Houston Credit Union

Sugar Land, Texas
Last verified: August 4, 2026
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Verified rate book

Current Houston Credit Union rates

52 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

6 offers
Houston Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Mortgageother4.875% APR4.875%—Standard
Mortgage Loan Rates (10 Year)other4.875% APR4.875%—Standard
Mortgage Loan Rates (15 Year)other5.125% APR5.125%—Standard
Mortgage Loan Rates (20 Year)other5.750% APR5.750%—Standard
Mortgage Loan Rates (30 Year)other5.875% APR5.875%—Standard
Lot Loans (36 Month Max Term)other5.990% APR5.990%—Standard

Auto & vehicle rates

16 offers
Houston Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Up to 36-Month New Auto Loanauto_new_36mo4.250% APR4.250%36 mo · newStandard
Up to 36-Month Used Auto Loanauto_used_36mo4.250% APR4.250%36 mo · usedStandard
New & Used Autoauto_any4.250% APR4.250%anyStandard
Used Automobile Loan Rates (37 – 48 Months)auto_used_48mo4.500% APR4.500%48 mo · usedStandard
New Automobile Loan Rates (37 – 48 Months)auto_new_48mo4.500% APR4.500%48 mo · newStandard
Used Automobile Loan Rates (49 – 60 Months)auto_used_60mo4.950% APR4.950%60 mo · usedStandard
New Automobile Loan Rates (49 – 60 Months)auto_new_60mo4.950% APR4.950%60 mo · newStandard
New Automobile Loan Rates (61 – 72 Months)auto_new_72mo5.750% APR5.750%72 mo · newStandard
Used Automobile Loan Rates (61 – 72 Months)auto_used_72mo5.750% APR5.750%72 mo · usedStandard
New Automobile Loan Rates (73 – 84 Months)auto_new_84mo6.250% APR6.250%84 mo · newStandard
Used Automobile Loan Rates (73 – 84 Months)auto_used_84mo6.250% APR6.250%84 mo · usedStandard
Motorhomes, RVs and Travel Trailers (Up to 60 Months)rv_any_60mo7.500% APR7.500%60 moStandard
Motorhomes, RVs and Travel Trailers (Up to 72 Months)rv_any_72mo7.950% APR7.950%72 moStandard
Motorhomes, RVs and Travel Trailers (Up to 120 Months)rv_any_120mo8.750% APR8.750%120 moStandard
Motorhomes, RVs and Travel Trailers (Up to 180 Months)rv_any_180mo9.250% APR9.250%180 moStandard
Motorhomes, RVs and Travel Trailers (Up to 144 Months)rv_any_144mo9.250% APR9.250%144 moStandard

HELOC rates

1 offer
Houston Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
South Carolina HELOCheloc_variable6.750% APR6.750%—Standard

Personal loan rates

5 offers
Houston Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Improvement Loans (60 Months)personal_unsecured_60mo5.990% APR5.990%60 moStandard
Home Improvement Loans (120 Months)personal_unsecured_120mo6.990% APR6.990%120 moStandard
Home Improvement Loans (180 Months)personal_unsecured_180mo7.490% APR7.490%180 moStandard
Up to 18-Month Personal Loanpersonal_unsecured_18mo9.500% APR9.500%18 moStandard
Signature Loans (0 – 72 months)personal_unsecured_72mo10.500% APR10.500%72 moStandard

Credit card rates

5 offers
Houston Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Credit Cardcredit_card6.750% APR6.750%—Standard
Visa® Advantage Securedcredit_card_secured8.740% APR8.740%—Standard
Visa® Platinum Advantagecredit_card_platinum8.740% APR8.740%—Standard
Visa® Business Platinumcredit_card_business8.740% APR8.740%—Standard
Visa® Platinum Rewardscredit_card_rewards9.740% APR9.740%—Standard

