Houston Federal Credit Union

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No Dealer Drama, Just Deals 🚗

Rates as low as
4.50% APR*

Skip the showroom stress. Finance with us and keep your cool.

Auto Loans

*APR is Annual Percentage Rate. 
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Don’t Sweat 😅 the Mortgage

Rates as low as
5.500% with a
5.718% APR*

Low closing costs and no origination point fees. We make homebuying a breeze - even in the Houston heat!


Mortgage Loans

*APR is Annual Percentage Rate. 
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360 Secure Checking - Travel ✈️ & Leisure Discounts

Experience checking with value-added benefits that have your financial and personal well-being in mind.

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Prepare for  Hurricane 🌀 Season

It’s not officially over until November 30, so make sure you continue to stay prepared!

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
8.20%
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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Logan did an outstanding job on my loan. She made it so easy and was quick  to respond. Of all the loans I have worked on, this was by far the simplest. 
Andrew H.

Mikayla's patient, knowledgeable, accurate, quick, and member-service oriented. We are so happy she works there. 
Trek R.

Great environment and easy setup for new accounts. Alma was a great help and made the experience very simple and enjoyable. 
W. Long

We saved our members a total of $239,498.76 in the month of May 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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Tips to Identify Online Scammers

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Prepare for Hurricane 🌀 Season

Need Access? Download HFCU'smobile app!


HFCU QR Code