Founded to serve Houston Belt & Terminal Railway workers, Houston Belt & Terminal Federal Credit Union is a Texas cooperative operating under the motto "not for profit, but for service." Members access checking, savings, auto and personal loans, plus online tools, all delivered with railroad-era loyalty and hometown Houston care.

From railroad roots to modern money tools, Houston Belt & Terminal Federal Credit Union has been looking out for working Texans for generations. HBT FCU members get competitive loan rates, dividend-earning savings, and a team that treats every account like it matters, because it does. It's the kind of hometown financial partner Houston deserves. And here's a bonus track: shop through Fluz to grab discounted gift cards and instant cashback on groceries, gas, and dining, then watch your rewards pile up alongside your credit union savings. Your money works harder when HBT FCU and Fluz are both on your side.