Federal Credit Union

Harris County TX Federal Credit Union (HCFCU) offers a variety of financial services and products tailored to meet the needs of residents within the county. As a member-owned institution, HCFCU prioritizes providing competitive rates, exceptional customer service, and valuable resources to its members. This article explores the various services offered by HCFCU, including savings accounts, loans, online banking, and more, while emphasizing the unique benefits of membership.

What is Harris County TX Federal Credit Union?

Harris County TX Federal Credit Union serves the employees and retirees of Harris County, Texas, and other eligible individuals. A federal credit union, HCFCU is designed to provide financial services with a personal touch, focusing on the well-being of its members. With a range of services including savings accounts, loans, credit cards, mortgages, and financial education programs, HCFCU stands out as a reliable and community-oriented institution.

Membership at Harris County TX Federal Credit Union

Becoming a member of HCFCU is simple, and the process can be completed online. Membership is open to all employees of Harris County and eligible family members, as well as retirees. Once you join, you gain access to a wide range of benefits that cater to your personal and financial needs.

How to Join HCFCU

To become a member of HCFCU, you need to complete an online membership application. The process requires an initial deposit of $5 into a primary savings account. This deposit not only opens your account but also grants you membership and access to all HCFCU services. Learn more about how to join here.

Savings Accounts: Secure and Flexible Options

HCFCU provides various types of savings accounts that allow members to grow their funds securely. These accounts include standard share savings, kids' treasure accounts, and share certificates. Whether you are saving for a rainy day, a child's future, or planning a long-term investment, HCFCU offers products designed to meet your needs.

Types of Savings Accounts

Primary Share Savings: Your membership account, this is the basic savings account required to become a member. It offers easy access to your funds and competitive dividends.

Alternate Share Savings: Designed for special purposes, this account helps members save for specific goals, such as home repairs or vacations.

Kids' Treasure Accounts: Specifically for children under 18, this account helps young savers learn about the importance of saving while earning rewards for good grades and regular deposits.

To open a savings account, visit HCFCU’s savings page here.

Checking Accounts: Flexible and Convenient

HCFCU offers several types of checking accounts, each with unique features that cater to different financial needs. All accounts come with a free debit card, easy access to funds, and the ability to manage your finances through online banking.

Types of Checking Accounts

Share Draft Checking: A traditional checking account that provides unlimited check writing and debit card access.

Premier Share Draft Checking: For those who maintain a higher balance, this account offers better interest rates.

Young Adult Checking: Aimed at individuals aged 16 to 25, this account includes rewards for education milestones and fee-waiver features.

Second Chance Checking: Designed for individuals looking to reestablish their financial habits after a negative banking history.

Learn more about checking accounts here.

Loan Services: Lending Solutions to Meet Your Needs

HCFCU offers a variety of loans to its members, ranging from personal loans to home mortgages. With competitive interest rates and flexible terms, these loan products make it easier for members to finance everything from home improvements to car purchases.

Types of Loans Offered

Signature Loans: Unsecured personal loans up to $15,000 for a variety of purposes.

Auto Loans: Whether you are purchasing a new or used vehicle, HCFCU offers financing options with competitive rates and flexible repayment terms.

Home Equity Loans: Tap into the equity of your home for financial needs such as debt consolidation or home repairs.

Mortgages: First-time homebuyer loans and refinancing options with competitive rates and expert advice.

Credit Cards: HCFCU’s credit cards come with no annual fee, fraud protection, and low interest rates.

For more information on HCFCU loan products, visit their loan page here.

Online and Mobile Banking: Banking on the Go

HCFCU understands the importance of convenience, which is why they offer robust online and mobile banking solutions. Members can manage their accounts, pay bills, transfer funds, and deposit checks from anywhere, at any time.

Features of Online Banking

Online Banking: Access all of your accounts and conduct transactions from your desktop or mobile device.

Mobile App: A convenient way to bank on the go, HCFCU’s mobile app allows for easy account management, check deposits, and loan payments.

eStatements: Go paperless with eStatements, which provide secure access to your monthly account statements.

Bill Pay: Pay bills directly from your account, making it easier to manage your financial obligations.

