Credit union · NCUA insured
Houston Texas Fire Fighters Federal Credit Union CD Rates
Top CarrotHouston Texas Fire Fighters Federal Credit Union’s best CD rate is 4.02% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Houston Texas Fire Fighters Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Houston Texas Fire Fighters Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Houston Texas Fire Fighters Federal Credit Union
3.92%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $799
Term Share Certificates
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 Texas Fire Fighters Federal Credit Union CD score
87
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.76%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.92%
- 31–60 months31–60 mo3.87%
- QualifiedQualified3.92%
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 Texas Fire Fighters 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 Certificates
Up to 4.02%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.92% | — |
| 24 months | 4.02% | — |
| 36 months | 3.97% | — |
| 48 months | 3.97% | — |
| 60 months | 3.97% | — |
Sources (1)
- htfffcu.org/term-share-certificates · captured Sep 17, 2026
Term Share Certificates
Up to 3.92%APY · 9 terms
Grace period of 10 days at maturity to withdraw or reinvest. Certificate reinvests automatically for the same term if not withdrawn.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Days (not available for IRAs) | 0.75% | $19 |
| 6 months180 Days (not available for IRAs) | 3.76% | $186 |
| 12 months | 3.82% | $382 |
| 18 months | 3.82% | $578 |
| 24 months | 3.92% | $799 |
| 30 months | 3.25% | $832 |
| 36 months | 3.87% | $1,207 |
| 48 months | 3.87% | $1,640 |
| 60 months | 3.87% | $2,091 |
Sources (1)
- htfffcu.org/term-share-certificates · captured Sep 17, 2026
Jumbo Step Up Share Certificates
3.87%APY · 3 terms
Not available for IRAs. Members who purchase a 3-year, 4-year, or 5-year step up certificate receive a one-time opportunity to increase the dividend rate on their certificate if rates rise during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 3.87% | — |
| 48 months | 3.87% | — |
| 60 months | 3.87% | — |
Sources (1)
- htfffcu.org/term-share-certificates · captured Sep 17, 2026
Step Up Share Certificates
3.76%APY · 3 terms
Not available for IRAs. Members who purchase a 3-year, 4-year, or 5-year step up certificate receive a one-time opportunity to increase the dividend rate on their certificate if rates rise during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 3.76% | $1,171 |
| 48 months | 3.76% | $1,591 |
| 60 months | 3.76% | $2,027 |
Sources (1)
- htfffcu.org/term-share-certificates · captured Sep 17, 2026
Special-purpose accounts
IRA Term Share Certificates
Up to 3.87%APY · 7 terms
Includes Traditional IRAs, Roth IRAs and CESAs (Educational IRAs). APY assumes dividends remaining in the account until maturity. Fixed dividend rate and APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.82% | $382 |
| 18 months | 3.82% | $578 |
| 24 months | 3.87% | $789 |
| 30 months | 3.25% | $832 |
| 36 months | 3.87% | $1,207 |
| 48 months | 3.87% | $1,640 |
| 60 months | 3.87% | $2,091 |
Sources (1)
- htfffcu.org/ira-accounts · captured Sep 17, 2026
Puppy Pak Term Share Certificates
3.82%APY · 1 term
Puppy Pak certificate variant with lower minimum balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.82% | $382 |
Sources (1)
- htfffcu.org/term-share-certificates · captured Sep 17, 2026
Teen Term Share Certificates
3.82%APY · 1 term
Teen certificate variant with lower minimum balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.82% | $382 |
Sources (1)
- htfffcu.org/term-share-certificates · captured Sep 17, 2026
Who can join Houston Texas Fire Fighters Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Houston Firefighters' Relief And Retirement Fund are eligible for membership.
- Employees of Houston Texas Fire Fighters Federal Credit Union are eligible for membership.
Military, government and schools
- Uniformed Houston Fire Department Firefighters are eligible for membership.
Family and household
- Eligible relatives (spouse, parents, children, stepchildren, grandchildren, brothers, sisters, grandparents) of eligible firefighters, employees, or members age 18 and over in good standing are eligible to join.
Cost to join
- Opening membership requires opening a savings account and depositing a minimum of $5.
Membership information collected October 5, 2026.