Share Secured Loans

All that money you've saved can work for you in unexpected ways.


Your savings balance can be the ticket to an affordable loan

Why open a savings account, Money Market or Certificate? In most cases, the goal is to build financial security. But there's a second big benefit - your account balance can serve as collateral for a no-strings-attached personal loan. You can use the cash for anything from repairs to purchases to exciting experiences for your family. And as you make on-time payments to HFCU, you're likely to boost your credit score.

  • Competitive interest rates that are lower than those for most unsecured loans
  • Specific rates depend on whether you use your savings, Money Market or Certificate deposits as collateral
  • Funds may be used for any purpose
  • Get the cash you need without dipping into your hard-earned savings
  • Arrange for convenient automatic payments through Online or Mobile Banking




















































































*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. Terms and conditions may apply and rates are subject to change without notice. Talk to a loan officer for details at (281) 243-0500 or toll-free at 1-(866) OUR-HFCU (687-4328). Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit in order to become a member and obtain any product or service.

Houston Federal Credit Union is a full-service financial institution serving Greater Houston, Texas, with branches in Sugar Land, Houston, Rosenberg and Missouri City, as well as Greenville, South Carolina.