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Houston Federal Credit Union - Houston Federal Credit Union For All Your Financial Needs

history stability members first services savings checking loans business accounts automated banking member discounts

When you can trust one credit union to handle all of your financial business, you will make your life simpler and less stressful. Whether your needs include savings accounts, checking accounts, long term savings with higher interest rates, retirement accounts, investment services, insurance, loans, mortgages, credit cards or just about anything regarding finances, Houston Federal Credit Union is the place for you.


Houston Federal Credit Union originally began as Fluor Mid-Continent Employees Federal Credit Union in 1960 to be a service for its members and meet their financial needs. Today, HFCU has assets of over 280 million dollars, more than 44,000 members and the strength and stability to supply the total array of financial products that serve its members successfully.


The management, committee members and board of directors at Houston Federal Credit Union constantly scrutinize the marketplace and the finances of the credit union to make the right decisions that keep the stability of HFCU ensured.

Members First

Houston Federal Credit Union strives to put members first, give them the best service and convenience in a courteous, friendly, professional manner, and exceed their expectations in every way. Their mission statement, adopted in February of 2007, states: “Be our members’ advocate by helping them to achieve their dreams with personalized financial solutions.”


Houston Federal Credit Union offers MasterCard and Visa credit cards with low interest rates to make your shopping and online purchases more convenient. Wire transfers will help when you need to transfer money to another financial institution, and safe deposit boxes will keep your valuable items in a secure place.


HFCU offers various types of savings accounts, money market accounts, certificates of deposit and retirement accounts to meet your needs.


Choose one or more of HFCU’s different checking accounts that will best fit your requirements.


Use personal loans to buy a vehicle, RV, boat, computer, furniture or the like, and the item you purchase will be security for the loan. However, if you qualify for an unsecured loan, you can use the money any way you want. When you get a loan and use your savings account or certificates at the credit union as security, you can have a longer term and lower interest rate.

Purchase a home, refinance your home to get a lower interest rate with lower payments or get a home improvement loan to fix it up. At Houston Federal Credit Union, you will get great rates and excellent service from the friendly loan officers.

The simple interest loans at HFCU charge interest only on the unpaid principal balance of the loan for the number of days since the last payment. Therefore, if you make payments weekly or every other week, your principal balance will be reduced frequently, and the total interest that you pay over the life of the loan will be less than if you make monthly payments.

You can normally receive a decision on a loan approval less than 24 hours after you make your application.

If your employer offers payroll deduction, you can make payments as well as deposits automatically for greater convenience.

Credit Life and Credit Disability Insurance on your loans is available at a reasonable price if you want that additional security.

Business Accounts

When you own a small business, HFCU is the perfect place to handle your financial transactions. Houston Federal Credit Union can assist you with loans styled to meet the needs of your business, and the business deposit accounts are flexible and pay high returns. Some of the many merchant services offered are processing of credit cards and debit cards to help you with cash flow and business costs.

Automated Banking

ATMs and eZPay services are just some examples of the automated services that provide convenience and flexibility for members.

Member Discounts

HFCU members receive discounts at various businesses in the area just because they belong to the credit union.

When you want to be confident that you are making the wisest financial decisions for your future, come to Houston Federal Credit Union where you will find the best rates for savings as well as loans. Since it is non-profit, working to benefit its members instead of to make a profit for the credit union itself, it can offer these great rates. When you join Houston Federal Credit Union, you can have peace of mind and know that your finances are in good hands.

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