Best Credit Union Savings and Money Market Rates in Houston, Texas, TX July 30, 2025

You are viewing savings rates from credit unions in Houston, Texas

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Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

Houston, TX - July 30, 2025

Savings Account National Average Rate: 0.45% ^?

Credit Unions	APY	MIN
CHEVRON Br#17 Bellaire Branch Restrictions	7.00%	$25	Learn More Add Review
SPECTRUM Spectrum Branch	4.00% 3.90% 3.75%	$0 $50,000 $2,500	Learn More Add Review
Rate History: 0.75% → 4.00%
FIRST COMMUNITY First Community Cu O Branch Restrictions	3.60% 3.00% 2.50% 2.25% 2.00%	$1,000,000 $500,000 $200,000 $100,000 $25,000	Learn More Add Review
CHEVRON Br#17 Bellaire Branch Restrictions	3.60% 3.50% 3.40% 0.75%	$100,000 $25,000 $2,500 $0	Learn More Add Review
Rate History: 3.75% → 4.00% → 3.60%
ALLIANT Nhrcu Branch Restrictions	3.10%	$100	Learn More
Gaius Gracchus \| Mar 22, 2024 Their CD rates are reasonable and their Visa rewards is very good at 2.5% on all purchases up to 10K/month. Their customer service is polite and helpful. However, their IT department must need some serio... Read More Reviews (5)
CREDIT HUMAN Fallbrook Branch Restrictions	2.36% 2.00% 1.75% 0.70% 0.30%	$90,000 $10,000 $1,000 $500 $0	Learn More
Rate History: 2.15% → 2.15% → 2.36%
Anavile23 \| Jul 10, 2019 Does credit human use ChexSystems Read More Reviews (1)
CHARTWAY North Houston Branch Restrictions	2.25% 1.00% 0.75%	$500,000 $250,000 $100,000	Learn More Add Review
Wellby Pearland Branch Restrictions	2.02% 1.77% 1.51% 1.26% 1.01%	$100,000 $50,000 $25,000 $10,000 $0	Learn More
LD \| Nov 24, 2020 Earlier this year just before the pandemic I was involved in a vehicular accident that resulted in me losing my car in total loss. Following the trend of how 2020 has gone, my hours for work were cut do to... Read More Reviews (1)
SHELL Pearland Branch Restrictions	1.75% 1.45% 1.35% 1.25%	$50,000 $25,000 $10,000 $2,500	Learn More
Jamaal D. Robinson \| Aug 17, 2016 Hello, I am the CEO of a small credit union here in Dallas, and we are currently looking for another credit union to deposit a CD into. We are not receiving much of a benefit from our current instituti... Read More Reviews (1)
ADVANCIAL Advancial Branch Restrictions	1.22%	$100,000	Learn More Add Review
PREMIER AMERICA Premier America Branch Restrictions	1.10% 1.05% 1.00% 0.75% 0.65% 0.55%	$500,000 $250,000 $100,000 $50,000 $25,000 $2,500	Learn More Add Review
HOUSTON POLICE Willowbrook Branch Restrictions	1.01%	$2,500	Learn More Add Review
Minimum of 55 years of age or older.
CREDIT HUMAN Fallbrook Branch Restrictions	0.75%	$5	Learn More
Anavile23 \| Jul 10, 2019 Does credit human use ChexSystems Read More Reviews (1)
SPECTRUM Spectrum Branch	0.75%	$25	Learn More Add Review
CHARTWAY North Houston Branch Restrictions	0.60% 0.55% 0.50% 0.45% 0.35% 0.25%	$50,000 $25,000 $10,000 $5,000 $100,000 $2,500	Learn More Add Review
ADVANCIAL Advancial Branch Restrictions	0.56% 0.51% 0.46%	$50,000 $25,000 $2,500	Learn More Add Review
COMMUNITY RESOURCE Atascocita Branch Restrictions	0.55%	$25,000	Learn More Add Review
SHELL Pearland Branch Restrictions	0.50% 0.10%	$25 $5	Learn More
Jamaal D. Robinson \| Aug 17, 2016 Hello, I am the CEO of a small credit union here in Dallas, and we are currently looking for another credit union to deposit a CD into. We are not receiving much of a benefit from our current instituti... Read More Reviews (1)
