Savings
- Regular Savings Accounts
- Money Market Accounts
- Certificate Accounts
- IRAs
- Club Accounts
- Health Savings Accounts
- Uniform Transfer to Minors
Certificate Accounts
Our Certificate Account is an investment account for members* who want to earn a higher dividend rate and do not need immediate access to their funds. A penalty** will be imposed for the early withdrawal of certificate principal prior to maturity date. Our rates are reviewed and set weekly to ensure that our members* receive the best rates.
HFCU’s Certificate Accounts are built with flexibility in mind. With different minimum amounts and terms, our Certificate Accounts may be the perfect fit for your financial goals.
HFCU’s Certificate Account Types:
Flexible-term Certificate
| Key Features |
|---|
| $500 Minimum per share, 6 – 60 Months |
| Dividends may be compounded quarterly or paid monthly (to a different Share Account). |
IRA Flexible-term Certificate
| Key Features |
|---|
| $500 Minimum per share, 6 – 60 Months |
| Dividends may be compounded quarterly or paid monthly (to a different Share Account). Dividend rate is 12 basis points higher than regular Flexible-term Share Certificate. |
Jumbo Flexible-term Certificate
| Key Features |
|---|
| $100,000 Minimum per share, 6 – 60 Months |
| Dividends may be compounded quarterly or paid monthly (to a different Share Account). Dividend rate is 12 basis points higher than regular Flexible-term Share Certificate. |
Short-term Certificate
| Key Features |
|---|
| $7,500 Minimum per share, 7 – 91 Days |
| Dividends are paid at maturity date. |
Share Certificate Rates Below Effective: December 17, 2024 through December 23, 2024
Share Certificate Accounts
| Term | Share | IRA & Jumbo | ||
|---|---|---|---|---|
| Dividend Rate | APY*** | Dividend Rate | APY*** | |
| 7 Day up to 91 Day | 2.182% | 2.200% | N/A | N/A |
| 6 Month to 11 Month | 3.357% | 3.400% | 3.474% | 3.520% |
| 12 Month to 17 Month | 3.893% | 3.950% | 4.009% | 4.070% |
| 18 Month to 23 Month | 3.455% | 3.500% | 3.572% | 3.620% |
| 24 Month to 29 Month | 3.455% | 3.500% | 3.572% | 3.620% |
| 30 Month to 35 Month | 3.455% | 3.500% | 3.572% | 3.620% |
| 36 Month to 47 Month | 3.455% | 3.500% | 3.572% | 3.620% |
| 48 Month to 59 Month | 3.455% | 3.500% | 3.572% | 3.620% |
| 60 Month | 3.552% | 3.600% | 3.669% | 3.720% |
*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.
**A 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.
$7,500 minimum investment for 7-91 day regular certificates.
$500 minimum investment for 6-60 month regular & IRA certificates.
$100,000 minimum investment for jumbo certificates.
Fees and other conditions could reduce the earnings on the account.