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Houston Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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| iEditorial Disclosure
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 9, 2026

Houston Federal Credit Union's top rates as of October 9, 2026 are 4.32% APY on its CD Accounts - IRA & Jumbo - 60 Month, 1.20% APY on savings, 1.45% APY on money market accounts, 0.03% APY on checking, personal loans from 10.50% APR, and credit cards from 7.00% APR, according to rates verified by MonitorBankRates. Other Houston Federal Credit Union CD rates include CD Accounts - IRA & Jumbo - 48 Month to 59 Month at 4.22%, 60 Month CD Accounts - Share at 4.20%, and CD Accounts - IRA & Jumbo - 12 Month to 17 Month at 4.17%. 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 10/09/2026.

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.

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: 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
Member NCUA
Customer Reviews
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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 View More
Share Certificate Accounts - IRA & Jumbo - 60 Month 4.252% 4.32% 60 Month
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 4.27% → 4.32% ▲ 0.05 pts · high 4.32% / low 4.27%
3.77%4.30%4.82%Oct 5, 2026: 4.27% APYOct 9, 2026: 4.32% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20264.32%▲ from 4.27%
  • Oct 5, 20264.27%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 48 Month to 59 Month 4.155% 4.22% 48 Month
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 4.17% → 4.22% ▲ 0.05 pts · high 4.22% / low 4.17%
3.67%4.20%4.72%Oct 5, 2026: 4.17% APYOct 9, 2026: 4.22% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20264.22%▲ from 4.17%
  • Oct 5, 20264.17%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
60 Month Share Certificate Accounts - Share 4.135% 4.20% 60 Month
No additional details.
Last Updated 10/09/2026
Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.05% APYOct 5, 2026: 4.15% APYOct 9, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.20%▲ from 4.15%
  • Oct 5, 20264.15%▲ from 4.05%
  • Sep 25, 20264.05%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 12 Month to 17 Month 4.106% 4.17% 12 Month
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
3.62%4.15%4.67%Oct 5, 2026: 4.12% APYOct 9, 2026: 4.17% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20264.17%▲ from 4.12%
  • Oct 5, 20264.12%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 36 Month to 47 Month 4.106% 4.17% 36 Month
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 4.12% → 4.17% ▲ 0.05 pts · high 4.17% / low 4.12%
3.62%4.15%4.67%Oct 5, 2026: 4.12% APYOct 9, 2026: 4.17% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20264.17%▲ from 4.12%
  • Oct 5, 20264.12%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 30 Month to 35 Month 4.058% 4.12% 30 Month
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 4.07% → 4.12% ▲ 0.05 pts · high 4.12% / low 4.07%
3.57%4.10%4.62%Oct 5, 2026: 4.07% APYOct 9, 2026: 4.12% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20264.12%▲ from 4.07%
  • Oct 5, 20264.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
48 Month Share Certificate Accounts - Share 4.038% 4.10% 48 Month to 59 Month
No additional details.
Last Updated 10/09/2026
Rate History
3 changes since Sep 18, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 18, 2026: 3.90% APYSep 25, 2026: 3.95% APYOct 5, 2026: 4.05% APYOct 9, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.10%▲ from 4.05%