SOUTHWEST AIRLINES Southwest Airlines Branch Restrictions	0.50%	$10,000	Learn More Add Review
CHEMCEL Chemcel Branch Restrictions	0.50%	$25,000	Learn More Add Review
SYNERGY Valero Branch Restrictions	0.50%	$25,000	Learn More Add Review
HOUSTON Imperial Branch Restrictions	0.50%	$25,000	Learn More Add Review
COMMUNITY RESOURCE Atascocita Branch Restrictions	0.45%	$5,000	Learn More Add Review
RESOURCE ONE Resource One Branch Restrictions	0.45%	$50,000	Learn More Add Review
SYNERGY Valero Branch Restrictions	0.45%	$2,500	Learn More Add Review
HOUSTON Imperial Branch Restrictions	0.45%	$10,000	Learn More Add Review
MEMORIAL Memorial Hermann Branch Restrictions	0.45%	$25,000	Learn More Add Review
TEXAS DOW EMPLOYEES Texas Dow Employees Branch Restrictions	0.40% 0.30% 0.20% 0.02%	$250,000 $100,000 $25,000 $2,500	Learn More
tonaroof \| Jan 24, 2020 This rate is not accurate as it is 2.25% Read More Reviews (1)
COMMUNITY RESOURCE Atascocita Branch Restrictions	0.40%	$1,000	Learn More Add Review
SOUTHWEST AIRLINES Southwest Airlines Branch Restrictions	0.40%	$2,500	Learn More Add Review
CHEMCEL Chemcel Branch Restrictions	0.40%	$2,500	Learn More Add Review
BRAZOS VALLEY SCHOOLS Brazos Valley School Branch Restrictions	0.40%	$2,500	Learn More Add Review
HOUSTON Imperial Branch Restrictions	0.40%	$2,500	Learn More Add Review
BP Helios Branch Restrictions	0.40%	$25,000	Learn More Add Review
FIRST COMMUNITY First Community Cu O Branch Restrictions	0.35% 0.25% 0.15%	$50,000 $25,000 $100	Learn More Add Review
SMART FINANCIAL Smart Financial Branch Restrictions	0.35%	$25,000	Learn More Add Review
FIRST SERVICE Oak Park Branch Restrictions	0.35%	$25,000	Learn More
FrankShonka1 \| Sep 21, 2017 friendly and knowledgeable and fun. what more could you ask for? Read More Reviews (1)
ASSOCIATED CREDIT UNION OF TEXAS Associated Credit Un Branch Restrictions	0.35%	$25,000	Learn More Add Review
GULF COAST EDUCATORS Pearland West Office Branch Restrictions	0.35%	$25,000	Learn More Add Review
BEACON Clear Lake Branch Restrictions	0.35%	$25,000	Learn More Add Review
ENERGY CAPITAL Energy Capital Branch Restrictions	0.35%	$25,000	Learn More Add Review
BP Helios Branch Restrictions	0.35%	$2,500	Learn More Add Review
MEMORIAL Memorial Hermann Branch Restrictions	0.35%	$2,500	Learn More Add Review
PREMIER AMERICA Premier America Branch Restrictions	0.30%	$0	Learn More Add Review
GREATER TEXAS Gtfcu Branch Restrictions	0.30%	$25,000	Learn More Add Review
ENERGY ONE Energy One Branch Restrictions	0.30%	$25,000	Learn More Add Review
TOGETHER Anheuser-busch Emplo Branch Restrictions	0.30%	$25,000	Learn More Add Review
SMART FINANCIAL Smart Financial Branch Restrictions	0.30%	$10,000	Learn More Add Review
ASSOCIATED CREDIT UNION OF TEXAS Associated Credit Un Branch Restrictions	0.30%	$10,000	Learn More Add Review
AMOCO Friendswood Branch Restrictions	0.30%	$25,000	Learn More Add Review
FIRST TECHNOLOGY Houston Branch Restrictions	0.25% 0.20% 0.01%	$100,000 $250,000 $25	Learn More Add Review
Rate History: 0.35% → 0.25%
STAR USA Restrictions	0.25%	$50,000	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
MEMBERS TRUST OF THE SOUTHWEST Members Trust Of The Branch Restrictions	0.25%	$2,500	Learn More Add Review
GREATER TEXAS Gtfcu Branch Restrictions	0.25%	$2,500	Learn More Add Review
