Credit union · NCUA insured
Harris County Federal Credit Union
Top CarrotA $222.5M credit union headquartered in Houston, TX, with 20,015 members and 1 branch in Texas. Best rates: CDs 3.92% and savings 0.15% APY.
Harris County Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Harris County Federal Credit Union
Established in 1951 by Thelma Joyce Alsup, Harris County Federal Credit Union has served its community for more than 73 years.
Headquartered in Houston, Texas, the credit union was founded with the commitment of providing affordable loans with reasonable interest rates for all Harris County employees.
Today, the institution serves nearly 20,000 members throughout Harris County with a full spectrum of financial solutions.
- Headquarters
- 1400 Franklin St, Houston, TX 77002-2147
- NCUA charter
- 7552
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, attends school, or worships in zip codes 77002, 77003, 77004, 77006, 77011, 77020, 77023, or 77026 is eligible to join.
Military, government and schools
- All current and retired employees of Harris County are eligible to join.
Family and household
- Immediate family members of current HCFCU members are eligible to join.
Cost to join
- It takes $5 to open an account.
Branches
1 branch in Texas
Loading map…
Texas
1 branch
- Main OfficeMain office1400 Franklin St, Houston, TX 77002Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 22.91% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.62% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.86% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $65 | $76 | — |
- CapitalNet worth ratio22.91%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.62%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.86%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$65Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Harris County Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.