  • Oct 5, 20264.05%▲ from 3.95%
  • Sep 25, 20263.95%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 24 Month to 29 Month 4.009% 4.07% 24 Month
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 4.02% → 4.07% ▲ 0.05 pts · high 4.07% / low 4.02%
3.52%4.05%4.57%Oct 5, 2026: 4.02% APYOct 9, 2026: 4.07% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20264.07%▲ from 4.02%
  • Oct 5, 20264.02%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
12 Month Share Certificate Accounts - Share 3.99% 4.05% 12 Month to 17 Month
No additional details.
Last Updated 10/09/2026
Rate History
2 changes since Sep 18, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 18, 2026: 3.95% APYSep 25, 2026: 4.00% APYOct 9, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
  • 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%
36 Month Share Certificate Accounts - Share 3.99% 4.05% 36 Month to 47 Month
No additional details.
Last Updated 10/09/2026
Rate History
3 changes since Sep 18, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 18, 2026: 3.85% APYSep 25, 2026: 3.90% APYOct 5, 2026: 4.00% APYOct 9, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.05%▲ from 4.00%
  • Oct 5, 20264.00%▲ from 3.90%
  • Sep 25, 20263.90%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 18 Month to 23 Month 3.961% 4.02% 18 Month
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 3.97% → 4.02% ▲ 0.05 pts · high 4.02% / low 3.97%
3.47%4.00%4.52%Oct 5, 2026: 3.97% APYOct 9, 2026: 4.02% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20264.02%▲ from 3.97%
  • Oct 5, 20263.97%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
30 Month Share Certificate Accounts - Share 3.941% 4.00% 30 Month to 35 Month
No additional details.
Last Updated 10/09/2026
Rate History
3 changes since Sep 18, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 18, 2026: 3.80% APYSep 25, 2026: 3.85% APYOct 5, 2026: 3.95% APYOct 9, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.95%
  • Oct 5, 20263.95%▲ from 3.85%
  • Sep 25, 20263.85%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
24 Month Share Certificate Accounts - Share 3.893% 3.95% 24 Month to 29 Month
No additional details.
Last Updated 10/09/2026
Rate History
3 changes since Sep 18, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
3.25%3.85%4.45%Sep 18, 2026: 3.75% APYSep 25, 2026: 3.80% APYOct 5, 2026: 3.90% APYOct 9, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.95%▲ from 3.90%
  • Oct 5, 20263.90%▲ from 3.80%
  • Sep 25, 20263.80%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
18 Month Share Certificate Accounts - Share 3.844% 3.90% 18 Month to 23 Month
No additional details.
Last Updated 10/09/2026
Rate History
3 changes since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
3.20%3.80%4.40%Sep 18, 2026: 3.70% APYSep 25, 2026: 3.75% APYOct 5, 2026: 3.85% APYOct 9, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.90%▲ from 3.85%
  • Oct 5, 20263.85%▲ from 3.75%
  • Sep 25, 20263.75%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Share Certificate Accounts - IRA & Jumbo - 6 Month to 11 Month 3.815% 3.87% 6 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 5, 2026: 3.87% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
6 Month Share Certificate Accounts - Share 3.698% 3.75% 6 Month to 11 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
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
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 1.95% APY · checked 6 times
1.45%1.95%2.45%Sep 18, 2026: 1.95% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Houston Federal Credit Union Savings Rates

