Credit union · NCUA insured
Houston Federal Credit Union
Top CarrotA $961.8M credit union headquartered in Sugar Land, TX, with 60,128 members and 12 branches in 2 states. Best rates: CDs 4.32% and savings 0.85% APY.
Houston Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 93% of U.S. banks and credit unions
#12 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Houston Federal Credit Union
Houston Federal Credit Union serves Greater Houston, Texas, with branches in Sugar Land, Houston, Rosenberg, and Missouri City, as well as Greenville, South Carolina.
- Headquarters
- 16320 Kensington Dr, Sugar Land, TX 77479-4097
- NCUA charter
- 14091
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in Houston, Texas, or certain other communities are eligible for membership.
Employers and groups
- Members of a handful of not-for-profit groups (associational SEG organizations) that align with credit union values are eligible for membership.
- Employees of one of dozens of member companies (Select Employee Groups) are eligible for membership.
Family and household
- Immediate family members (including spouse, children, parents, grandparents, grandchildren, siblings, stepparents, stepsisters/brothers, adopted children) or household members of an HFCU member are eligible for membership.
Cost to join
- Opening a share savings account with a minimum $5 deposit is required to establish membership and obtain products or services.
Branches
12 branches in 2 states
Loading map…
Texas
10 branches
- HfcuMain office16320 Kensington Dr, Sugar Land, TX 77479Directions
- Champions5302 FM 1960 Rd W, Houston, TX 77069Directions
- Greenway Plaza24 Greenway Plz Ste 300, Houston, TX 77046Directions
- Hcu7459 Southwest Fwy Ste 100, Houston, TX 77074Directions
- Memorial777 N Eldridge Pkwy Ste 150, Houston, TX 77079Directions
- Northwest21550 State Highway 249, Houston, TX 77070Directions
- Southeast8507 S Sam Houston Pkwy E, Houston, TX 77075Directions
- Sienna8130 Highway 6, Missouri City, TX 77459Directions
- Rosenberg28050 Southwest Fwy, Rosenberg, TX 77471Directions
- Imperial203 Matlage Way, Sugar Land, TX 77478Directions
South Carolina
2 branches
- Greenville100 Fluor Daniel Dr # C102U, Greenville, SC 29607Directions
- Grove Branch2106 Anderson Rd, Greenville, SC 29611Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.88% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.49% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.43% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $63 | $76 | — |
- CapitalNet worth ratio9.88%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.49%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.43%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$63Peers’ 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 Houston 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.