Houston Federal Credit Union

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Spark ⚡ Savings on EV Loans

Auto loans as low as
4.50% APR*

Our low rates charge your wallet, while you charge your car!

Auto Loans

*APR is Annual Percentage Rate. 
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Low  Rates. High Ceilings. 🏡

Why settle for low expectations when you can have both low rates and the keys to something bigger, bolder, and better?

Mortgage Loans  View Rates and Apply
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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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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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Branch Manager, Amanda, was awesome. We need more people in the world like her. 
Jesse L.

Ommar was incredibly helpful today. Recently joined the credit union and super excited about this new relationship!!!!
Lisa R.

Always a pleasure to do business with Houston Federal. Friendly staff and convenient Greenway Plaza location.
Janice W.

We saved our members a total of $245,519.48 in the month of April 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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Don't Tax My Credit Union.

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Best of the Best 2025

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