HFCU’s wide range of Savings Accounts provides you with the flexibility you need to help you prepare for your future financial wants and needs.


Apply for an Account

Money Market Accounts

Money Market Accounts are savings accounts with limited checking access. The great news is that members* earn a higher yield on these accounts compared to a regular savings or checking account because minimum balance requirements on Money Market Accounts are relatively higher.

With a Money Market Account, members* can make up to six withdrawals or transfers per month. However, there is an exception to this. Members* can make an unlimited number of withdrawals if done in person or at an ATM.

HFCU Money Market Accounts can be a great choice because:

Key Features
A low minimum balance of $2,000
Tiered Rates (members earn more as higher balances are maintained)
Dividends are compounded and paid monthly

Rates Below Effective: May 1, 2024 and are Payable June 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%

*Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit in order to become a member and obtain any product or service.

**APY = Annual Percentage Yield.
Rates are subject to change monthly.
Fees and other conditions could reduce the earnings on the account.