Business Details
50+ Years
experience
Your Trusted Houston Financial Partner for Checking, Loans & Savings
Houston Federal Credit Union has been dedicated to serving its members since 1960, rooted in a commitment to community and personalized financial solutions. With over $900 million in assets, we operate across Texas and South Carolina, offering a comprehensive range of financial products and services designed to meet diverse needs. Our mission focuses on advocating for members by providing tailored financial strategies that empower them to achieve their goals. As a member-owned institution, we prioritize transparency, trust, and exceptional service, ensuring every decision aligns with our members' best interests. Backed by NCUSIF insurance, we safeguard deposits up to $250,000, reinforcing our reliability and stability.Through innovative tools like 24/7 online banking and Zelle, we combine convenience with security to enhance financial well-being. Our team consistently delivers friendly, knowledgeable support, as evidenced by member testimonials highlighting positive experiences with staff like Julia, Chrystal, and Merrie. By offering competitive rates on loans, credit cards, and savings accounts, we help members save money and build financial resilience. Community engagement remains central to our identity, reflected in initiatives like financial education programs and local outreach. Joining Houston Federal Credit Union means becoming part of a legacy built on trust, where your financial success is our shared mission.
Services
Personal Checking
Vehicle Loans
Mortgage Loans
Business Loans
Credit Cards
Savings Accounts
Overdraft Protection
Financial Counseling
Zelle Transfers
IRA Accounts
Details
- Year established: 1960
Highlights and features
- We offer over 60 years of experience serving Texas and South Carolina communities.
- Our personalized financial solutions prioritize member needs over corporate profits.
- Competitive rates on loans, credit cards, and savings accounts help members save.
- 24/7 digital banking tools provide secure, convenient financial management.
- NCUSIF insurance protects deposits up to $250,000 for member security.
Associations and certifications
- National Credit Union Share Insurance Fund (NCUSIF)
What people say
Super friendly and helpful
Outstanding service
Personal touch
Professionalism
Saved money
Services
Personal Checking
HFCU offers multiple checking options including 360 Secure Checking with identity theft protection, Basic Checking with no monthly fee, and Youth Checking for ages 12-17. These accounts provide features like overdraft protection, Zelle integration, and direct deposit. Designed for comprehensive financial management with both digital and in-branch accessibility.
Vehicle Loans
Competitive auto loan rates starting at 4.50% APR help members purchase vehicles while saving money. Flexible terms accommodate various credit profiles with personalized financing solutions. Loan payment assistance available through online tools and member support services.
Mortgage Loans
HFCU provides mortgage solutions with rates from 5.250% APR, including low closing costs and no origination fees. Services cover conventional mortgages, home equity loans, and home improvement financing. Dedicated support guides members through the home buying process.
Business Loans
SBA loan programs and business credit products support local enterprises with tailored financing options. Services include merchant processing, business checking, and credit card solutions designed for operational growth and cash flow management.
Financial Counseling
Free personalized financial education and counseling services help members improve money management skills. Resources include online tools, calculators, and one-on-one guidance to create customized financial plans aligned with individual goals.
Questions
How do I become a Houston Federal Credit Union member?
Membership requires living or working in specific Texas or South Carolina counties. Visit our website or contact us directly for eligibility details and enrollment assistance.
What online banking features are available?
Access 24/7 account management, bill pay, Zelle transfers, mobile check deposit, and loan payment options through our secure online banking platform and mobile app.
How does overdraft protection work?
Choose from Transfer Overdraft Protection linked to savings, Basic Courtesy Protection up to $750, or Enhanced Protection covering debit card transactions with $24 per-item fees.
What loan types do you offer?
We provide personal, auto, mortgage, home equity, business loans, and credit cards with competitive rates. SBA loan programs available for commercial borrowers.
How do I report a lost or stolen card?
Contact us immediately at 1-866-OUR-HFCU or use the secure messaging feature in online banking to report lost/stolen cards and request replacements.
Are my deposits insured?
Yes, all deposits are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), with separate IRA coverage available.