TOGETHER Anheuser-busch Emplo Branch Restrictions	0.25%	$2,500	Learn More Add Review
SMART FINANCIAL Smart Financial Branch Restrictions	0.25%	$2,500	Learn More Add Review
GULF COAST EDUCATORS Pearland West Office Branch Restrictions	0.25%	$10,000	Learn More Add Review
BEACON Clear Lake Branch Restrictions	0.25%	$10,000	Learn More Add Review
ENERGY CAPITAL Energy Capital Branch Restrictions	0.25%	$2,500	Learn More Add Review
PRIMEWAY Missouri City Branch Restrictions	0.25%	$25,000	Learn More Add Review
HOUSTON TEXAS FIRE FIGHTERS Houston Texas Fire Fighters Fcu Branch Restrictions	0.25%	$10,000	Learn More Add Review
EDU Restrictions	0.20%	$0	Learn More Add Review
MEMBERS TRUST OF THE SOUTHWEST Members Trust Of The Branch Restrictions	0.20%	$2,500	Learn More Add Review
ENERGY ONE Energy One Branch Restrictions	0.20%	$2,500	Learn More Add Review
JUSTICE Justice Branch Restrictions	0.20%	$25,000	Learn More Add Review
FIRST SERVICE Oak Park Branch Restrictions	0.20%	$2,500	Learn More
FrankShonka1 \| Sep 21, 2017 friendly and knowledgeable and fun. what more could you ask for? Read More Reviews (1)
SYNERGY Valero Branch Restrictions	0.20%	$2,500	Learn More Add Review
GULF COAST EDUCATORS Pearland West Office Branch Restrictions	0.20%	$2,500	Learn More Add Review
PRIMEWAY Missouri City Branch Restrictions	0.20%	$2,500	Learn More Add Review
TRUITY 66 Branch Restrictions	0.20%	$25,000	Learn More Add Review
PEOPLE'S TRUST Shell Westhollow Branch Restrictions	0.20%	$25,000	Learn More Add Review
BP Helios Branch Restrictions	0.20%	$2,500	Learn More Add Review
AMOCO Friendswood Branch Restrictions	0.20%	$2,500	Learn More Add Review
STAR USA Restrictions	0.15%	$2,500	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
ENERGY ONE Energy One Branch Restrictions	0.15%	$2,500	Learn More Add Review
CHEMCEL Chemcel Branch Restrictions	0.15%	$2,500	Learn More Add Review
JUSTICE Justice Branch Restrictions	0.15%	$2,500	Learn More Add Review
BRAZOS VALLEY SCHOOLS Brazos Valley School Branch Restrictions	0.15%	$2,500	Learn More Add Review
SMART FINANCIAL Smart Financial Branch Restrictions	0.15%	$2,500	Learn More Add Review
ASSOCIATED CREDIT UNION OF TEXAS Associated Credit Un Branch Restrictions	0.15%	$2,500	Learn More Add Review
GULF COAST EDUCATORS Pearland West Office Branch Restrictions	0.15%	$2,500	Learn More Add Review
TRUITY 66 Branch Restrictions	0.15%	$2,500	Learn More Add Review
MEMBERS CHOICE Members Choice Branch Restrictions	0.15% 0.10%	$50,000 $2,000	Learn More Add Review
HOUSTON METROPOLITAN Hmfcu Branch Restrictions	0.15%	$2,500	Learn More Add Review
HOUSTON TEXAS FIRE FIGHTERS Houston Texas Fire Fighters Fcu Branch Restrictions	0.15%	$2,500	Learn More Add Review
PEOPLE'S TRUST Shell Westhollow Branch Restrictions	0.15%	$2,500	Learn More Add Review
MEMORIAL Memorial Hermann Branch Restrictions	0.15%	$2,500	Learn More Add Review
HARRIS COUNTY Main Office Branch Restrictions	0.15%	$100	Learn More Add Review
STAR USA Restrictions	0.10%	$10	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
TEXAS DOW EMPLOYEES Texas Dow Employees Branch Restrictions	0.10%	$0	Learn More
tonaroof \| Jan 24, 2020 This rate is not accurate as it is 2.25% Read More Reviews (1)
COMMUNITY RESOURCE Atascocita Branch Restrictions	0.10%	$100	Learn More Add Review
F A A Houston Branch Restrictions	0.10%	$2,500	Learn More Add Review
TEXANS Texans Branch Restrictions	0.10%	$25,000	Learn More Add Review
