Credit union · NCUA insured
KBR Heritage Federal Credit Union
A $79.6M credit union headquartered in Houston, TX, with 4,364 members and 1 branch in Texas. Best rates: CDs 3.55% and savings 0.15% APY.
KBR Heritage Federal Credit Union Carrot Score
86
Carrot Score
Higher than 73% of U.S. banks and credit unions
#39 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About KBR Heritage Federal Credit Union
Established in 1953 in Houston, Texas, KBR Heritage Federal Credit Union is a member-owned, not-for-profit financial institution.
- Headquarters
- 601 Jefferson St # Kt-02, Houston, TX 77002
- NCUA charter
- 8344
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of contractors who work regularly at KBR.
- Membership is open to employees of KBR Inc. and its subsidiaries.
- Membership is open to employees of KBRHFCU.
Family and household
- Membership is open to immediate family members (spouses, children, parents, grandparents, grandchildren, brothers and sisters) of eligible employees.
- Membership is open to spouses of persons who died while within the field of membership of the credit union.
Other ways
- Membership is open to persons retired as pensioners or annuitants from qualifying employments.
Cost to join
- A $5.00 minimum deposit in a Share Savings Account represents a member's share in the credit union.
Branches
1 branch in Texas
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Texas
1 branch
- Kbr Heritage FcuMain office601 Jefferson St, Ste KT, Houston, TX 77002Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 22.63% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.39% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.40% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $74 | $59 | — |
- CapitalNet worth ratio22.63%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.39%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.40%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$74Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 KBR Heritage 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.