Houston Federal Credit Union

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A short history of Houston FCU

Since its inception in 1960 the Houston Federal Credit Union has been serving its members in the Sugar Land, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Chris Choat, the Houston FCU has grown its membership to over 56,662 with assets of more than $618,990,958. They have a main office and 12 branch offices. Please see the credit unions website or contact them by phone at (281) 243-0500 or email them at talktous@houstonfcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Sugar Land, TX.

General Information For Houston FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 14091
Address 16320 Kensington Dr 
City Sugar Land 
State Texas 
Zip-Code 77479
Phone Number (281) 243-0500
Fax Number (281) 243-0787
Email Address: talktous@houstonfcu.org
CEO/President Chris Choat
Members 56,662 
Full-Time Employees 139 
Part-Time Employees 13 
Number of Branch Offices 12 
Total Assets 618,990,958 
Website http://www.houstonfcu.org 

Compare Houston Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Pioneer Mutual CU Pioneer Mutual Federal CU 1521 Lake Pointe Pkwy 77478 (281) 566-8000 No 3.25
Schlumberger Employees CU SECU Main Branch 205 Industrial Blvd 77478 (281) 285-4551 No 4.91
Nizari Progressive CU Nizari Progressive Federal Credit Union 14090 Southwest Fwy Ste 260 77478 (281) 921-8520 No 6.26
Witco Houston Employees CU Witco Houston Employees Credit Union 2519 Avenue H 77471 (281) 342-5907 No 10.04
National Oilwell Varco Employees CU PWC III 9724 Beechnut St 77036 (713) 634-3471 No 10.29

Houston Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Houston Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 14.99 2.20 2.20 3.95 6.95
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 520 52 33 133 426
Rank Among All Texas Credit Unions 117 15 13 33 113

Houston Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.01 0.02 0.13 0.60 0.10
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 140 151 129 240 283
Rank Among All Texas Credit Unions 40 55 32 81 75
Houston Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 14.9905,40615,844,032
All Other Unsecured Loans/Lines of Credit 8.7002,91311,971,498
Short-Term, Small Amount Loans (STS) (Federal CU Only) 28.00020491,210
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.2003,51880,163,315
Used Vehicle Loans 2.20010,538156,350,772
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.9501,00280,192,972
Total Other Real Estate Loans/Lines of Credit 6.95059625,809,594
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.7001,75116,583,905
TOTAL LOANS & LEASES 25,928387,007,298

Houston Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 26232,844,053324,680,173
    b. 15 Years or less 60537,918,367867,616,102
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 1359,430,55211923,539
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 36513,613,959583,196,328
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 23112,195,635301,279,689
Open-End Fixed Rate 0000
TOTALS 1,598106,002,56621717,695,831


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Houston Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes