Credit union · NCUA insured
Houston Texas Fire Fighters Federal Credit Union Credit Card Rates
Top CarrotHouston Texas Fire Fighters Federal Credit Union credit cards start at 12.40% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Houston Texas Fire Fighters Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where Houston Texas Fire Fighters Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Houston Texas Fire Fighters Federal Credit Union
12.40%APR
- Annual fee
- None
- Up to
- 17.40% APR
VISA Rewards
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
- Up to
- —
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
- Up to
- —
Houston Texas Fire Fighters Federal Credit Union credit card score
71
Credit card score
Higher than 28% of U.S. banks and credit unions
- Purchase APRPurchase APR12.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Houston Texas Fire Fighters Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Rewards
No annual fees, no cash advance fee, 3% balance transfer fee. Introductory 0% APR valid for retail purchases and balance transfers only for the first 6 months. Regular variable APR applies after 6 months based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% APR introductory rate valid for retail purchases for 6 months (180 days) from account opening. |
| Ongoing | 12.40%–17.40% | None | Variable APR between 12.40% and 17.40% applies upon first billing cycle after 6 months on all balances not paid by statement due date depending upon individual credit criteria. |
Sources (1)
- htfffcu.org/credit-cards · captured Oct 7, 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This may be incomplete or out of date, so check with the credit union before you apply.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.