Primary Savings

Our primary share (savings) account establishes your membership at HTFFFCU. Opened with a required initial deposit of $5.00, this account offers many benefits:

  • Competitive dividend rates, calculated on a daily balance and paid monthly

  • No monthly service charge

  • Convenient access at thousands of ATMs with your HTFFFCU ATM Card

  • 24-hour access through HTFFFCU Online (Online Banking) and PATT (Personal Automated Telephone Teller)

  • Deposits can be made through automatic transfer, direct deposit, mobile deposits, or by U.S. mail.

  • Secondary and Christmas Club Savings accounts are also available

Savings Account Rates updated as of January 18, 2024

Savings and InvestmentsDividend RateAnnual Percentage YieldMinimum Balance

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.

Click here to learn more about deposit insurance.