Credit union · NCUA insured
Harris County Federal Credit Union CD Rates
Top CarrotHarris County Federal Credit Union’s best CD rate is 3.92% APY on a 3-year share certificate (CD). Terms run from 1 year to 3 years. Rates checked October 16, 2026.
How Harris County Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Harris County Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Harris County Federal Credit Union
3.82%APY
- Term
- 36 months
- Minimum
- $35
- Earns on $10,000
- $1,190
Payroll Deduction Certificate
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Harris County Federal Credit Union CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 9–15 months9–15 mo3.61%
- 16–30 months16–30 mo3.71%
- 31–60 months31–60 mo3.82%
- QualifiedQualified3.82%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Harris County Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Share Certificate
Up to 3.92%APY · 3 terms
Offers automatic renewals of certificates and a grace period of 7 days after maturity to withdraw funds without penalty. Early withdrawal penalties may apply for withdrawals before maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.66% | $366 |
| 24 months | 3.82% | $779 |
| 36 months | 3.92% | $1,223 |
Sources (4)
- hcfcu.com/resources/rates
- hcfcu.com/resources/cudisclosures
- hcfcu.com/accounts/newaccounts
- hcfcu.com/accounts/share-certificates
All captured Oct 6, 2026
Payroll Deduction Certificate
Up to 3.82%APY · 3 terms
Funded via payroll deduction ($35.00 – $105.00 per pay period). Offers automatic renewals of certificates and a grace period of 7 days after maturity to withdraw funds without penalty. Early withdrawal penalties may apply for withdrawals before maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.61% | $361 |
| 24 months | 3.71% | $756 |
| 36 months | 3.82% | $1,190 |
Sources (3)
All captured Oct 6, 2026
Share Certificate
Up to 3.82%APY · 3 terms
Offers automatic renewals of certificates and a grace period of 7 days after maturity to withdraw funds without penalty. Early withdrawal penalties may apply for withdrawals before maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.61% | $361 |
| 24 months | 3.71% | $756 |
| 36 months | 3.82% | $1,190 |
Sources (3)
All captured Oct 6, 2026
Special-purpose accounts
IRA Jumbo Share Certificate
Up to 4.07%APY · 3 terms
Individual Retirement Account jumbo certificate. Offers automatic renewals of certificates and a grace period of 7 days after maturity to withdraw funds without penalty. Early withdrawal penalties may apply for withdrawals before maturity date. Consult a tax advisor.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.87% | $387 |
| 24 months | 3.97% | $810 |
| 36 months | 4.07% | $1,271 |
IRA Certificate
Up to 3.97%APY · 3 terms
Individual Retirement Account certificate. Offers automatic renewals of certificates and a grace period of 7 days after maturity to withdraw funds without penalty. Early withdrawal penalties may apply for withdrawals before maturity date. Consult a tax advisor.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.76% | $376 |
| 24 months | 3.87% | $789 |
| 36 months | 3.97% | $1,239 |
IRA Payroll Deduction Certificate
Up to 3.97%APY · 3 terms
Individual Retirement Account certificate funded via payroll deduction ($35.00 – $105.00 per pay period). Offers automatic renewals of certificates and a grace period of 7 days after maturity to withdraw funds without penalty. Early withdrawal penalties may apply for withdrawals before maturity date. Consult a tax advisor.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.76% | $376 |
| 24 months | 3.87% | $789 |
| 36 months | 3.97% | $1,239 |
Who can join Harris County Federal Credit Union
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.
Membership information collected October 5, 2026.