ADVANCIAL Advancial Branch Restrictions	0.10%	$100	Learn More Add Review
SOUTHWEST AIRLINES Southwest Airlines Branch Restrictions	0.10%	$2,500	Learn More Add Review
TOGETHER Anheuser-busch Emplo Branch Restrictions	0.10%	$2,500	Learn More Add Review
ASSOCIATED CREDIT UNION OF TEXAS Associated Credit Un Branch Restrictions	0.10%	$2,500	Learn More Add Review
BEACON Clear Lake Branch Restrictions	0.10%	$2,500	Learn More Add Review
Wellby Pearland Branch Restrictions	0.10%	$0	Learn More
LD \| Nov 24, 2020 Earlier this year just before the pandemic I was involved in a vehicular accident that resulted in me losing my car in total loss. Following the trend of how 2020 has gone, my hours for work were cut do to... Read More Reviews (1)
SHARED RESOURCES Main Office Branch Restrictions	0.10%	$2,500	Learn More Add Review
TRUITY 66 Branch Restrictions	0.10%	$2,500	Learn More Add Review
CY-FAIR Stonecreek Branch Restrictions	0.10%	$10,000	Learn More Add Review
PEOPLE'S TRUST Shell Westhollow Branch Restrictions	0.10%	$2,500	Learn More Add Review
BCM Bcm Branch	0.10%	$2,500	Learn More Add Review
FIRST TECHNOLOGY Houston Branch Restrictions	0.10%	$1	Learn More Add Review
Rate History: 0.25% → 0.15% → 0.10%
SPCO Spco Branch Restrictions	0.10%	$2,500	Learn More Add Review
STAR USA Restrictions	0.05%	$5	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
TEXANS Texans Branch Restrictions	0.05%	$2,500	Learn More Add Review
RESOURCE ONE Resource One Branch Restrictions	0.05%	$2,500	Learn More Add Review
GREATER TEXAS Gtfcu Branch Restrictions	0.05%	$2,500	Learn More Add Review
SOUTHWEST FINANCIAL Southwest Financial Branch Restrictions	0.05%	$2,500	Learn More Add Review
JUSTICE Justice Branch Restrictions	0.05%	$2,500	Learn More Add Review
FIRST SERVICE Oak Park Branch Restrictions	0.05%	$2,500	Learn More
FrankShonka1 \| Sep 21, 2017 friendly and knowledgeable and fun. what more could you ask for? Read More Reviews (1)
TEXAS BAY Pasadena Branch Restrictions	0.05%	$2,500	Learn More Add Review
BEACON Clear Lake Branch Restrictions	0.05%	$2,500	Learn More Add Review
ENERGY CAPITAL Energy Capital Branch Restrictions	0.05%	$2,500	Learn More Add Review
PRIMEWAY Missouri City Branch Restrictions	0.05%	$2,500	Learn More Add Review
MEMBERS CHOICE Members Choice Branch Restrictions	0.05%	$100	Learn More Add Review
CY-FAIR Stonecreek Branch Restrictions	0.05%	$2,500	Learn More Add Review
UNITED COMMUNITY Galena Park Financial Center Branch Restrictions	0.05%	$2,500	Learn More Add Review
HOUSTON METROPOLITAN Hmfcu Branch Restrictions	0.05%	$2,500	Learn More Add Review
AMOCO Friendswood Branch Restrictions	0.05%	$2,500	Learn More Add Review
CHARTWAY North Houston Branch Restrictions	0.05%	$100	Learn More Add Review
F A A Houston Branch Restrictions	0.04%	$5	Learn More Add Review
TEXAS BAY Pasadena Branch Restrictions	0.03%	$2,500	Learn More Add Review
HOUSTON Imperial Branch Restrictions	0.03%	$2,500	Learn More Add Review
CHOCOLATE BAYOU COMMUNITY Pearland Branch Restrictions	0.03%	$2,500	Learn More Add Review
CY-FAIR Stonecreek Branch Restrictions	0.02%	$2,500	Learn More Add Review
CHOCOLATE BAYOU COMMUNITY Pearland Branch Restrictions	0.02%	$2,500	Learn More Add Review
EDU Restrictions	0.01%	$1	Learn More Add Review
MEMBERSOURCE Sugar Land Branch Restrictions	0.01%	$2,500	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.

