Step Up Certificates


Ready to step it up? Your rate that is. With our Step Up Certificate program, members who purchase a 3-year, 4-year, or 5-year step up certificate receive a one-time opportunity to increase the dividend rate on their certificate if our rates rise during the term of the certificate.

Step Up Certificates Rates updated as of June 11, 2019

Step Up Certificates Divended Rate Annual Percentage Yield Minimum Balance
3 Year 2.75% 2.78% $1,000
4 Year 2.90% 2.99% $1,000
5 Year 3.15% 3.20% $1,000
Jumbo Step Up Certificate .15% bps over 1-5 Year Step Up Certificates $90,000

All rates are subject to change without notice. A penalty may be imposed for early withdrawal which could reduce the earnings on the account. APY assumes dividends remaining in the account until maturity. A withdrawal will reduce earnings.

This Rate and Fee Disclosure sets forth current conditions, rates, fees, and charges applicable to your checking share, savings share and share certificate accounts at Houston Texas Fire Fighters Federal Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Disclosure and acknowledges that it is a part of the Account Contract.

Print rate and fee disclosure for more information.