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Last Updated: 01/21/2026

HFCU Free Checking Accounts

from Houston Federal Credit Union

Last Updated: 01/21/2026

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Highlights

Welcome Offer

N/A

Rewards

N/A

APY (Annual Percentage Yield)

N/A(Verified 03/23/2024)

Monthly Maintenance Fee

$0(Verified 01/21/2026)

HFCU Free Checking Accounts Review

The HFCU Free Checking Accounts is offered by Houston Federal Credit Union, a credit union founded in 1960 and based in Sugar Land, TX. houston federal credit union is available in 50 states and Washington, DC.

Key Takeaways

No monthly maintenance fees. This account does not charge any monthly account fees as long as you keep a minimum balance of $100 .
No ATM fees. HFCU Free Checking Accounts does not charge fees on ATM transactions .

houston federal credit union Pros & Cons

Pros

Cons

Available in 50 states and Washington, DC.
Insured by NCUA.
Debit card

No signup bonus.
Does not earn interest.
Does not offer mobile check deposits.

houston federal credit union FAQ

Are checking accounts from houston federal credit union federally insured?

Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does houston federal credit union offer?

houston federal credit union is not an interest-bearing account.

What are the account minimums for houston federal credit union?

houston federal credit union requires a minimum initial deposit of $25.

HFCU Free Checking Accounts Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

Starting at $100

Minimum Opening Deposit

Starting at $25

What fees does houston federal credit union charge?

The good news is that this account does not have a monthly Service Charge.

HFCU Free Checking Accounts Fees

Description

Monthly Maintenance Fee

NSF Fee

$11

Stop Payment Fee

Starting at $10

What features and perks does houston federal credit union offer?

This account includes the following features:

Mobile Banking Services - houston federal credit union allows you to manage your money online or with a mobile app.
Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for houston federal credit union?

The customer support email for houston federal credit union is talktous@houstonfcu.org.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

16320 Kensington Dr

Sugar Land, TX 77479

(281) 243-0500

Visit Site

Email Support

Hours of Operation

SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturday8:00AM - 2:00PM

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Other Checking Accounts from Houston Federal Credit Union

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.05%

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Monthly Service Fee

$0 - $6

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HFCU Freedom Checking Account

Rating not yet determined

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0.05%

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Monthly Service Fee

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HFCU myChecking Account

Rating not yet determined

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Service Fee

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.