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Branches Info around Houston, Texas

Branch	Street	City	State
CHEVRON Br#17 Bellaire Br#17 Bellaire Branch	4800 Fournace Pl # E131	Bellaire	TX
SPECTRUM Spectrum Spectrum Branch	3000 Post Oak Blvd, Suite 150	Houston	TX
SPECTRUM Spectrum Spectrum Branch	3000 Post Oak Blvd, Suite 150	Houston	TX
SPECTRUM Spectrum Spectrum Branch	3000 Post Oak Blvd, Suite 150	Houston	TX
FIRST COMMUNITY First Community Cu O First Community Cu O Branch	15260 FM 529	Houston	TX
CHEVRON Br#17 Bellaire Br#17 Bellaire Branch	4800 Fournace Pl # E131	Bellaire	TX
CHEVRON Br#17 Bellaire Br#17 Bellaire Branch	4800 Fournace Pl # E131	Bellaire	TX
CHEVRON Br#17 Bellaire Br#17 Bellaire Branch	4800 Fournace Pl # E131	Bellaire	TX
ALLIANT Nhrcu Nhrcu Branch	900 Grand Plaza Dr	Houston	TX
FIRST COMMUNITY First Community Cu O First Community Cu O Branch	15260 FM 529	Houston	TX
FIRST COMMUNITY First Community Cu O First Community Cu O Branch	15260 FM 529	Houston	TX
CREDIT HUMAN Fallbrook Fallbrook Branch	8921 N Sam Houston Pkwy W	Houston	TX
CHARTWAY North Houston North Houston Branch	900 Grand Plaza Dr	Houston	TX
FIRST COMMUNITY First Community Cu O First Community Cu O Branch	15260 FM 529	Houston	TX
JSC Pearland Branch Pearland Branch	9101 Broadway St	Pearland	TX
CREDIT HUMAN Fallbrook Fallbrook Branch	8921 N Sam Houston Pkwy W	Houston	TX
FIRST COMMUNITY First Community Cu O First Community Cu O Branch	15260 FM 529	Houston	TX
JSC Pearland Branch Pearland Branch	9101 Broadway St	Pearland	TX
SHELL Pearland Pearland Branch	11391 Monroe Rd	Houston	TX
CREDIT HUMAN Fallbrook Fallbrook Branch	8921 N Sam Houston Pkwy W	Houston	TX
JSC Pearland Branch Pearland Branch	9101 Broadway St	Pearland	TX
SHELL Pearland Pearland Branch	11391 Monroe Rd	Houston	TX
SHELL Pearland Pearland Branch	11391 Monroe Rd	Houston	TX
JSC Pearland Branch Pearland Branch	9101 Broadway St	Pearland	TX
SHELL Pearland Pearland Branch	11391 Monroe Rd	Houston	TX
ADVANCIAL Advancial Advancial Branch	550 Westlake Park Blvd, Suite 150	Houston	TX
PREMIER AMERICA Premier America Premier America Branch	Carillon Shopping Center, 10001 Westheimer Rd, #25	Houston	TX
PREMIER AMERICA Premier America Premier America Branch	Carillon Shopping Center, 10001 Westheimer Rd, #25	Houston	TX
JSC Pearland Branch Pearland Branch	9101 Broadway St	Pearland	TX
HOUSTON POLICE Willowbrook Branch Willowbrook Branch	17314 State Highway 249 Ste 107	Houston	TX
PREMIER AMERICA Premier America Premier America Branch	Carillon Shopping Center, 10001 Westheimer Rd, #25	Houston	TX
CHARTWAY North Houston North Houston Branch	900 Grand Plaza Dr	Houston	TX
CREDIT HUMAN Fallbrook Fallbrook Branch	8921 N Sam Houston Pkwy W	Houston	TX
CHARTWAY North Houston North Houston Branch	900 Grand Plaza Dr	Houston	TX
SPECTRUM Spectrum Spectrum Branch	3000 Post Oak Blvd, Suite 150	Houston	TX
CHEVRON Br#17 Bellaire Br#17 Bellaire Branch	4800 Fournace Pl # E131	Bellaire	TX
PREMIER AMERICA Premier America Premier America Branch	Carillon Shopping Center, 10001 Westheimer Rd, #25	Houston	TX
CREDIT HUMAN Fallbrook Fallbrook Branch	8921 N Sam Houston Pkwy W	Houston	TX
PREMIER AMERICA Premier America Premier America Branch	Carillon Shopping Center, 10001 Westheimer Rd, #25	Houston	TX
CHARTWAY North Houston North Houston Branch	900 Grand Plaza Dr	Houston	TX
ADVANCIAL Advancial Advancial Branch	550 Westlake Park Blvd, Suite 150	Houston	TX
