The Credit Union Difference
Credit unions are not-for-profit financial cooperatives, whose earnings are paid back to members in the form of higher savings rates and lower loan rates. Banks are for-profit corporations, with declared earnings paid to stockholders only.
When you walk into the Credit Union lobby, or call a loan officer, what makes HBTFCU different from a bank isn’t immediately apparent.
- Houston Belt & Terminal Federal Credit Union offers it members a non-profit, democratic, member-controlled ownership.
- HBTFCU is a locally-owned institution providing you with personal service right here in Houston. Unlike recent bank mergers, which force their customers to use 800 numbers in another state, our service and problem resolution is local.
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