What are the current interest rates at HOUSTON TEXAS FIRE FIGHTERS?

Current rates for HOUSTON TEXAS FIRE FIGHTERS include: 12-Month CD: 3.82%, 18-Month CD: 3.82%, 24-Month CD: 3.92%, 60-Month CD: 3.76%

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HOUSTON TEXAS FIRE FIGHTERS

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HOUSTON TEXAS FIRE FIGHTERS Rates & Review October 2026

Q: Is a member application needed to join HOUSTON TEXAS FIRE FIGHTERS?

Yes, to access services at HOUSTON TEXAS FIRE FIGHTERS, 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, HOUSTON TEXAS FIRE FIGHTERS 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 and Verified: October 10, 2026

HOUSTON TEXAS FIRE FIGHTERS's top rates as of October 10, 2026 are 3.92% APY on its 2 Year CD, and personal loans from 9.95% APR, according to rates verified by MonitorBankRates. Other HOUSTON TEXAS FIRE FIGHTERS CD rates include 3 Year CD at 3.87%, 4 Year CD at 3.87%, and 5 Year CD at 3.87%. MonitorBankRates evaluates the financial stability of HOUSTON TEXAS FIRE FIGHTERS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.14%. Rates last updated and verified on 10/10/2026.

HOUSTON TEXAS FIRE FIGHTERS 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 TEXAS FIRE FIGHTERS? Share your experience about HOUSTON TEXAS FIRE FIGHTERS by leaving a review below, or read customer reviews before you decide to use HOUSTON TEXAS FIRE FIGHTERS.

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

1.14%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

HOUSTON TEXAS FIRE FIGHTERS
Houston Texas Fire Fighters FCU

4200 Kolb St
Houston, TX 77007

http://htfffcu.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 TEXAS FIRE FIGHTERS CD Rates

Product	Rate	APY	Term
2 Year Certificate	3.85%	3.92%	2 Year
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.92% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
3 Year Certificate	3.80%	3.87%	3 Year
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.87% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
4 Year Certificate	3.80%	3.87%	4 Year
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.87% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
5 Year Certificate	3.80%	3.87%	5 Year
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.87% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
Jumbo Step Up Certificates - 3 Year	3.80%	3.87%	3 Year
Min Balance $90,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.87% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
Jumbo Step Up Certificates - 4 Year	3.80%	3.87%	4 Year
Min Balance $90,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.87% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
Jumbo Step Up Certificates - 5 Year	3.80%	3.87%	5 Year
Min Balance $90,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.87% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
1 Year Certificate	3.75%	3.82%	1 Year
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.82% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
1 Year Puppy Pak	3.75%	3.82%	1 Year
Min Balance $100 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.82% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
1 Year Teen	3.75%	3.82%	1 Year
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.82% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
18 Month Certificate	3.75%	3.82%	18 Months
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.82% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
180 Day Certificate	3.70%	3.76%	180 Days
Min Balance $1,000 Details not available for IRAs Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
Step Up Share Certificates - 3 Year	3.70%	3.76%	3 Year
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
Step Up Share Certificates - 4 Year	3.70%	3.76%	4 Year
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
Step Up Share Certificates - 5 Year	3.70%	3.76%	5 Year
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
30 Month Certificate	3.20%	3.25%	30 Months
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%
90 Day Certificate	0.75%	0.75%	90 Days
Min Balance $1,000 Details not available for IRAs Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%

HOUSTON TEXAS FIRE FIGHTERS Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Vehicle Loans	-	-	4.00%
Details As Low As; Vehicle Loans starting Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%

HOUSTON TEXAS FIRE FIGHTERS Personal Loan Rates

Product	APR	Term	View More
Personal/Lifestyle/Signature Loan (includes Insurance Loan)	9.95%	1-60 months
Details Published APR range: 9.95% - 18.00%. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 9.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%

HOUSTON TEXAS FIRE FIGHTERS Other Rates

Product	Rate	Points	APY/APR	Term	View More
Variable-Rate Line of Credit	-	-	12.40%	Revolving
Details Published APR range: 12.40 - 15.40%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.40% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.14%

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 TEXAS FIRE FIGHTERS’s Texas Ratio stayed near 1.12% in Q3 2023 to 1.14% 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	$401M	1.14%	5.0	A+
March 31, 2026	$401M	1.33%	5.0	A+
December 31, 2025	$395M	1.34%	5.0	A+
September 30, 2025	$394M	0.65%	5.0	A+
June 30, 2025	$404M	1.03%	5.0	A+
March 31, 2025	$412M	0.64%	5.0	A+
December 31, 2024	$412M	1.30%	5.0	A+
September 30, 2024	$425M	0.51%	5.0	A+
June 30, 2024	$338M	0.70%	5.0	A+
March 31, 2024	$338M	0.94%	5.0	A+
December 31, 2023	$337M	1.13%	5.0	A+
September 30, 2023	$333M	1.12%	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 TEXAS FIRE FIGHTERS 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 TEXAS FIRE FIGHTERS 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 TEXAS FIRE FIGHTERS's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name HOUSTON TEXAS FIRE FIGHTERS

Website http://htfffcu.org

Address 4200 Kolb St, Houston, TX 77007

Phone 713-864-0959

Fax 713-864-1142

President William McLeroy III

CEO Pamela McIver

Full-Time Employees 55

Part-Time Employees 4

Branch Locations 3

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+ (99/100)

Texas Ratio

1.14%

Return on Assets (ROA)

0.4131%

Return on Equity (ROE)

2.9469%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

401,292,112

Total Amount of Shares and Deposits

340,340,446

Total Shares and Deposits < 1 Year

321,674,592

Total Shares and Deposits 1 3 Years

16,015,568

Total Shares and Deposits > 3 Years

2,650,287

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

25,655,759

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

25,655,759

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

314,684,687

Total Interest Expense (Sum of items 6 8)

2,573,342

Share Certificates

1,645

Number of Accounts for Share Drafts

12,801

IRA KEOGH Accounts

472

Number of Accounts for Regular Shares

21,541

Money Market Shares

728

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)

36,429,359

Total Liabilities

345,194,136

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

HOUSTON TEXAS FIRE FIGHTERS earned the Verified Healthy badge

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Frequently Asked Questions About HOUSTON TEXAS FIRE FIGHTERS

How many branches does HOUSTON TEXAS FIRE FIGHTERS operate?

HOUSTON TEXAS FIRE FIGHTERS 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 TEXAS FIRE FIGHTERS?

Yes, to access services at HOUSTON TEXAS FIRE FIGHTERS, 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 TEXAS FIRE FIGHTERS 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 TEXAS FIRE FIGHTERS provides members with tools to manage their accounts and build a solid financial history.

Does HOUSTON TEXAS FIRE FIGHTERS offer online and mobile banking?

Most modern institutions like HOUSTON TEXAS FIRE FIGHTERS 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: http://htfffcu.org.