Houston Federal Credit Union

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Cool 🚗Rates, Unlike Houston Fall

Rates as low as
4.50% APR*

Cruise into September with a Lower Auto Loan Rate!

Auto Loans

*APR is Annual Percentage Rate. 
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Still Hot... but 🏡 Loan Rates Dropped 

Rates as low as
5.375% with a
5.591% APR*

Save money on your mortgage. Low closing costs and no origination point fees.

Mortgage Loans

*APR is Annual Percentage Rate. 
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360 Secure Checking -  Credit Score Monitoring

Access your credit report and score, and get helpful insights into managing your credit. Follow these tips to help you develop good credit habits.

Learn More
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Your Purchases Deserve 💵 Rewards

1.50% cash back rewards with every purchase! Rewards never expire, have no limit, and can be used however you choose. 

Learn More

Rates that work for you

New  & Used Auto


rates as low as
4.50%
Annual Percentage Rate

rates as low as
7.50%
Annual Percentage Rate

rates as low as

5.375%
with a
5.591%

Annual Percentage Rate

yields as high as
4.00%
Annual Percentage Yield

yields as high as
1.70%
Annual Percentage Yield
Unlock your financial potential

Manage your finances anytime, anywhere

Anytime access, enhanced security and user-friendly tools. We give you the freedom to take control of your money on your own terms.

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24/7 Access

Ways we can help you

We’re not just a financial institution – we’re your go-to partner for all things money.

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I’ve been a proud member since 2018 and it has been one of the best decisions I’ve ever made when it comes to my financial well-being. 
Esther M.

I've been a loyal mem has been nothing short of outstanding, marked by professionalism, attention to detail, and genuine care for member needs. 
Mike S.

Jessica M. is a great person who helped me open my first credit union account. She made the process super easy for me. Thank you so much. 
Lisa S.

We saved our members a total of $113,480.55 in the month of July by refinancing their loans with HFCU!
Newsweek - America's Best Credit Union Logo


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HFCU Success Stories

Passionate about helping others? We’re hiring!

Join the HFCU team and enjoy a supportive work environment with great benefits. Explore our job openings today!

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Empower your financial journey

At Houston FCU, we provide the resources you need to reach your financial goals.


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ELEVATE Financial Wellness
Free online financial education.
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Financial Counseling
Free & tailored advice for HFCU members.
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Financial Calculators
Handy tools to help plan.
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Become a Member
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Experience the HFCU difference

At Houston Federal Credit Union, we’re here to help you achieve your financial goals.
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Lower fees, competitive rates, and incredible member perks
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Community-focused approach
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Personalized and exceptional service

The latest articles from HFCU

Please read our featured articles that provide useful information and tips to help empower and lead you to success through your personal financial journey.
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Good Credit Habits to Help Protect Your Financial Future

Fraud Alert: Be Aware of Chip Card Tampering

Need Access? Download HFCU'smobile app!


HFCU QR Code