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: April 9, 2024 through April 15, 2024

Share Certificate Accounts

Term Share IRA & Jumbo
Dividend Rate APY Dividend Rate APY
7 Day up to 91 Day 2.967% 3.000% N/A N/A
6 Month to 11 Month 4.426% 4.500% 4.542% 4.620%
12 Month to 17 Month 5.005% 5.100% 5.121% 5.220%
18 Month to 23 Month 4.523% 4.600% 4.639% 4.720%
24 Month to 29 Month 4.184% 4.250% 4.300% 4.370%
30 Month to 35 Month 4.135% 4.200% 4.252% 4.320%
36 Month to 47 Month 4.135% 4.200% 4.252% 4.320%
48 Month to 59 Month 4.135% 4.200% 4.252% 4.320%
60 Month 4.135% 4.200% 4.252% 4.320%

Rates Below Effective: April 1, 2024 and are Payable May 1, 2024

Insured Money Market Rates

Amount Dividend Rate APY
$.00 – $1,999.99 0.00% 0.00%
$2,000 – $9,999.99 1.094% 1.10%
$10,000 – $19,999.99 1.144% 1.15%
$20,000 – $39,999.99 1.785% 1.80%
$40,000 – $99,999.99 2.129% 2.15%
greater than or equal to $100,000 2.325% 2.35%

Rates Below Effective: April 1, 2024 and are Payable May 1, 2024

IRA Share Rates

Amount Dividend Rate APY
$.00 – $99,999.99 1.785% 1.80%
greater than or equal to $100,000 2.325% 2.35%

Rate Below Effective: April 1, 2024 and are Payable May 1, 2024

Health Savings Accounts (HSAs)

Type Dividend Rate APY
Health Savings Account 1.785% 1.80%

Rates Below Effective: April 1, 2024 and are Payable May 1, 2024

Club and Checking Rates

Type Dividend Rate APY
Holiday/Vacation Club Accounts 0.25% 0.25%
Flexible Checking 0.05% 0.05%

Rates Below Effective: April 1, 2024 and are Payable May 1, 2024

Share Rates

Amount Dividend Rate APY
$0.00 – $19,999.99 0.10% 0.10%
$20,000 – $99,999.99 0.15% 0.15%
greater than or equal to $100,000 0.25% 0.25%

Rates Below Effective: April 1, 2024 and are Payable May 1, 2024

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.