To learn more about HCFCU's online services, visit here.

Financial Education: Empowering Members with Knowledge

HCFCU provides valuable resources for its members to improve their financial literacy. Through their Financial Education Center, members can access various tools, articles, and workshops that help improve budgeting skills, credit management, and investment strategies.

Services Offered

GreenPath Financial Counseling: Free financial counseling services to help members manage debt and improve financial health.

TruStage Insurance: Access to discounted insurance products such as life, home, and auto insurance.

Memorial Scholarship Fund: HCFCU offers scholarships to students pursuing higher education, supporting their growth and development.

Visit the Financial Education Center to explore more.

Locations and ATMs: Convenient Access Everywhere

HCFCU offers multiple branch locations throughout Harris County, making it easy for members to access in-person services. Additionally, members have access to thousands of surcharge-free ATMs through the Allpoint Network.

Shared Branches

If you are traveling or unable to visit a local branch, HCFCU’s participation in the shared branch network allows members to conduct most of their banking business at other credit unions. You can find shared branches here.

Community Involvement: Giving Back to Harris County

HCFCU is not just a financial institution but an active part of the Harris County community. Through various charitable initiatives such as food drives, school supply donations, and support for local organizations like the Houston Food Bank, HCFCU gives back to help those in need.

HCFCU Cares

Toy Drive: HCFCU’s annual toy drive provides toys for children in need during the holidays.

Back to School Supply Drive: Ensuring that every child has the supplies needed for a successful school year.

Houston Food Bank Partnership: HCFCU partners with the Houston Food Bank to help fight hunger in the community.

For more information on HCFCU’s community programs, visit the HCFCU Cares page.

Contact Information and Locations

Here are the relevant departments, addresses, and phone numbers for Harris County TX Federal Credit Union:

Main Branch:
1400 Franklin Street, Houston, TX 77002
Phone: (713) 755-5160
Fax: (713) 755-8982

For General Inquiries:
Contact Us
Phone: (713) 755-5160

ATMs and Shared Branches Locations:
Find Locations

This guide serves as an in-depth resource for current and prospective members of Harris County TX Federal Credit Union. Whether you’re looking to open a new account, apply for a loan, or simply manage your finances, HCFCU provides the tools and services necessary for success.

Harris County Federal Credit Union FAQs

How can I join Harris County TX Federal Credit Union?

To join Harris County TX Federal Credit Union (HCFCU), you must complete an online membership application. A minimum initial deposit of $5 into a primary savings account is required. This deposit not only opens your account but also grants you membership to the credit union. HCFCU membership is open to employees and retirees of Harris County, Texas, as well as their immediate family members.

What are the benefits of having a savings account with HCFCU?

HCFCU offers a range of savings account options designed to fit various financial goals. Members can open a primary share savings account with as little as $5. The credit union also provides alternate share savings accounts for specific savings goals like home repairs or vacations. For younger members, HCFCU offers Kids' Treasure accounts, which encourage children to save by rewarding them for regular deposits and good academic performance.

What loan products are offered by HCFCU?

HCFCU provides several loan options to its members. These include unsecured signature loans, auto loans, home equity loans, and mortgages. Members can borrow up to $15,000 through signature loans for a wide variety of purposes. For vehicle purchases, HCFCU offers competitive auto loan rates, both for new and used cars. They also offer home equity loans and refinancing options to help members manage their finances or fund home improvements.

Does HCFCU offer online banking services?

Yes, HCFCU offers comprehensive online banking services, including mobile banking through their app. Members can manage their accounts, make bill payments, transfer funds, and even deposit checks remotely. The credit union also offers electronic statements, online bill pay, and the option to manage loan payments online. This digital access provides flexibility and convenience for members to handle their banking needs anytime, anywhere.

What types of credit cards are available at HCFCU?

HCFCU offers a variety of credit cards, including MasterCard® options with competitive rates starting as low as 5.9% APR. All HCFCU credit cards come with no annual fees, fraud protection, and the convenience of cash advances at no additional charge. Members can earn rewards and enjoy benefits such as travel accident insurance, price protection, and cell phone protection when using their HCFCU credit cards.