Money Management Accounts earn high rates on deposits that stay liquid. You can make deposits, withdrawals, and transfers while maintaining a minimum balance of $5,000. A competitive dividend rate, calculated on a daily balance, is paid monthly. You can make up to 6 automated withdrawals per month. If the balance goes below $5,000, the dividend will change to the current regular savings account rate.
Money Management Rates updated as of August 1, 2023
| Money Management | Dividend Rate | Annual Percentage Yield | Minimum Balance |
| Tier 1 | 0.25% | 0.25% | $5 |
| Tier 2 | 1.15% | 1.16% | $5,000 |
| Tier 3 | 1.20% | 1.21% | $50,000 |
| Tier 4 | 1.25% | 1.26% | $100,000 |
| Tier 5 | 1.30% | 1.31% | $250,000 |
All rates are subject to change without notice.
APY is Annual Percentage Yield. Withdrawals, penalties and fees could reduce earnings. Dividend rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. Dividends are paid at the end of the period from current income and available earnings after required transfers to reserves. These rates are not guaranteed for the current dividend period. All accounts must remain open through the end of the dividend period to be paid the accrued dividends. For Money Management accounts, the specified Dividend Rate for a tier will apply to the entire account balance if the balance is within the balance range for that tier.
At Houston Texas Fire Fighters FCU, individual accounts are insured up to $500,000. This exceptional level of coverage is attained through a combination of federal insurance provided by the National Credit Union Administration (NCUA) through the National Credit Union Share Insurance Fund (NCUSIF) and from Excess Share Insurance Corporation (ESI) brought to you by American Share Insurance, a private insurance company, not affiliated with NCUA.