Houston Federal Credit Union

Couple in Car Smiling at Each Other

Financing you trust with savings you will love

Finance or refinance your new or used vehicle with rates starting as low as 4.50% APR*

Auto Loans

*APR is Annual Percentage Rate. Certain terms and conditions apply.
Couple with baby holding roses in their home

Love where you live with HFCU Mortgage 

Providing affordable home loans with heart.

Mortgage Loans  View Rates and Apply
Woman leaning against her broken down car smiling while speaking on her phone

Get 360 Secure Checking - Roadside Assistance

Primary and joint account holders can experience checking with value-added benefits that have their financial and personal well-being in mind.

Learn More
Diverse Group of People in Huddle

Join us for HFCU’s 2025 Annual Meeting

HFCU Members are Invited to Attend on Wednesday, February 26 at 5:30 p.m. CT / 6:30 p.m. ET

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.

man in wheelchair using a laptop
phone icon illustration
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.

Woman relaxing in the living room with a laptop
Man smiling in new car
Person repairing a bike
Two men in casual conversation in kitchen
A couple with a dog relaxing on a couch
Karina has helped me time and time again with such grace, encouragement, and a beautiful smile. I literally look for her the minute I walk in.
Beth C.

Erica provided exceptional service, answered all of our questions, and was very patient with us. We definitely recommend her and the Sienna location for banking services! 
Magdalena C.

Chrystal at the Greenville branch is an angel. She went out of her way to assist me with Mortgage documents. I will do all of my dealings with her going forward. 
Margaret C.

We saved our members a total of $314,508.43 in the month of January by refinancing their loans with HFCU!
Newsweek - America's Best Credit Union Logo


thumbs up icon illustration
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!

coworkers in happy conversation

Empower your financial journey

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


Mature woman using mobile phone
ELEVATE Financial Wellness
Free online financial education.
Person with coffee at computer desk
Financial Counseling
Free & tailored advice for HFCU members.
Person using mobile phone as calculator
Financial Calculators
Handy tools to help plan.
Man carrying a briefcase
Person using credit/debit card for payment
Same-sex couple smiling at coffee shop
star icon illustration
Become a Member
Young couple using debit/credit card online
Man carrying a briefcase
Person paying using a debit/credit card
Same-sex couple smiling at coffee shop
Young couple using debit/credit card online
Mature man with mobile phone and debit/credit card
Man with grandson smiling
Businesswoman writing on a whiteboard
Two young woman using a laptop
Mature man with mobile phone and debit/credit card
Man with grandson smiling
Businesswoman writing on a whiteboard
Two young woman using a laptop

Experience the HFCU difference

At Houston Federal Credit Union, we’re here to help you achieve your financial goals.
Star icon illustration
Lower fees, competitive rates, and incredible member perks
Team icon illustration
Community-focused approach
comment with star icon illustration
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.
2
Intuit TurboTax and H&R Block Logos

Members can Save More this Tax Season!

Man purchasing flower bouquet in shop

Earn Cash Back with a Visa® Rewards Credit Card

Need Access? Download HFCU'smobile app!


HFCU QR Code