Checking Accounts

PCA Webpage

See below to choose the account that best fits your needs.

Account FeatureStandardPremium3
Competitive Dividend Ratescheck
Credit File Monitoringcheck
Identity Monitoringcheck
Credit Report and Scorecheck
Identity Theft Expense Reimbursement Coveragecheck
Identity Theft Resolution Servicecheck
Debit and Credit Card Registrationcheck
Debit Advantage® - Buyer’s Protection and Extended Warrantycheck
Cellular Telephone Protectioncheck
Travel and Leisure Discountscheck
Health Discount Savingscheck
$hopping RewardsTMcheck
No minimum balancecheckcheck
Online Bankingcheckcheck
Mobile Bankingcheckcheck
Visa Debit Cardcheckcheck
Surcharge Free ATM Networkcheckcheck
eStatementscheckcheck
Overdraft Servicescheckcheck
No “per check” feescheckcheck
Automatic transfers, direct deposits, deposits by mail, night depositscheckcheck
Online Check Imagescheckcheck
Account Alerts (via Online Banking)checkcheck
Bill Pay (via Online Banking)checkcheck
No balance penaltiescheckcheck
Mobile Depositcheckcheck
Download the Premium Checking Account app to take advantage of all the benefits!
PCA Webpage (13)

Checking Rates updated as of March 27, 2025

Premium CheckingDividend RateAnnual Percentage YieldMinimum Balance
Tier 10.50%0.50%$0 - $1,000
Tier 20.30%0.30%>$1,000.01

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.
3Premium Checking has a monthly fee of $4.95.

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.

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.