EARN UP TO 4.50% APY
Lock in your rate.
Grow your savings.
Member-owned banking in the Galleria area. Competitive CD rates, low fees, and personal service from people who know your name — not just your account number.
All available terms & rates — APYs accurate as of May 1, 2026.
| TERM | MIN. DEPOSIT | APY | EST. EARNINGS / $10K | TOTAL VALUE | ACTION |
|---|---|---|---|---|---|
| 6-Month CD | $10,000 | 3.75% | ~$188 | $10,188 | Open → |
| 12-Month CD | $20,000 | 4.10% | ~$410 | $10,410 | Open → |
| 18-Month CD | $20,000 | 4.15% | ~$622 | $10,622 | Open → |
| 24-Month CD ★ MOST POPULAR | $50,000 | 4.25% | ~$868 | $10,868 | Open → |
| Jumbo 24-Month ★ BEST RATE | $100,000 | 4.50% | ~$921 | $10,921 | Open → |
Our Services
A full range of financial solutions — from everyday banking to community-focused credit services — designed to help our members thrive.
Deposit Accounts
CDs, Savings & Checking — secure accounts for saving, spending, and earning strong interest.
Auto & Personal Loans
Affordable financing for vehicles, payroll, and holiday expenses at member-first rates.
Financial Literacy
Workshops and tools to help you build stronger financial habits and long-term wealth.
Credit Services
Credit rebuilding and management plans tailored to your goals and current situation.
Tax Services
Personal and business tax preparation, planning, and filing from trusted advisors.
Other Products
Prepaid cards, gift cards, and everyday banking tools to round out your financial life.
Our Best Rates — At a Glance
Rates effective April 2026. Federally insured by NCUA. Membership eligibility required.
See full rates & terms at heritagehubfederal.org · Early withdrawal penalties apply to CDs
A Credit Union Built for Houstonians
Rates that beat big banks
Our not-for-profit structure means profits go back to members — not shareholders — so our rates beat the national average.
Federally insured safety
Every deposit is insured up to $250,000 by the NCUA — backed by the full faith and credit of the U.S. government.
People-first service
No bots. No hold music. Real Houston-based staff available in branch, by phone, or through our member portal.
Open in 10 minutes
Start online or visit our Winrock Blvd branch. Our team walks you through every step — same-day funding available.
Your money stays local
Deposits at Heritage Hub fund Houston-area loans — helping neighbors buy homes, start businesses, and build community.
Modern digital banking
Mobile apps on iOS and Android, online account opening, Bill Pay, and eStatements — all at your fingertips.
Become a Member in 4 Easy Steps
No waiting weeks. Most accounts open the same day.
01
Confirm eligibility
Anyone who lives, works, worships, or attends school in the Houston area can join.
02
Open a Primary Share
A one-time $5 deposit into a Primary Savings account establishes your membership.
03
Choose your products
Add Checking, CDs, Loans, or other services — all within a single member portal.
04
Start banking
Fund online, pick up your debit card, and start using the mobile app the same day.
Why Houston Families Trust Heritage Hub
"I was keeping money in a regular savings account earning next to nothing. Moving it into a Heritage Hub 12-month CD was the best financial decision I made this year."
Shaun Ross
Member since 2025 · Galleria area
"The staff at Winrock sat with me for 20 minutes explaining every option. No pressure, no upselling — just genuinely helpful. Opened a CD the same day."
Daniel A.
Member since 2025 · West Houston
"We used Heritage Hub CDs to save for our kids' college fund. Guaranteed returns with zero risk — exactly what we needed as parents."
Kimberly Polk & Family
Members since 2025 · Memorial area
Common Questions, Clearly Answered
Who is eligible to join Heritage Hub?
Anyone who lives, works, worships, or attends school in the Houston, TX area. Joining takes minutes with a $5 deposit into a Primary Savings account.
How are my deposits protected?
Heritage Hub is federally insured by the NCUA. Deposits are protected up to $250,000 per depositor, per ownership category — backed by the U.S. government.
What CD terms do you offer?
6-month, 12-month, 18-month, 24-month, and Jumbo 24-month CDs. Current rates range up to 4.50% APY. Early withdrawal penalties apply per disclosures.
How do I apply for an auto or personal loan?
Apply online through our member portal or visit our Winrock Blvd branch. Rates start as low as 6.50% APR with approved credit.
Can I bank on mobile?
Yes. The Heritage Hub mobile app is available on the App Store and Google Play. Online Banking, Bill Pay, and eStatements are also available.
What makes a credit union different?
Credit unions are member-owned, not-for-profit cooperatives. Profits are returned to members through better rates, lower fees, and personal service.
Finance your future —
with us.
Join Heritage Hub Federal Credit Union and unlock 4.50% APY CDs, low-rate loans, and community-first banking — backed by the people who know your name.
