Credit union · NCUA insured
Houston Federal Credit Union CD Rates
Top CarrotHouston Federal Credit Union’s best CD rate is 4.32% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Houston Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Houston Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Houston Federal Credit Union
4.20%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,284
Flexible-Term 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
Houston Federal Credit Union CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.20%
- QualifiedQualified4.20%
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 Houston 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 Flexible-term Certificate
Up to 4.32%APY · 8 terms
Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit. Penalty for early withdrawal of principal prior to maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.87% | — |
| 12–17 months | 4.17% | — |
| 18–23 months | 4.02% | — |
| 24–29 months | 4.07% | — |
| 30–35 months | 4.12% | — |
| 36–47 months | 4.17% | — |
| 48–59 months | 4.22% | — |
| 60 months | 4.32% | — |
Sources (2)
All captured Oct 6, 2026
Flexible-Term Certificate
Up to 4.20%APY · 8 terms
Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit. Penalty for early withdrawal of principal prior to maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.75% | $186 |
| 12–17 months | 4.05% | $405 |
| 18–23 months | 3.90% | $591 |
| 24–29 months | 3.95% | $806 |
| 30–35 months | 4.00% | $1,030 |
| 36–47 months | 4.05% | $1,265 |
| 48–59 months | 4.10% | $1,744 |
| 60 months | 4.20% | $2,284 |
Sources (2)
All captured Oct 6, 2026
Short-Term Certificate
1.95%APY
Dividends are paid at maturity date. Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit. Penalty for early withdrawal of principal prior to maturity.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTerm: 7 Day up to 91 Day.Any balance | 1.95% | $195 | Term: 7 Day up to 91 Day. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Flexible-Term Certificate
Up to 4.32%APY · 8 terms
Can be part of Traditional or Roth IRA or Coverdell Education Savings Account. Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.87% | $192 |
| 12–17 months | 4.17% | $417 |
| 18–23 months | 4.02% | $609 |
| 24–29 months | 4.07% | $831 |
| 30–35 months | 4.12% | $1,062 |
| 36–47 months | 4.17% | $1,304 |
| 48–59 months | 4.22% | $1,798 |
| 60 months | 4.32% | $2,355 |
Who can join Houston 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
- 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.
Membership information collected October 5, 2026.