Savings & CD rates

11 offers
Houston Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Money Marketmoney_market1.45% APY1.45%—Standard
7 Day up to 91 Daysavings1.94% APY1.94%—Standard
18 Month to 23 Monthcd_23mo3.50% APY3.50%23 moStandard
24 Month to 29 Monthcd_29mo3.55% APY3.55%29 moStandard
30 Month to 35 Monthcd_35mo3.60% APY3.60%35 moStandard
36 Month to 47 Monthcd_47mo3.65% APY3.65%47 moStandard
6 Month to 11 Monthcd_11mo3.70% APY3.70%11 moStandard
48 Month to 59 Monthcd_59mo3.70% APY3.70%59 moStandard
12 Month to 17 Monthcd_17mo3.75% APY3.75%17 moStandard
60-Month Certificatecd_60mo3.80% APY3.80%60 moStandard
Certificatecd3.85% APY3.85%—Standard

Other rates

8 offers
Houston Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Other Secured (Up to 36 Months)other6.250% %6.250%—Standard
60 Month Balloonother6.250% %6.250%—Standard
Other Secured (37 – 48 Months)other6.500% %6.500%—Standard
APR – Variable Rate as low asother6.750% %6.750%—Standard
Other Secured (49 – 60 Months)other6.950% %6.950%—Standard
144 Month Fixedother7.750% %7.750%—Standard
Other Secured (61 – 72 Months)other7.750% %7.750%—Standard
Other Secured (73 – 84 Months)other8.250% %8.250%—Standard

As of August 4, 2026, Houston Credit Union offers mortgage rates from 4.875% APR. Vehicle loans available from 4.25% APR for 36 months. HELOC rates from 6.75% APR. Personal loan rates from 5.99% APR. Credit card rates from 6.75% APR. Savings and certificate yields up to 3.85% APY.

Source: RateAPI.dev, verified from Houston Credit Union's official website

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About Houston Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
60.1K
Assets
$961.8M
Founded
1960
Locations reported
12
NCUA charter
14091
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Brazos Valley SchoolsBrazos Valley Schools CU · Sugar Land · TX · 77479Branch in the same ZIPFirst ServiceUniversity Branch · Sugar Land · TX · 77479Branch in the same ZIPIla 1351Houston Federal Credit Union · Sugar Land · TX · 77479-4097Branch in the same ZIPMembersourceSugar Land · Sugar Land · TX · 77479-2587Branch in the same ZIPPrimewaySugar Land · Sugar Land · TX · 77479-5470Branch in the same ZIPFirst CommunitySugar Land · Sugar Land · TX · 77478-4408About 4.0 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Houston Credit Union

Membership eligibility from Houston Credit Union's own published criteria. How we verify this.

Membership criteria are published on Houston Credit Union's website. Check the membership page below to confirm whether you qualify.

  • LocationTX

Cost to join: About $5.

Verified from Houston Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Houston Credit Union?

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Frequently Asked Questions

What rates does Houston Credit Union offer?

Houston Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Houston Credit Union rates updated?

RateAPI verifies Houston Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Houston Credit Union's rate data?

Rate data is collected directly from Houston Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Houston Credit Union's mortgage rate?

As of August 4, 2026, Houston Credit Union offers mortgage rates from 4.875% APR.

What are Houston Credit Union's auto & rv loan rates?

As of August 4, 2026, Houston Credit Union offers vehicle loans from 4.25% APR.

What is Houston Credit Union's HELOC rate?

As of August 4, 2026, Houston Credit Union offers home equity lines of credit from 6.75% APR.

What is Houston Credit Union's personal loan rate?

As of August 4, 2026, Houston Credit Union offers personal loans from 5.99% APR.

What is Houston Credit Union's best CD rate?

As of August 4, 2026, Houston Credit Union offers savings and certificate (CD) yields up to 3.85% APY.

Related Rate Data

Compare Houston Credit Union's rates against national credit-union benchmarks.

More Texas credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Houston Credit Union
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  -H "Authorization: Bearer YOUR_API_KEY"
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