Paving the way...for future generations.

Interested in no payments on your auto loan all summer?** Click here to learn more.
Understanding your balances...

Available funds vs. Actual funds - what's the difference? Click here to learn more.
Psst...did you know school is just around the corner?

If you're not prepared, we may be able to help! Click here to learn more.
Important Notice Regarding Overdraft Tolerance (ODT)

Effective September 1, changes to ODT will be implemented. Click here to learn more.
Important Notice About Your Term Share Certificate

Effective September 1, important changes will take effect. Click here to learn more.
Summer Food Drive through August 18

Please bring your donation of non-perishable food items! Click here to learn more.
Sooothe the sting of summer spending...

with our low interest rate credit cards. Click here to learn more.

Legal Information and Disclosures

CU Online Security Awareness & Helpful Tips

Regulation E protections related to accounts with internet access

  • Please review the EFT Disclosures section of your deposit account contract (known as part 2).

HTFFFCU will never send e-mails requesting personal information, ask you to verify information, or ask you to click on a special site link.

  • Do not hesitate to call the credit union at 713-864-0959 to confirm any communication we may send you.

Steps members can take to reduce online risk on commercial accounts:

  • Perform employee background checks on all account representatives and signers
  • Segregate duties and require dual control
  • Establish minimum requirements for online account passwords
  • Establish monitoring procedures to detect suspicious account activity
  • Establish response procedures to specify actions to be taken by specific individuals when unauthorized access is suspected

Steps members can take to reduce online risk on personal accounts:

  • Regularly log into CU Online to check your account balances and transactions
  • Notify the CU immediately if you notice any unexpected account activity
  • Create strong passwords that use a combination of letters and numbers that are not easily guessed.
  • Make sure that the anti-virus software on your computer is current and that it scans your e-mail as it is received
  • When conducting business online, make sure your internet browser’s padlock or key icon is active.
  • Always click the “Logout” button on CU Online immediately after you are finished.
  • Do not share your account number or PIN with anyone.
  • Do not send or receive personal account information by unsecure or unencrypted e-mail
  • Never respond to an e-mail that requests information about you or your accounts.
  • Do not open e-mails or attachments from unknown sources.

Important contact information for victims of identity theft:

Call the FTC’s Identity Theft Hotline, toll-free: 1-877-ID-THEFT or visit their website www.consumer.ftc.gov/topics/privacy-identity

Contact one of the three consumer reporting companies and have a fraud alert placed on your credit report. This will help stop fraudsters from opening any additional accounts in your name. Contact only one of the following (the others are required to contact the other two):

Equifax: 1 (800) 525-6285; www.fraudalerts.equifax.com
Equifax Fraud Division, P.O. Box 740250, Atlanta, GA 30374

Experian: 1 (888)-397-37426; www.experian.com
Experian Fraud Division, P.O. Box 1017, Allen, TX 75013

Transunion: 1(800) 680-7289; www.transunion.com
TransUnion Fraud Division, P.O. Box 6790, Fullerton, CA