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

Fee Schedule

View PDF Version of Fee Schedule

Effective September 3, 2019

Credit Card Fees
Collection Fees All costs involved in collecting amount owed to HFCU including court costs and reasonable attorney fees.
Late Fee (the lesser of) $15.00 or the amount of the required minimum payment if you are ten (10) or more days late in making a payment.
Minimum Payment (the greater of) $20.00 or 2% of balance
Returned/Dishonored Payment Fee $30.00
Over the Limit Fee $15.00 will be charged when you exceed your account balance limit by more than $100 ($100.01 or more). This will be charged only once per billing cycle, regardless of the number of times your account balance becomes over the limit by more than $100 during a billing cycle.
Stop Payment Fee $15.00
Expedited Card/Pin Order Fee (per item) $27.50