Succeed

Houston Federal Credit Union’s super low rates and minimal or non-existent fees help our members thrive and reach their financial goals.

Fee Schedule

Collection Fees	All costs involved in collecting amount owed to HFCU including court costs and reasonable attorney fees.
Lending and Credit Card Fees
Late Fee – Credit Card (the lesser of)	$15.00 or the amount of the required minimum payment if you are ten (10) or more days late in making a payment.
Minimum Payment (the greater of)	$20.00 or 2% of balance
Over the Limit Fee	$15.00 will be charged when you exceed your account balance limit by more than $100 ($100.01 or more). This will be charged only once per billing cycle, regardless of the number of times your account balance becomes over the limit by more than $100 during a billing cycle.
Filing Fees	All lien filing fees for security interest in any secured loans.
Late Fee – Loans (the lesser of)	$25.00 or 5% of payment when you are ten (10) or more days late.
Late Title Registration Penalty Fee	$250.00
Electronic Title Lien Fee	$5.00
Skip-a-Pay Fee (per loan skipped)	$25.00
Telephone Payment Convenience Fee	$10.00