, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
New Automobile Loan	-	-	4.50%	37 - 48 Months
Details As Low As; APR - Fixed Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Used Automobile Loan	-	-	4.50%	37 - 48 Months
Details As Low As; Fixed rate; Loan rates below effective through October 31, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
New Automobile Loan	-	-	4.95%	49 - 60 Months
Details As Low As; APR - Fixed Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.95% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Used Automobile Loan	-	-	4.95%	49 - 60 Months
Details As Low As; Fixed rate; Loan rates below effective through October 31, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.95% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
New Automobile Loan	-	-	5.75%	61 - 72 Months
Details As Low As; APR - Fixed Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Used Automobile Loan	-	-	5.75%	61 - 72 Months
Details As Low As; Fixed rate; Loan rates below effective through October 31, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.75% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
New Automobile Loan	-	-	6.25%	73 - 84 Months
Details As Low As; APR - Fixed Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Used Automobile Loan	-	-	6.25%	73 - 84 Months
Details As Low As; Fixed rate; Loan rates below effective through October 31, 2026 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%

Houston Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorhomes, RVs and Travel Trailers Loan	-	7.50%	Up to 60 Months
Details Amount: $5,000 - $14,999; APR - Fixed Rate as low as; Loan terms 72-84 months require a $20,000 minimum loan Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Motorhomes, RVs and Travel Trailers Loan	-	7.95%	Up to 72 Months
Details Amount: $15,000 - $24,999; APR - Fixed Rate as low as Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.95% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Motorhomes, RVs and Travel Trailers Loan	-	8.75%	Up to 120 Months
Details Amount: $25,000 - $74,999; APR - Fixed Rate as low as Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Motorhomes, RVs and Travel Trailers Loan	-	9.25%	Up to 144 Months
Details Amount: $75,000 - $149,999; APR - Fixed Rate as low as Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 9.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Motorhomes, RVs and Travel Trailers Loan	-	9.25%	Up to 180 Months
Details Amount: $150,000 - 250,000; APR - Fixed Rate as low as Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 9.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%

Houston Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Prime Lock	-	7.00%
Details As Low As; Variable Rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 5, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Visa Advantage Secured	-	8.99%
Details As Low As; Variable Rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74% Oct 5, 20268.99%▲ from 8.74% Sep 14, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Visa Business Platinum	-	8.99%
Details As Low As; Variable Rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74% Oct 5, 20268.99%▲ from 8.74% Sep 14, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Visa Platinum Advantage	-	8.99%
Details As Low As; Variable Rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74% Oct 5, 20268.99%▲ from 8.74% Sep 14, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Visa Platinum Family	-	8.99%
Details As Low As; Variable Rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74% Oct 5, 20268.99%▲ from 8.74% Sep 14, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Visa Platinum Rewards	-	9.99%
Details As Low As; Variable Rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 9.74% → 9.99% ▲ 0.25 pts · high 9.99% / low 9.74% Oct 5, 20269.99%▲ from 9.74% Sep 14, 20269.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%

Houston Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan - 120 Months	-	-	6.99%	120 Months
Details As Low As; Fixed Rate; Home Improvement Loans Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Home Improvement Loan - 180 Months	-	-	7.49%	180 Months
Details As Low As; Fixed Rate; Home Improvement Loans Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Home Improvement Loan - 60 Months	-	-	5.99%	60 Months
Details As Low As; Fixed Rate; Home Improvement Loans Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Loan Special	-	-	9.50%	Up to 18 Months
Details As Low As; Amount: Up to $2,500; APR - Fixed Rate as low as Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Lot Loans	-	-	5.99%	36 Month Max Term
Details As Low As; LTV: Up to 70% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Lot Loans	-	-	6.99%	36 Month Max Term
Details As Low As; LTV: 71% to 80% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%
Lot Loans	-	-	7.49%	36 Month Max Term
Details As Low As; LTV: 81% to 90% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.70%

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.
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Financial Health History

Houston Federal Credit Union’s Texas Ratio stayed near 2.22% in Q3 2023 to 2.70% 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.

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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$952M	2.70%	5.0	A+
March 31, 2026	$962M	1.93%	5.0	A+
December 31, 2025	$951M	2.64%	5.0	A+
September 30, 2025	$953M	2.47%	5.0	A+
June 30, 2025	$941M	2.36%	5.0	A+
March 31, 2025	$955M	2.67%	5.0	A+
December 31, 2024	$939M	2.07%	5.0	A+
September 30, 2024	$1.0B	1.83%	5.0	A+
June 30, 2024	$1.0B	2.05%	5.0	A+
March 31, 2024	$1.0B	2.40%	5.0	A+
December 31, 2023	$905M	2.47%	5.0	A+
September 30, 2023	$895M	2.22%	5.0	A+

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 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 7