Product Rate APY View More
Health Savings Account 1.193% 1.20%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 7 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Club Accounts 0.20% 0.20%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Houston Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market - 1.45%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.45% APY · checked 6 times
0.95%1.45%1.95%Sep 14, 2026: 1.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Houston Federal Credit Union Business Checking Rates

Product Rate APY View More
Platinum Business Checking 0.03% 0.03%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 7 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 13, 2026
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 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 7 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
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 View More
Home Equity Loan - - 5.99% 60 Months
Details As Low As; Fixed Rate
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 9 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Home Equity Loan - - 6.25% 60 Month Balloon
Details As Low As; Balloon payment
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 9 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Home Equity Loan - - 6.99% 120 Months
Details As Low As; Fixed Rate
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 9 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
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%
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Oct 5, 2026: 7.00% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Texas Home Equity Line of Credit (HELOC) Loan - - 7.00%
Details Variable Rate
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 14, 2026: 6.75% APRSep 25, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20267.00%▲ from 6.75%
  • Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Home Equity Loan - - 7.49% 180 Months
Details As Low As; Fixed Rate
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 9 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Home Equity Loan - - 7.75% 144 Month Fixed
Details As Low As; Fixed rate
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 9 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
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%
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 8.00% APR · checked 2 times
7.50%8.00%8.50%Oct 5, 2026: 8.00% APROct 5, 2026Oct 13, 2026
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 View More
New Automobile Loan - - 4.25% Up to 36 Months
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
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
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 13, 2026
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
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
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
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 4.50% APR · checked 7 times
4.00%4.50%5.00%Sep 17, 2026: 4.50% APRSep 17, 2026Oct 13, 2026
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
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.95% APR · checked 5 times
4.45%4.95%5.45%Sep 14, 2026: 4.95% APRSep 14, 2026Oct 13, 2026
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
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 4.95% APR · checked 7 times
4.45%4.95%5.45%Sep 17, 2026: 4.95% APRSep 17, 2026Oct 13, 2026
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
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
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
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 5.75% APR · checked 7 times
5.25%5.75%6.25%Sep 17, 2026: 5.75% APRSep 17, 2026Oct 13, 2026
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
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
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
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 6.25% APR · checked 7 times
5.75%6.25%6.75%Sep 17, 2026: 6.25% APRSep 17, 2026Oct 13, 2026
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 View More
Boats, Motorcycles, Jet Skis, etc Loan - 6.25% Up to 36 Months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 6 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Boats, Motorcycles, Jet Skis, etc Loan - 6.50% 37 - 48 Months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 6 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Boats, Motorcycles, Jet Skis, etc Loan - 6.95% 49 - 60 Months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.95% APR · checked 6 times
6.45%6.95%7.45%Sep 14, 2026: 6.95% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Motorhomes, RVs and Travel Trailers Loan - 7.50% Up to 60 Months
Details Amount: $5,000 - $14,999
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 8 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Boats, Motorcycles, Jet Skis, etc Loan - 7.75% 61 - 72 Months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 6 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
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
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.95% APR · checked 8 times
7.45%7.95%8.45%Sep 14, 2026: 7.95% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Boats, Motorcycles, Jet Skis, etc Loan - 8.25% 73 - 84 Months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 6 times
7.75%8.25%8.75%Sep 14, 2026: 8.25% APRSep 14, 2026Oct 13, 2026
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
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 8 times
8.25%8.75%9.25%Sep 14, 2026: 8.75% APRSep 14, 2026Oct 13, 2026
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
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 9.25% APR · checked 7 times
8.75%9.25%9.75%Sep 17, 2026: 9.25% APRSep 17, 2026Oct 13, 2026
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
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 9.25% APR · checked 7 times
8.75%9.25%9.75%Sep 17, 2026: 9.25% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Houston Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Prime Lock - 7.00%
Details Variable Rate
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 14, 2026: 6.75% APROct 5, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
  • 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 Variable Rate
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74%
8.24%8.87%9.49%Sep 14, 2026: 8.74% APROct 5, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
  • 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 Variable Rate
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74%
8.24%8.87%9.49%Sep 14, 2026: 8.74% APROct 5, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
  • 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 Variable Rate
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74%
8.24%8.87%9.49%Sep 14, 2026: 8.74% APROct 5, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
  • 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 Variable Rate
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74%
8.24%8.87%9.49%Sep 14, 2026: 8.74% APROct 5, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
  • 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 Variable Rate
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.74% → 9.99% ▲ 0.25 pts · high 9.99% / low 9.74%
9.24%9.87%10.49%Sep 14, 2026: 9.74% APROct 5, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
  • 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 Personal Loan Rates

Product APR Term View More
Signature Loans 10.50% 0 - 72 months
Details As Low As; Fixed Rate
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 8 times
10.00%10.50%11.00%Sep 14, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
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 View More
Loan Special - - 9.50% Up to 18 Months
Details Amount: Up to $2,500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 8 times
9.00%9.50%10.00%Sep 14, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Lot Loans - - 5.99% 36 Month Max Term
Details LTV: Up to 70%
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 9 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Lot Loans - - 6.99% 36 Month Max Term
Details LTV: 71% to 80%
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 9 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Lot Loans - - 7.49% 36 Month Max Term
Details LTV: 81% to 90%
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 9 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Oct 13, 2026
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.
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.
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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.

0% 1.0★ 0.9% 2.0★ 1.8% 3.0★ 2.7% 4.0★ 3.6% 5.0★ Healthy zone – entire history below the 15% limit 2.22% 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 2.70% 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$952M2.70%5.0A+
March 31, 2026$962M1.93%5.0A+
December 31, 2025$951M2.64%5.0A+
September 30, 2025$953M2.47%5.0A+
June 30, 2025$941M2.36%5.0A+
March 31, 2025$955M2.67%5.0A+
December 31, 2024$939M2.07%5.0A+
September 30, 2024$1.0B1.83%5.0A+
June 30, 2024$1.0B2.05%5.0A+
March 31, 2024$1.0B2.40%5.0A+
December 31, 2023$905M2.47%5.0A+
September 30, 2023$895M2.22%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 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
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Houston Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/houston-federal-credit-union-rates-review-14091">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Houston Federal Credit Union

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

  • 12-Month CD4.05%
  • 18-Month CD3.90%
  • 24-Month CD3.95%
  • 60-Month CD4.20%
  • Savings1.20%
  • MMA1.45%
Retrieved from our database of financial products. Rates subject to change.

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