Credit union · NCUA insured
Houston Police Credit Union Savings Rates
Top CarrotHouston Police Credit Union’s best savings rate is 1.26% APY on $10,000, with its Primary Savings. Rates checked October 16, 2026.
How Houston Police Credit Union’s savings rates compare
Compared with banks and credit unions near Houston, TX, where Houston Police Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Houston Police Credit Union
1.26%APY
- Minimum
- $5
- Earns on $10,000 a year
- $126
Primary Savings
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
Houston Police Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0001.26%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0001.26%
- QualifiedQualified1.26%
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 Police 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.
Primary Savings
1.26%APY
No minimum balance requirements. Access to all the benefits of membership at HPCU. Blended rate of tiered rate structure.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Compounded and paid monthly. | 1.26% | $126 | Compounded and paid monthly. |
| $100,000 and upCompounded and paid monthly. | 1.26% | — | Compounded and paid monthly. |
Sources (2)
All captured Sep 17, 2026
Secondary Savings
0.75%APY
Dividends compounded daily and paid monthly when a $500.00 balance is maintained.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500 | 0.00% | — | |
| $500 – $2,500Dividend rate and stated APY applicable only if monthly balance is equal to or greater than required minimum monthly balance ($500.00). | 0.75% | — | Dividend rate and stated APY applicable only if monthly balance is equal to or greater than required minimum monthly balance ($500.00). |
| $2,500 and upDividend rate and stated APY applicable only if monthly balance is equal to or greater than required minimum monthly balance ($500.00). | 0.75% | $75 | Dividend rate and stated APY applicable only if monthly balance is equal to or greater than required minimum monthly balance ($500.00). |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Coverdell Education Savings
1.26%APY
Designed for people saving for children or grandchildren under the age of 18. Beneficiary must be 30 years or younger at withdrawal. Subject to early withdrawal penalty.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Compounded daily and paid monthly. Subject to early withdrawal penalty. | 1.26% | $126 | Compounded daily and paid monthly. Subject to early withdrawal penalty. |
| $100,000 and upCompounded daily and paid monthly. Subject to early withdrawal penalty. | 1.26% | — | Compounded daily and paid monthly. Subject to early withdrawal penalty. |
Five-Star Savings
1.26%APY
For teens ages 13-17. No minimum balance requirements. Also listed as Teen Savings on rate schedule.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Compounded and paid monthly. | 1.26% | $126 | Compounded and paid monthly. |
| $100,000 and upCompounded and paid monthly. | 1.26% | — | Compounded and paid monthly. |
Sources (2)
All captured Sep 17, 2026
IRA Savings
1.26%APY
Includes Traditional IRA, Roth IRA, and Roth Conversion IRA options. Subject to a penalty for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Compounded daily and paid monthly. Subject to early withdrawal penalty. | 1.26% | $126 | Compounded daily and paid monthly. Subject to early withdrawal penalty. |
| $100,000 and upCompounded daily and paid monthly. Subject to early withdrawal penalty. | 1.26% | — | Compounded daily and paid monthly. Subject to early withdrawal penalty. |
Lil Star Savings
1.26%APY
For legal dependents of the primary member ages 0-12. No minimum balance requirements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Compounded and paid monthly. | 1.26% | $126 | Compounded and paid monthly. |
| $100,000 and upCompounded and paid monthly. | 1.26% | — | Compounded and paid monthly. |
Sources (2)
All captured Sep 17, 2026
Silver Star Savings
1.26%APY
For members 55 years of age or older.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Compounded and paid monthly. | 1.26% | $126 | Compounded and paid monthly. |
| $100,000 and upCompounded and paid monthly. | 1.26% | — | Compounded and paid monthly. |
Sources (2)
All captured Sep 17, 2026
Who can join Houston Police Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Active or retired Law Enforcement civilian employees within the Houston Metropolitan Statistical Area are eligible to join.
- Active or retired Law Enforcement Officers within the Houston Metropolitan Statistical Area are eligible to join.
Family and household
- Family members (including spouse, children, daughter/son-in-law, siblings, parents, mother/father-in-law, grandparents, grandchildren, great grandchildren, and legal dependents) of eligible Law Enforcement and civilian employees are eligible to join.
- Surviving spouses of deceased Law Enforcement Officers or civilian employees within the Houston Metropolitan Statistical Area are eligible to join.
Cost to join
- A minimum opening deposit of $5 is required to join the credit union.
Membership information collected October 5, 2026.