Succeed

Houston Federal Credit Union’s super low rates and minimal or non-existent fees help our members thrive and reach their financial goals.

Current Rates

Share Certificate Rates Below Effective:

Share Certificate Accounts

Term Share IRA & Jumbo
Dividend Rate APY Dividend Rate APY
7 Day up to 91 Day 0.350% 0.350% N/A N/A
6 Month up to 12 Month 0.499% 0.500% 0.619% 0.620%
12 Month up to 18 Month 0.648% 0.650% 0.768% 0.770%
18 Month up to 24 Month 0.748% 0.750% 0.867% 0.870%
24 Month up to 30 Month 0.798% 0.800% 0.917% 0.920%
30 Month up to 36 Month 0.847% 0.850% 0.966% 0.970%
36 Month up to 48 Month 0.947% 0.950% 1.066% 1.070%
48 Month up to 60 Month 0.996% 1.000% 1.115% 1.120%
Greater than 60 Month 1.046% 1.050% 1.165% 1.170%

Rates Below Effective: September 1, 2020 and are Payable October 1, 2020

Insured Money Market Rates

Amount Dividend Rate APY
$.00 – $1,999.99 0.00% 0.00%
$2,000 – $9,999.99 0.300% 0.30%
$10,000 – $19,999.99 0.349% 0.35%
$20,000 – $39,999.99 0.399% 0.40%
$40,000 – $99,999.99 0.449% 0.45%
greater than or equal to $100,000 0.549% 0.55%

Rates Below Effective: September 1, 2020 and are Payable October 1, 2020

IRA Share Rates

Amount Dividend Rate APY
$.00 – $99,999.99 0.399% 0.40%
greater than or equal to $100,000 0.549% 0.55%

Rate Below Effective: September 1, 2020 and are Payable October 1, 2020

Health Savings Accounts (HSAs)

Type Dividend Rate APY
Health Savings Account 0.399% 0.40%

Rates Below Effective: September 1, 2020 and are Payable October 1, 2020

Club and Checking Rates

Type Dividend Rate APY
Holiday/Vacation Club Accounts 0.300% 0.30%
Flexible Checking 0.03% 0.03%

Rates Below Effective: September 1, 2020 and are Payable October 1, 2020

Share Rates

Amount Dividend Rate APY
$0.00 – $19,999.99 0.03% 0.03%
$20,000 – $99,999.99 0.06% 0.06%
greater than or equal to $100,000 0.08% 0.08%

Rates Below Effective: September 1, 2020 and are Payable October 1, 2020

Business Checking Rates

Type Dividend Rate APY
Free Business Checking 0.00% 0.00%
Classic Business Checking 0.02% 0.02%
Platinum Business Checking 0.03% 0.03%

APY = Annual Percentage Yield.
Rates are subject to change weekly.
$7,500 minimum investment for 7-91 day regular certificates.
$500 minimum investment for 6-60 month regular & IRA certificates.
$100,000 minimum investment for jumbo certificates.
Fees and other conditions could reduce the earnings on the account.
Share dividend rates are set by the Board of Directors monthly. Certificate dividend rates are set weekly.