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Products & Services To Suit Every Lifestyle & Budget

Overdraft Courtesy Pay

Homeport Federal Credit Union now offers Overdraft Courtesy Pay to its members. Overdraft Courtesy Pay allows qualified members to overdraw their share draft account up to a maximum of $500.00. Your checks will not be returned for NSF (Non-Sufficient Funds); therefore, third parties will not charge additional fees against your account. Our Overdraft Courtesy Pay fee will be $25.00 per item.

To qualify, you must have an active checking account which has been open for at least 90 days. All your accounts must be current with Homeport Federal Credit Union, and your account may not exceed the $500.00 Overdraft Courtesy Pay limit.

Homeport Federal Credit Union will honor courtesy pay on its Visa Debit/ACH (Automated Clearing House Transactions). We reserve all rights to revoke or suspend at any time without notice any account that is deemed to be no longer eligible.

We also reserve the right to revoke Overdraft Courtesy Pay or close any account at any time without notice. If you choose to take advantage of our Overdraft Courtesy Pay program, it will only honor items processed via regular check or electronic processing. Other restrictions may apply. Failure to pay the overdraft balance may result in legal action. NSF fees may change without notice.

Savings Share Accounts

Members can use savings at our credit union as an emergency fund, a down payment on a home or car, a college fund for the kids, or any other reason you wish. Interest that is paid on savings is compounded monthly and higher interest is paid on higher balances.

Share Certificate Accounts

The time of these Share Certificate accounts will vary, but normally range from six months to one year. The amount needed to invest may also vary.

Individual Retirement Accounts

You may establish a special savings account for your retirement. The interest earned is tax deferred and part of your deposit could be as well. As with all credit union accounts, your IRA deposit can be withheld from your paycheck.

Christmas Club Share Accounts

Checking Accounts

Visa Check Card

The Visa check card makes it possible for you to “Go Paperless” with your Credit Union Debit Card. A debit card can be used as both a Check and an ATM card. Your Visa Check Card can be used worldwide at any merchant or any terminal with PULSE, CIRRUS, or PLUS network logos displayed.

Night Depository

Night deposits can be made beside the drive-thru at our main office at 5959 S. Staples, Suite 100, Corpus Christi, TX 78413, and next to the ATM at our downtown location, 523 Taylor, Corpus Christi, TX 78401. Your deposit will be credited to your account the next business day and we will mail you a receipt.

Home Banking

By calling the audio response, members can learn about Services, dividend rates, and loan rates for various types of loans. Members can learn account balances or see if a check has cleared their account. They can also transfer money from one type of account to another.

Phone Loans

Use our Audio Response System to apply for a loan 24 hours a day. All information is taken using the touch-tone phone prompts with some verbal direction and shared information. Your application will be reviewed immediately or at the start of the next working day if you call after hours. You will be notified within that work day if approved or disapproved.

VISA Credit Card

Regular VISA Credit Card and Gold VISA Credit Cards are issued with eligibility requirements similar to those for signature loans. We feature no annual fee plus a 10-day grace period.

Direct Deposit for Social Security

When you choose direct deposit, you stay in control of your finances. You select the account where your Social Security payment is deposited. This method of payment is also safe, without the worry of lost or stolen checks, and convenient, as you don’t have to travel to a location to deposit a hard check.

It’s easy to sign up for Direct Deposit of your Social Security check. Ask us or call Social Security’s toll-free number weekdays from 7 AM to 7 PM at

When you call, be sure to have your Social Security number and a personal check or account statement handy. Your Social Security representative will need information from these documents to initiate direct deposit on your behalf.

Discounts on Local Attractions

We are proud to partner with local attractions to offer special savings to Homeport Federal Credit Union Members. Discounted tickets to Fiesta Texas and SeaWorld San Antonio are exclusively available to our membership.


Call us for more information on our products at 361-986-9733 or email