PREMIER AMERICA Premier America Premier America Branch	Carillon Shopping Center, 10001 Westheimer Rd, #25	Houston	TX
CHARTWAY North Houston North Houston Branch	900 Grand Plaza Dr	Houston	TX
COMMUNITY RESOURCE Atascocita Branch Atascocita Branch	6903 Atascocita Rd	Atascocita	TX
ADVANCIAL Advancial Advancial Branch	550 Westlake Park Blvd, Suite 150	Houston	TX
SHELL Pearland Pearland Branch	11391 Monroe Rd	Houston	TX
CHARTWAY North Houston North Houston Branch	900 Grand Plaza Dr	Houston	TX
SOUTHWEST AIRLINES Southwest Airlines Southwest Airlines Branch	8441 Gulf Freeway, Suite 103	Houston	TX
CHEMCEL Chemcel Chemcel Branch	9502 Bayport Road	Pasadena	TX
SYNERGY Valero Valero Branch	9701 Manchester	Houston	TX
HOUSTON Imperial Imperial Branch	203 Matlage Way	Sugar Land	TX
ADVANCIAL Advancial Advancial Branch	550 Westlake Park Blvd, Suite 150	Houston	TX
CHARTWAY North Houston North Houston Branch	900 Grand Plaza Dr	Houston	TX
COMMUNITY RESOURCE Atascocita Branch Atascocita Branch	6903 Atascocita Rd	Atascocita	TX
RESOURCE ONE Resource One Resource One Branch	9211 Jones Rd	Houston	TX
SYNERGY Valero Valero Branch	9701 Manchester	Houston	TX
HOUSTON Imperial Imperial Branch	203 Matlage Way	Sugar Land	TX
MEMORIAL Memorial Hermann Memorial Hermann Branch	915 Gessner Rd Ste 180	Houston	TX
TEXAS DOW EMPLOYEES Texas Dow Employees Texas Dow Employees Branch	10952 Westheimer	Houston	TX
COMMUNITY RESOURCE Atascocita Branch Atascocita Branch	6903 Atascocita Rd	Atascocita	TX
SOUTHWEST AIRLINES Southwest Airlines Southwest Airlines Branch	8441 Gulf Freeway, Suite 103	Houston	TX
CHEMCEL Chemcel Chemcel Branch	9502 Bayport Road	Pasadena	TX
BRAZOS VALLEY SCHOOLS Brazos Valley School Brazos Valley School Branch	1116 Soldiers Field	Sugar Land	TX
HOUSTON Imperial Imperial Branch	203 Matlage Way	Sugar Land	TX
BP Helios Branch Helios Branch	201 Helios Way	Houston	TX
FIRST COMMUNITY First Community Cu O First Community Cu O Branch	15260 FM 529	Houston	TX
CHARTWAY North Houston North Houston Branch	900 Grand Plaza Dr	Houston	TX
SMART FINANCIAL Smart Financial Smart Financial Branch	9810 Highway 90A	Sugar Land	TX
FIRST SERVICE Oak Park Branch Oak Park Branch	10200 Bellaire Blvd	Houston	TX
ASSOCIATED CREDIT UNION OF TEXAS Associated Credit Un Associated Credit Un Branch	10228 Broadway	Pearland	TX
GULF COAST EDUCATORS Pearland West Office Pearland West Office Branch	8000 BROADWAY ST	PEARLAND	TX
BEACON Clear Lake Branch Clear Lake Branch	1235 Clear Lake City Blvd	Houston	TX
ENERGY CAPITAL Energy Capital Energy Capital Branch	13501 Katy Freeway, Room W1-279	Houston	TX
BP Helios Branch Helios Branch	201 Helios Way	Houston	TX
MEMORIAL Memorial Hermann Memorial Hermann Branch	915 Gessner Rd Ste 180	Houston	TX
PREMIER AMERICA Premier America Premier America Branch	Carillon Shopping Center, 10001 Westheimer Rd, #25	Houston	TX
TEXAS DOW EMPLOYEES Texas Dow Employees Texas Dow Employees Branch	10952 Westheimer	Houston	TX
GREATER TEXAS Gtfcu Gtfcu Branch	5305 Bingle Rd	Houston	TX
ENERGY ONE Energy One Energy One Branch	1293 Eldridge Pkwy	Houston	TX
TOGETHER Anheuser-busch Emplo Anheuser-busch Emplo Branch	775 Gellhorn	Houston	TX
SMART FINANCIAL Smart Financial Smart Financial Branch	9810 Highway 90A	Sugar Land	TX
ASSOCIATED CREDIT UNION OF TEXAS Associated Credit Un Associated Credit Un Branch	10228 Broadway	Pearland	TX
CREDIT HUMAN Fallbrook Fallbrook Branch	8921 N Sam Houston Pkwy W	Houston	TX
AMOCO Friendswood Friendswood Branch	235 E Parkwood Ave	Friendswood	TX
