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Share Certificate Accounts

It's amazing what a few months or years can do for your money.


A forward-looking strategy that always pays off in the end

Almost everyone has ideas for the future, plans for their family and goals for their finances. The question is, where does the money come from to make it all happen? If you've got some time to spare, one answer is HFCU Certificates. Choose your saving timeline, lock in an attractive rate, and then go about your life as your deposits earn more than they would in most traditional savings accounts.*

Flexible-Term Certificate

  • $500 minimum deposit
  • Choose Certificates ranging from 6 to 60 months
  • In general, longer-term Certificates feature the highest rates
  • Dividends may be compounded quarterly or paid monthly to a different account
  • Early withdrawal may mean loss of dividend earnings, but your initial deposit is never at risk1
  • Deposits up to $250,000 protected by the National Credit Union Administration, a federal government agency

IRA Flexible-Term Certificate

  • Can be part of Traditional or Roth IRA or Coverdell Education Savings Account
  • $500 minimum deposit
  • Choose Certificates ranging from 6 to 60 months
  • Higher dividend rates than our regular Flexible-Term Certificates
  • Dividends may be compounded quarterly or paid monthly to a separate account

Jumbo Flexible-term Certificate

  • $100,000 minimum deposit
  • Choose Certificates ranging from 6 to 60 months
  • Higher dividend rates than our regular Flexible-Term Certificates
  • Dividends may be compounded quarterly or paid monthly to a separate account

Short-Term Certificate

  • $7,500 minimum deposit
  • Choose Certificates ranging from 7 to 91 days
  • Dividends are paid at maturity date
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*Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit in order to become a member and obtain any product or service.

1A penalty will be imposed for early withdrawal of principal prior to maturity. Fees and other restrictions may apply. Fees and other conditions could reduce earnings on account.

Refer to the applicable Share Certificate TIS Disclosure Supplement for further disclosures.

***APY = Annual Percentage Yield. Rates are subject to change weekly. Fees and other conditions could reduce the earnings on the account.

Houston Federal Credit Union is a full-service financial institution serving Greater Houston, Texas, with branches in Sugar Land, Houston, Rosenberg and Missouri City, as well as Greenville, South Carolina.