Houston Texas Fire Fighters Federal Credit Union | 2020-2021 Reviews & Ranking
AdvisoryHQ recently published its list and review of the top credit unions in Houston, Texas, a list that included Houston Texas Fire Fighters Federal Credit Union.
Click here for a detailed review of AdvisoryHQ’s selection methodology: AdvisoryHQ’s Methodology for Selecting Top Banks and Credit Unions.
Houston Texas Fire Fighters Federal Credit Union Review
Houston Texas Fire Fighters Federal Credit Union was founded in 1935, and for 45 years was run exclusively by fire fighters who volunteered their services. Today, this top-rated Houston credit union has over $250 million in assets.
HTFFFCU has three branches and is part of the Co-Op Shared Branches Network, which includes over 5,000 additional locations that members can use.
Membership is open to uniformed Houston Fire Department Fire Fighters, employees of Houston Fire Fighters’ Relief and Retirement Fund, and employees of Houston Texas Fire Fighters Federal Credit Union, or an eligible relative of a member.
Key Factors Leading Us to Rank This Firm as One of the 2020-2021 Top Credit Union Firms
In the unfortunate event of an overdrawn account, HTFFFCU allows you to set up overdraft protection to avoid some of the merchant fees or other consequences you would otherwise have to deal with.
The program will link your savings account to your checking so that if a transaction overdraws your account, an automatic transfer from your savings will cover the deficit. There is no additional charge for the service.
Best Credit Unions in Houston, Texas 2020-2021
You also have the option to choose Overdraft Tolerance, and this Houston credit union will cover up to $300 per checking account if you have any insufficient funds transactions come through. This service is only available towards electronic checks and debits through ACH.
Comprehensive Loan and Credit Offerings
Houston Texas Fire Fighters Credit Union offers the wide selection of loans and two credit options for those wishing to borrow money. The loans offered by this top Houston credit union include:
- Auto loans
- Personal loans (secured & unsecured)
- Home equity, HELOC, home improvement loans
- Home loans
- Education loans
- Business loans
There are two credit card options offered by HTFFFCU, the Rewards Visa and Low-Rate Visa.
The Rewards Visa comes with a competitive rate and allows you to earn one reward point for every dollar spent.
The Low-Rate Visa has no annual fees, no cash advance fee, and no balance transfer fee, and comes with a competitive rate.
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Online and Mobile Services
This top Houston credit union offers convenient technology-based systems that members can utilize to simplify banking. Online banking provides the following services:
- Check balances
- Reorder checks
- View transaction history
- Bill pay
- Stop payments
- View cleared checks
Members can also sign up for mobile alerts and receive notifications in real-time about their accounts. Various fees may apply. Some of the notifications that you can set include:
- Large purchase alerts (you set the amount)
- When a purchase is made without your card being present
- Purchases made outside the country
Account holders can also link their Houston Texas Fire Fighters Credit Union debit card or credit card to Apple Pay, Google Pay, or Samsung Pay digital wallets.
A smartphone app is also available that provides the following services: the ability to check balances, bill pay, transfers between share accounts, ATM locator, and much more. The app is available on Apple and Android devices.
Fees may apply for online, mobile or the other technology-based services.
Related: Members Choice Credit Union Review
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From loans to checking and savings to investments, Houston Texas Fire Fighters Federal Credit Union provides a full array of valuable services to their members. They additionally offer a free online financial education tools.
HTFFFCU is one of the best Houston credit unions you can bank with, but they do have a fairly limited membership eligibility, which is why we have rated them with 4-stars. If you are eligible for membership, they’re a top credit union in Texas to consider.
In addition to reviewing the above Houston Texas Fire Fighters Federal Credit Union review, you can click on any of the links below to browse exclusive reviews of AdvisoryHQ’s top rated banking & credit union firms:
- BP Federal Credit Union
- Cy-Fair Federal Credit Union
- First Community Credit Union
- First Service Credit Union
- Harris County Federal Credit Union
- Houston Police Federal Credit Union
- Houston Texas Fire Fighters
- JSC Federal Credit Union
- Members Choice Credit Union
- Memorial Credit Union
- People’s Trust Federal Credit Union
- Primeway Federal Credit Union
- Smart Financial Credit Union
- Texas Bay Credit Union
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