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.


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Regular Savings Account

HFCU’s Regular Share Account is the basic savings account that all members* are required to have. Opening and maintaining this account represents membership* in Houston Federal Credit Union, giving members* ownership (1 share) and voting privileges.

Why choose HFCU’s Regular Share Account?

Key Features
Fixed dividend paid on entire balance in the account
The account may be used as collateral for a Share Loan
May be used for special purposes such as creating a personal escrow fund, saving for a down payment on a home or automobile, or building a rainy day fund for emergency purposes
Members may have their pay directly deposited into their account if employer provides Direct Deposit
NCUA insures the cumulative deposits of share-type accounts up to $250,000 (IRAs insured separately)
Only $5 required to open and maintain the account

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%

*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.