FIRST TECHNOLOGY Houston Branch Houston Branch	11445 Compaq Center West Dr Bldg CCA05	Houston	TX
FIRST COMMUNITY First Community Cu O First Community Cu O Branch	15260 FM 529	Houston	TX
CHARTWAY North Houston North Houston Branch	900 Grand Plaza Dr	Houston	TX
MEMBERS TRUST OF THE SOUTHWEST Members Trust Of The Members Trust Of The Branch	2315 Mangun Rd	Houston	TX
GREATER TEXAS Gtfcu Gtfcu Branch	5305 Bingle Rd	Houston	TX
TOGETHER Anheuser-busch Emplo Anheuser-busch Emplo Branch	775 Gellhorn	Houston	TX
SMART FINANCIAL Smart Financial Smart Financial Branch	9810 Highway 90A	Sugar Land	TX
GULF COAST EDUCATORS Pearland West Office Pearland West Office Branch	8000 BROADWAY ST	PEARLAND	TX
BEACON Clear Lake Branch Clear Lake Branch	1235 Clear Lake City Blvd	Houston	TX
ENERGY CAPITAL Energy Capital Energy Capital Branch	13501 Katy Freeway, Room W1-279	Houston	TX
PRIMEWAY Missouri City Branch Missouri City Branch	4935 Highway 6	Missouri City	TX
HOUSTON TEXAS FIRE FIGHTERS Houston Texas Fire Fighters Fcu Houston Texas Fire Fighters Fcu Branch	4200 Kolb St	Houston	TX
TEXAS DOW EMPLOYEES Texas Dow Employees Texas Dow Employees Branch	10952 Westheimer	Houston	TX
MEMBERS TRUST OF THE SOUTHWEST Members Trust Of The Members Trust Of The Branch	2315 Mangun Rd	Houston	TX
ENERGY ONE Energy One Energy One Branch	1293 Eldridge Pkwy	Houston	TX
JUSTICE Justice Justice Branch	1 Justice Park Drive	Houston	TX
FIRST SERVICE Oak Park Branch Oak Park Branch	10200 Bellaire Blvd	Houston	TX
SYNERGY Valero Valero Branch	9701 Manchester	Houston	TX
GULF COAST EDUCATORS Pearland West Office Pearland West Office Branch	8000 BROADWAY ST	PEARLAND	TX
PRIMEWAY Missouri City Branch Missouri City Branch	4935 Highway 6	Missouri City	TX
TRUITY 66 66 Branch	600 N. Dairy Ashford	Houston	TX
PEOPLE'S TRUST Shell Westhollow Shell Westhollow Branch	3333 Highway 6 S Ste EC-101	Houston	TX
BP Helios Branch Helios Branch	201 Helios Way	Houston	TX
FIRST TECHNOLOGY Houston Branch Houston Branch	11445 Compaq Center West Dr Bldg CCA05	Houston	TX
AMOCO Friendswood Friendswood Branch	235 E Parkwood Ave	Friendswood	TX
ENERGY ONE Energy One Energy One Branch	1293 Eldridge Pkwy	Houston	TX
CHEMCEL Chemcel Chemcel Branch	9502 Bayport Road	Pasadena	TX
JUSTICE Justice Justice Branch	1 Justice Park Drive	Houston	TX
BRAZOS VALLEY SCHOOLS Brazos Valley School Brazos Valley School Branch	1116 Soldiers Field	Sugar Land	TX
SMART FINANCIAL Smart Financial Smart Financial Branch	9810 Highway 90A	Sugar Land	TX
ASSOCIATED CREDIT UNION OF TEXAS Associated Credit Un Associated Credit Un Branch	10228 Broadway	Pearland	TX
GULF COAST EDUCATORS Pearland West Office Pearland West Office Branch	8000 BROADWAY ST	PEARLAND	TX
TRUITY 66 66 Branch	600 N. Dairy Ashford	Houston	TX
MEMBERS CHOICE Members Choice Members Choice Branch	14960 Park Row Bv	Houston	TX
HOUSTON METROPOLITAN Hmfcu Hmfcu Branch	608 E Tidwell Rd	Houston	TX
HOUSTON TEXAS FIRE FIGHTERS Houston Texas Fire Fighters Fcu Houston Texas Fire Fighters Fcu Branch	4200 Kolb St	Houston	TX
PEOPLE'S TRUST Shell Westhollow Shell Westhollow Branch	3333 Highway 6 S Ste EC-101	Houston	TX
FIRST COMMUNITY First Community Cu O First Community Cu O Branch	15260 FM 529	Houston	TX
MEMORIAL Memorial Hermann Memorial Hermann Branch	915 Gessner Rd Ste 180	Houston	TX
HARRIS COUNTY Main Office Main Office Branch	1400 Franklin St	Houston	TX
TEXAS DOW EMPLOYEES Texas Dow Employees Texas Dow Employees Branch	10952 Westheimer	Houston	TX
