Houston Federal Credit Union

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Don't Get Haunted 👻by High 🚗 Rates

Rates as low as
4.50% APR*

🎃 Save money with a lower auto loan rate! 👻

Auto Loans

*APR is Annual Percentage Rate. 
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Your 🏡 Payment Shouldn't be Scary 🎃 

Rates as low as
5.250% with a
5.466% APR*

Save money on your mortgage. Low closing costs and no origination point fees.

Mortgage Loans

*APR is Annual Percentage Rate. 
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360 Secure Checking -  Identity Theft Protection

October is cybersecurity awareness month, and HFCU wants you to stay safe. Protect Yourself in an Evolving Digital World.

Learn More
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💵 Rewards so Good, It's Scary

Earn 1.50% cash back rewards with every purchase! Rewards never expire, have no limit, and can be used however you choose. 

Learn More

Rates that work for you

New  & Used Auto


rates as low as
4.50%
Annual Percentage Rate

rates as low as
7.25%
Annual Percentage Rate

rates as low as

5.250%
with a
5.466%

Annual Percentage Rate

yields as high as
3.95%
Annual Percentage Yield

yields as high as
1.55%
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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Staff is always super friendly and helpful. Julia assisted me and was really sweet and patient. 
Grace T.

Chrystal has seen me through all of my transactions, stolen cards. Outstanding service with a personal touch.
Kenneth M.

Merrie is awesome! Thank you so much for your professionalism, hard work, and dedication to your members. 
Deborah J.

We saved our members a total of $92,710.29 in the month of August 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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Cybersecurity Awareness Month 2025: Protect Yourself in an Evolving Digital World

Tips to Identify Online Scammers

Need Access? Download HFCU'smobile app!


HFCU QR Code