Branch Locations 12

ATM Locations 11

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.70%

Return on Assets (ROA)

0.2155%

Return on Equity (ROE)

2.1816%

Non-Performing Loans Ratio (NPL)

0.49%

Total Assets

951,994,691

Total Amount of Shares and Deposits

850,289,433

Total Shares and Deposits < 1 Year

761,921,563

Total Shares and Deposits 1 3 Years

74,366,330

Total Shares and Deposits > 3 Years

14,001,540

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

80,615,186

Total Uninsured Shares and Deposits > $250K (F+J)

80,615,186

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

769,674,247

Total Interest Expense (Sum of items 6 8)

11,038,524

Share Certificates

4,803

Number of Accounts for Share Drafts

36,159

IRA KEOGH Accounts

2,175

Number of Accounts for Regular Shares

62,163

All other shares

103

Money Market Shares

3,300

Net Income (unless the amount is already included in Undivided Earnings)

2,051,127

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)

112,934,416

Total Liabilities

864,215,623

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Houston Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Houston Federal Credit Union

Does Houston Federal Credit Union offer CDs?

Yes. Houston Federal Credit Union current CD rates include its 60 Month CD Accounts - Share at 4.35% APY, its 48 Month CD Accounts - Share at 4.25% APY and its 36 Month CD Accounts - Share at 4.20% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Houston Federal Credit Union NCUA insured?

Yes. Houston Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Houston Federal Credit Union?

The highest Houston Federal Credit Union CD rate is its 60 Month CD Accounts - IRA & Jumbo at 4.47% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Houston Federal Credit Union offer?

Houston Federal Credit Union CD rates are 4.15% APY for a 12 month CD, 4.05% APY for an 18 month CD, 4.10% APY for a 2 year CD, 4.15% APY for a 30 month CD, 4.20% APY for a 3 year CD, 4.25% APY for a 4 year CD and 4.35% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Houston Federal Credit Union for its full lineup.

What is the highest savings rate at Houston Federal Credit Union?

The highest Houston Federal Credit Union savings rate is its Health Savings Account at 1.20% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Houston Federal Credit Union?

The highest Houston Federal Credit Union money market rate is its Insured Money Market at 1.45% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Houston Federal Credit Union?

The highest Houston Federal Credit Union checking rate is its Platinum Business Checking at 0.03% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Houston Federal Credit Union?

The lowest Houston Federal Credit Union 30 year fixed mortgage rate is its Mortgage Loan - 30 Year Fixed at 6.625%, verified by MonitorBankRates as of October 29, 2026. Houston Federal Credit Union mortgage rates are 6.625% for a 30 year mortgage, 6.375% for a 20 year mortgage, 5.875% for a 15 year mortgage and 5.625% for a 10 year mortgage.

What is the lowest credit card APR at Houston Federal Credit Union?

The lowest Houston Federal Credit Union credit card APR is its Visa Prime Lock Credit Card at 7.00% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Houston Federal Credit Union rates compare?

Houston Federal Credit Union's CD rates are 43% higher than the MonitorBankRates national average, and it has an A+ health rating. Houston Federal Credit Union's top rates are its 60 Month CD Accounts - IRA & Jumbo at 4.47% APY, its Health Savings Account at 1.20% APY, its Insured Money Market at 1.45% APY, its Platinum Business Checking at 0.03% APY, its Mortgage Loan - 10 Year Fixed at 5.625%, its New Automobile Loan at 4.25% APR and its Visa Prime Lock Credit Card at 7.00% APR, verified by MonitorBankRates on October 29, 2026.

Current Houston Federal Credit Union Rates

12-Month CD4.15%
18-Month CD4.05%
24-Month CD4.10%
60-Month CD4.35%
Savings1.20%
MMA1.45%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Houston Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Houston Federal Credit Union Texas Ratio

Houston Federal Credit Union Health Trend

Houston Federal Credit Union CD Rates

Houston Federal Credit Union Savings Rates

Houston Federal Credit Union Money Market Rates

Houston Federal Credit Union Business 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 Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Houston Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Houston Federal Credit Union

Does Houston Federal Credit Union offer CDs?

Are CDs from Houston Federal Credit Union NCUA insured?

What is the highest CD rate at Houston Federal Credit Union?

What CD terms does Houston Federal Credit Union offer?

What is the highest savings rate at Houston Federal Credit Union?

What is the highest money market rate at Houston Federal Credit Union?

What is the highest checking rate at Houston Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Houston Federal Credit Union?

What is the lowest credit card APR at Houston Federal Credit Union?

How many branches does Houston Federal Credit Union operate?

Is a member application needed to join Houston Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Houston Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Houston Federal Credit Union rates compare?

Current Houston Federal Credit Union Rates

Compare to Other Credit Unions