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: December 1, 2022 through December 31, 2022

Used Automobile Loan Rates

Term APR – Fixed Rate as low as
Up to 36 Months 4.44%
37 – 48 Months 4.70%
49 – 60 Months 4.95%
61 – 72 Months 5.44%
73 – 84 Months 5.70%

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

New Automobile Loan Rates

Term APR – Fixed Rate as low as
Up to 36 Months 4.24%
37 – 48 Months 4.50%
49 – 60 Months 4.75%
61 – 72 Months 5.24%
73 – 84 Months 5.50%

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

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

Term APR – Fixed Rate as low as
Up to 36 Months 6.24%
37 – 48 Months 6.50%
49 – 60 Months 6.75%
61 – 72 Months 7.24%
73 – 84 Months 7.50%

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

Motorhomes, RVs and Travel Trailers

Amount Term APR – Fixed Rate as low as
$5,000 – $14,999 Up to 60 Months 7.50%
$15,000 – $24,999 Up to 72 Months 7.75%
$25,000 – $74,999,000 Up to 120 Months 8.24%
$75,000 – $149,999 Up to 144 Months 8.50%
$150,000 – 250,000 Up to 180 Months 8.50%

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 $18.76 per $1,000 borrowed at 4.75% APR.