COMMUNITY RESOURCE Atascocita Branch Atascocita Branch	6903 Atascocita Rd	Atascocita	TX
F A A Houston Branch Houston Branch	16600 John F Kennedy Blvd	Houston	TX
TEXANS Texans Texans Branch	12201 Southwest Freeway	Stafford	TX
ADVANCIAL Advancial Advancial Branch	550 Westlake Park Blvd, Suite 150	Houston	TX
SOUTHWEST AIRLINES Southwest Airlines Southwest Airlines Branch	8441 Gulf Freeway, Suite 103	Houston	TX
TOGETHER Anheuser-busch Emplo Anheuser-busch Emplo Branch	775 Gellhorn	Houston	TX
ASSOCIATED CREDIT UNION OF TEXAS Associated Credit Un Associated Credit Un Branch	10228 Broadway	Pearland	TX
BEACON Clear Lake Branch Clear Lake Branch	1235 Clear Lake City Blvd	Houston	TX
JSC Pearland Branch Pearland Branch	9101 Broadway St	Pearland	TX
SHARED RESOURCES Main Office Main Office Branch	2102 Pasadena Fwy	Pasadena	TX
TRUITY 66 66 Branch	600 N. Dairy Ashford	Houston	TX
MEMBERS CHOICE Members Choice Members Choice Branch	14960 Park Row Bv	Houston	TX
CY-FAIR Stonecreek Branch Stonecreek Branch	16727 FM 529 Rd	Houston	TX
PEOPLE'S TRUST Shell Westhollow Shell Westhollow Branch	3333 Highway 6 S Ste EC-101	Houston	TX
SHELL Pearland Pearland Branch	11391 Monroe Rd	Houston	TX
BCM Bcm Bcm Branch	4003 Bellaire Blvd, Suite A	Houston	TX
FIRST TECHNOLOGY Houston Branch Houston Branch	11445 Compaq Center West Dr Bldg CCA05	Houston	TX
SPCO Spco Spco Branch	12755 N HOUSTON ROSSLYN RD	HOUSTON	TX
TEXANS Texans Texans Branch	12201 Southwest Freeway	Stafford	TX
RESOURCE ONE Resource One Resource One Branch	9211 Jones Rd	Houston	TX
GREATER TEXAS Gtfcu Gtfcu Branch	5305 Bingle Rd	Houston	TX
SOUTHWEST FINANCIAL Southwest Financial Southwest Financial Branch	3730 Kirby Dr Ste 100	Houston	TX
JUSTICE Justice Justice Branch	1 Justice Park Drive	Houston	TX
FIRST SERVICE Oak Park Branch Oak Park Branch	10200 Bellaire Blvd	Houston	TX
TEXAS BAY Pasadena Pasadena Branch	1301 W Pasadena Fwy	Pasadena	TX
BEACON Clear Lake Branch Clear Lake Branch	1235 Clear Lake City Blvd	Houston	TX
ENERGY CAPITAL Energy Capital Energy Capital Branch	13501 Katy Freeway, Room W1-279	Houston	TX
PRIMEWAY Missouri City Branch Missouri City Branch	4935 Highway 6	Missouri City	TX
MEMBERS CHOICE Members Choice Members Choice Branch	14960 Park Row Bv	Houston	TX
CY-FAIR Stonecreek Branch Stonecreek Branch	16727 FM 529 Rd	Houston	TX
UNITED COMMUNITY Galena Park Financial Center Galena Park Financial Center Branch	1700 16th St	Galena Park	TX
HOUSTON METROPOLITAN Hmfcu Hmfcu Branch	608 E Tidwell Rd	Houston	TX
AMOCO Friendswood Friendswood Branch	235 E Parkwood Ave	Friendswood	TX
CHARTWAY North Houston North Houston Branch	900 Grand Plaza Dr	Houston	TX
F A A Houston Branch Houston Branch	16600 John F Kennedy Blvd	Houston	TX
TEXAS BAY Pasadena Pasadena Branch	1301 W Pasadena Fwy	Pasadena	TX
HOUSTON Imperial Imperial Branch	203 Matlage Way	Sugar Land	TX
CHOCOLATE BAYOU COMMUNITY Pearland Pearland Branch	10618 Crossroads Plaza Dr	Pearland	TX
TEXAS DOW EMPLOYEES Texas Dow Employees Texas Dow Employees Branch	10952 Westheimer	Houston	TX
CY-FAIR Stonecreek Branch Stonecreek Branch	16727 FM 529 Rd	Houston	TX
CHOCOLATE BAYOU COMMUNITY Pearland Pearland Branch	10618 Crossroads Plaza Dr	Pearland	TX
FIRST TECHNOLOGY Houston Branch Houston Branch	11445 Compaq Center West Dr Bldg CCA05	Houston	TX
MEMBERSOURCE Sugar Land Sugar Land Branch	16535 Lexington Blvd Ste 145	Sugar Land	TX

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates. You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.