Houston Federal Credit Union

Official name

Houston Federal Credit Union (HFCU)

Charter / type

Federally chartered, NCUA-insured credit union (confirm via NCUA locator). Serves Greater Houston, TX and designated Greenville, SC underserved tracts.

Field of membership (summary)

Published Member Communities page: live, work, worship, or attend school in the City of Houston (Houston, Texas address); immediate family of someone who does; live in Belknap, Brookside, and Highlands communities in Sugar Land; for Rosenberg–Richmond–Sienna–Thompsons–Arcola and Highway 249 communities — live/work/worship/school within the shaded map areas (or family of someone who qualifies). Also: prescribed underserved census tracts in Anderson, Greenville, Laurens, and Pickens counties, South Carolina. This is not whole Harris County / whole Fort Bend County.

Join steps (as published)

Confirm City of Houston address or mapped community (use HFCU field-of-membership maps). Open a Regular Savings account with a published $5 minimum deposit. Apply via houstonfcu.org channels.

Fees (only if published)

Regular Savings: $5 minimum deposit (published on membership/how-to-join materials). Other fees: not fully transcribed this pass.

ATM / network notes

Not fully transcribed this pass. Use the CU’s locator tools; do not invent network counts.

Branches serving Greater Houston

Branches in Sugar Land, Houston, Rosenberg, and Missouri City (published). Use houstonfcu.org locations — do not invent addresses.

Caveats

Medium because eligibility is city / mapped communities — not county-wide Harris or Fort Bend. Always check the official maps. CIP always applies.

Join difficulty rationale

Medium — published City of Houston + mapped community path (not whole-county FOM).

Last verified: 2026-10-25 (America/Los_Angeles). Confirm eligibility and fees on the credit union’s site before applying. Membership always subject to CU approval and identity verification.