--- title: "Houston Credit Union Rates - Texas" description: "Current mortgage, vehicle loan, heloc, personal loan, credit card, and savings & cd rates from Houston Credit Union in Texas. Updated daily with source verification. See who can join Houston Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/houston" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Houston Credit Union Rates - Texas ### Mortgage rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Mortgage Loan Rates (10 Year)** other | — APR | 5.875% | — | Standard | | **Mortgage** other | — APR | 5.875% | — | Standard | | **Lot Loans (36 Month Max Term)** other | — APR | 5.990% | — | Standard | | **Mortgage Loan Rates (15 Year)** other | — APR | 6.125% | — | Standard | | **Mortgage Loan Rates (20 Year)** other | — APR | 6.750% | — | Standard | | **Mortgage Loan Rates (30 Year)** other | — APR | 7.000% | — | Standard | Houston Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 16 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Auto** auto_any | — APR | 4.500% | any | Standard | | **Up to 36-Month Used Auto Loan** auto_used_36mo | — APR | 4.500% | 36 mo · used | Standard | | **Up to 36-Month New Auto Loan** auto_new_36mo | — APR | 4.500% | 36 mo · new | Standard | | **Used Automobile Loan Rates (37 – 48 Months)** auto_used_48mo | — APR | 4.750% | 48 mo · used | Standard | | **New Automobile Loan Rates (37 – 48 Months)** auto_new_48mo | — APR | 4.750% | 48 mo · new | Standard | | **Used Automobile Loan Rates (49 – 60 Months)** auto_used_60mo | — APR | 5.200% | 60 mo · used | Standard | | **New Automobile Loan Rates (49 – 60 Months)** auto_new_60mo | — APR | 5.200% | 60 mo · new | Standard | | **Used Automobile Loan Rates (61 – 72 Months)** auto_used_72mo | — APR | 6.000% | 72 mo · used | Standard | | **New Automobile Loan Rates (61 – 72 Months)** auto_new_72mo | — APR | 6.000% | 72 mo · new | Standard | | **New Automobile Loan Rates (73 – 84 Months)** auto_new_84mo | — APR | 6.500% | 84 mo · new | Standard | | **Used Automobile Loan Rates (73 – 84 Months)** auto_used_84mo | — APR | 6.500% | 84 mo · used | Standard | | **Motorhomes, RVs and Travel Trailers (Up to 60 Months)** rv_any_60mo | — APR | 7.750% | 60 mo | Standard | | **Motorhomes, RVs and Travel Trailers (Up to 72 Months)** rv_any_72mo | — APR | 8.200% | 72 mo | Standard | | **Motorhomes, RVs and Travel Trailers (Up to 120 Months)** rv_any_120mo | — APR | 9.000% | 120 mo | Standard | | **Motorhomes, RVs and Travel Trailers (Up to 144 Months)** rv_any_144mo | — APR | 9.500% | 144 mo | Standard | | **Motorhomes, RVs and Travel Trailers (Up to 180 Months)** rv_any_180mo | — APR | 9.500% | 180 mo | Standard | Houston Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **South Carolina HELOC** heloc_variable | — APR | 7.000% | — | Standard | Houston Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Home Improvement Loans (60 Months)** personal_unsecured_60mo | — APR | 5.990% | 60 mo | Standard | | **Home Improvement Loans (120 Months)** personal_unsecured_120mo | — APR | 6.990% | 120 mo | Standard | | **Home Improvement Loans (180 Months)** personal_unsecured_180mo | — APR | 7.490% | 180 mo | Standard | | **Up to 18-Month Personal Loan** personal_unsecured_18mo | — APR | 9.750% | 18 mo | Standard | | **Signature Loans (0 – 72 months)** personal_unsecured_72mo | — APR | 10.750% | 72 mo | Standard | Houston Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 7.000% | — | Standard | | **Visa® Business Platinum** credit_card_business | — APR | 8.990% | — | Standard | | **Visa® Advantage Secured** credit_card_secured | — APR | 8.990% | — | Standard | | **Visa® Platinum Advantage** credit_card_platinum | — APR | 8.990% | — | Standard | | **Visa® Platinum Rewards** credit_card_rewards | — APR | 9.990% | — | Standard | Houston Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Money Market** money_market | — APY | 1.45% | — | Standard | | **7 Day up to 91 Day** savings | — APY | 1.94% | — | Standard | | **6 Month to 11 Month** cd_11mo | — APY | 3.75% | 11 mo | Standard | | **18 Month to 23 Month** cd_23mo | — APY | 3.99% | 23 mo | Standard | | **24 Month to 29 Month** cd_29mo | — APY | 4.04% | 29 mo | Standard | | **12 Month to 17 Month** cd_17mo | — APY | 4.09% | 17 mo | Standard | | **30 Month to 35 Month** cd_35mo | — APY | 4.09% | 35 mo | Standard | | **36 Month to 47 Month** cd_47mo | — APY | 4.13% | 47 mo | Standard | | **48 Month to 59 Month** cd_59mo | — APY | 4.18% | 59 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 4.33% | 60 mo | Standard | | **Certificate** cd | — APY | 4.40% | — | Standard | Houston Credit Union savings & cd rates as of November 12, 2026 ### Other rates 8 offers | Product | Published | Rate | Term / condition | Status | | **60 Month Balloon** other | — % | 