Succeed

Houston Federal Credit Union’s super low rates and minimal or non-existent fees help our members thrive and reach their financial goals.

Current Rates

Loan Rates Below Effective: August 1, 2022 through August 31, 2022

Used Automobile Loan Rates

Term APR – Fixed Rate as low as
Up to 36 Months 3.19%
37 – 48 Months 3.45%
49 – 60 Months 3.70%
61 – 72 Months 4.19%
73 – 84 Months 4.45%

Loan Rates Below Effective: August 1, 2022 through August 31, 2022

New Automobile Loan Rates

Term APR – Fixed Rate as low as
Up to 36 Months 2.99%
37 – 48 Months 3.25%
49 – 60 Months 3.50%
61 – 72 Months 3.99%
73 – 84 Months 4.25%

Loan Rates Below Effective: August 1, 2022 through August 31, 2022

Other Secured (Boats, Motorcycles, Jet Skis, etc)

Term APR – Fixed Rate as low as
Up to 36 Months 4.99%
37 – 48 Months 5.25%
49 – 60 Months 5.50%
61 – 72 Months 5.99%
73 – 84 Months 6.25%

Loan Rates Below Effective: August 1, 2022 through August 31, 2022

Motorhomes, RVs and Travel Trailers

Amount Term APR – Fixed Rate as low as
$5,000 – $14,999 Up to 60 Months 6.25%
$15,000 – $24,999 Up to 72 Months 6.50%
$25,000 – $74,999,000 Up to 120 Months 6.99%
$75,000 – $149,999 Up to 144 Months 7.25%
$150,000 – 250,000 Up to 180 Months 7.25%

APR is Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Stated “rates as low as” apply to well-qualified applicants. Loan term, loan to value (LTV) and/or down payment, for example, may vary based upon your credit history. Other restrictions may apply and rates are subject to change without notice. Talk to a loan officer for details. Loan terms 72-84 months require a $20,000 minimum loan.

Payment Example: 60 monthly payments of approximately $18.19 per $1,000 borrowed at 3.50% APR.