Alpha | Alpha+

Current Promotion (April 1st, 2026 - July 31st, 2026)

Alpha Credit Card Applicants will receive $250 when they apply for, and are approved for, a Secure Credit Card.

Qualifying/Eligibility Criteria:

• Secured Credit Card, Preferred
• Ages 18 - 19
• Credit Card must be activated
• Incentive given 90 days from activation date

Payroll Direct Deposit Matching up to $200!

• Ages 16 -19
• Must receive first direct deposit within the first 90 days of opening a new checking account.
• The checking account must remain open for 90 days and have a minimum of 5 transactions.

Click here to read full disclosure
Alpha checking account banner

Alpha|Alpha+ Account Options

✅Checking Account with Debit Card
✅Savings Account
❌Credit Card or Auto Loan
❌Direct Deposit
(Ages 13 - 19)

✅Checking Account with Debit Card
✅Savings Account
✅Credit Card
❌Auto Loan
❌Direct Deposit
(only available for Alpha+ members ages 17-19)

✅Checking Account with Debit Card
✅Savings Account
✅Credit Card or Auto Loan
✅Direct Deposit
(only available for Alpha+ members ages 17-19)

🎙️Hot-Takes🔥

Quarterly, Alpha & Alpha + members will be able to view educational "Hot-Takes" covering various different topics such as “First Time Car Buying Tips” and “What is Credit?”. These HotTake Shorts will be stored on our Instagram and Discord channel.

Click Here to Register/Join Discord!

😎Alpha Day🎊

Every year, HTFFFCU hosts a Alpha Day to show our appreciation for young adult members. We pay for Alpha member admission to some of the coolest places in Houston! We have gone to Dave and Busters, the Museum of Natural Science & Butterfly Exhibit, and even the Downtown Houston Aquarium! Let us celebrate your membership by having laughs, giving you gifts, and help create memories next Alpha Day in 2026!

Next Alpha Day:

• Summer 2026

Alpha members ages 13-16 must be with their parents at all times during Alpha Day

How old do you have to be to enroll in the Alpha or Alpha Plus program?

Members must be between ages 13 - 16 to enroll in the Alpha program, and ages 17 - 19 years old to be enrolled in the Alpha+ program.

Which Account Options can an Alpha and Alpha+ member sign up for?

Alpha accounts may enroll in:
• "Base"

Alpha+ accounts may enroll in:
• "Base"
• "Elite"
• "Platinum"

How do I join the Alpha and Alpha Plus Discord server?

Follow this link, here. Once in the Discord, follow the verification system to be sure you are an active member in HTFFFCU. Once verified, you will have full access to the Alpha and Alpha + Discord server!

When do Hot-Takes occur?

We are going to be putting out Hot-Takes monthly and they can be viewed on our Instagram and Discord!

Will my account automatically enroll in Alpha and Alpha +, or do I need to sign up?

Any existing HTFFFCU account will automatically enroll in the Alpha and Alpha + Program. If you are new to HTFFFCU, you will need to manually enroll in Alpha and Alpha +.