6.250% | — | Standard | | **Other Secured (Up to 36 Months)** other | — % | 6.500% | — | Standard | | **Other Secured (37 – 48 Months)** other | — % | 6.750% | — | Standard | | **APR – Variable Rate as low as** other | — % | 7.000% | — | Standard | | **Other Secured (49 – 60 Months)** other | — % | 7.200% | — | Standard | | **144 Month Fixed** other | — % | 7.750% | — | Standard | | **Other Secured (61 – 72 Months)** other | — % | 8.000% | — | Standard | | **Other Secured (73 – 84 Months)** other | — % | 8.500% | — | Standard | Houston Credit Union other rates as of November 12, 2026 Houston Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/houston) , verified from [Houston Credit Union's official website](https://www.houstonfcu.org/) Loading branch locator… ## About Houston Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 60.1K Assets $961.8M Founded 1960 Locations reported 12 NCUA charter 14091 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Membersource** Sugar Land · Sugar Land · TX · 77479-2587 About 1.8 miles away](https://rateapi.dev/credit-unions/texas/membersource) [**Ila 1351** Houston Federal Credit Union · Sugar Land · TX · 77479-4097 About 2.2 miles away](https://rateapi.dev/credit-unions/texas/ila-1351) [**Texas Dow Employees** TDECU-Sugar Land · Sugar Land · TX · 77478 About 2.4 miles away](https://rateapi.dev/credit-unions/texas/texas-dow-employees) [**First Community** Sugar Land · Sugar Land · TX · 77478-4408 About 2.7 miles away](https://rateapi.dev/credit-unions/texas/first-community) [**Brazos Valley Schools** Brazos Valley Schools CU · Sugar Land · TX · 77479 About 2.9 miles away](https://rateapi.dev/credit-unions/texas/brazos-valley-schools) [**Primeway** Sugar Land · Sugar Land · TX · 77479-5470 About 3.0 miles away](https://rateapi.dev/credit-unions/texas/primeway) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Houston Credit Union Membership eligibility from Houston Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Houston Credit Union's website. Check the membership page below to confirm whether you qualify. - Location TX Verified from [Houston Credit Union's membership page](https://www.houstonfcu.org/about/membership) . Final membership determination is always made by the credit union. ## Membership rules for Houston Credit Union Geography 4 · Family 5 published paths to membership, last verified November 8, 2026, quoted from Houston Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Houston, TX “You can join our credit union - and enjoy the other first-rate financial services we offer - if you live, work, worship or attend school in Houston, Texas, or certain other communities.” > [source ↗](https://www.houstonfcu.org/about/membership) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member spouse, child, parent, grandparent, grandchild, sibling, stepparents, stepsisters, adopted children, household member “Plus, your immediate family members or household members can join HFCU as well Here's a list of family members who qualify: Spouse Children Parents Grandparents Grandchildren Siblings Stepparents Stepsisters/brothers Adopted children” > [source ↗](https://www.houstonfcu.org/about/membership) - Family member (spouse, child, parent, grandparent, grandchild, sibling, stepparents, stepsisters, adopted children, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Houston Credit Union? Yes No ## Work at Houston Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Houston Credit Union ranks against Texas peers. - See which AI assistants fetched Houston Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=houston&state=texas&code=TX&name=Houston%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Houston Credit Union offer? Houston Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Houston Credit Union rates updated? RateAPI verifies Houston Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Houston Credit Union's rate data? Rate data is collected directly from Houston Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Houston Credit Union? Houston Credit Union publishes its membership criteria on its own website. RateAPI tracks 5 published membership paths covering 4 geographic areas for Houston Credit Union, each quoted from Houston Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Houston Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.houstonfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Houston Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Houston Credit Union curl "https://api.rateapi.dev/credit-unions/texas /houston " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Houston Credit Union locations Search, filter, and browse all 12 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/houston Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp