Credit union · NCUA insured
Harris County Federal Credit Union Savings Rates
Top CarrotHarris County Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its Alternate Share Account. Rates checked October 16, 2026.
How Harris County Federal Credit Union’s savings 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
0.15%APY
- Minimum
- $5
- Earns on $10,000 a year
- $15
Alternate Share Account
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
Harris County Federal Credit Union savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Alternate Share Account
0.15%APY
Designed for members who wish to set aside funds for special purchases such as home repairs, travel, or holiday gift-giving.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.15% | $15 |
Sources (3)
All captured Sep 17, 2026
Share Account
0.15%APY
Primary share membership account. A minimum balance of $5 is required to be eligible for all other accounts and services.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.15% | $15 |
| $5,000 and up | 0.15% | $15 |
| $25,000 and up | 0.15% | — |
| $100,000 and up | 0.15% | — |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
Educational IRA Share Account
0.65%APY
Education IRA share account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.65% | $65 |
Individual Retirement Accounts
0.65%APY
Tax-deferred savings accounts including Traditional IRA, Roth IRA, Roth Conversion IRA, and SEP IRA share accounts. Annual contribution limits apply depending on the IRA type.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upApplies to Traditional IRA Shares, Roth IRA Share Accounts, Roth Conversion IRAs, and SEP IRA Share Accounts.$25 and up | 0.65% | $65 | Applies to Traditional IRA Shares, Roth IRA Share Accounts, Roth Conversion IRAs, and SEP IRA Share Accounts. |
Sources (3)
- hcfcu.com/resources/rates
- hcfcu.com/accounts/individual-retirement-accounts
- hcfcu.com/accounts/newaccounts
All captured Sep 17, 2026
Kid's Treasure Account
0.15%APY
Available for kids under 18 with a qualifying HCFCU member as a joint account holder. Withdrawals are not allowed without the signature of the joint owner.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (3)
All captured Sep 17, 2026
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.