See below which of the accounts meets your needs better.
|No minimum balance|
|Visa Debit Card|
|Surcharge Free ATM Network|
|No “per check” fees|
|Automatic transfers, direct deposits, deposits by mail, night deposits|
|Online Check Images|
|Account Alerts (via Online Banking)|
|Bill Pay (via Online Banking)|
|No balance penalties|
|Competitive Dividend Rates*|
|Credit File Monitoring|
|Credit Report and Score|
|Identity Theft Expense Reimbursement Coverage|
|Identity Theft Resolution Service|
|Debit and Credit Card Registration|
|Debit Advantage® - Buyer’s Protection and Extended Warranty|
|Cellular Telephone Protection|
|Travel and Leisure Discounts|
|Health Discount Savings|
Checking Rates updated as of October 10, 2019
|Premium Checking||Dividend Rate||Annual Percentage Yield||Minimum Balance|
|Tier 1||0.25%||0.25%||$0 - $1,000|
1Credit file monitoring may take several days to begin following activation..
2Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit.
Insurance Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.
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.Click here to learn more about deposit insurance.