Collateral Loans - Rates ::  Apply

• Great rates on new & used vehicles, boats, RV's, and tractors.
• Refinances from other lenders use the same rate as if it is an original credit union loan.
• Up to 100% financing, depending on credit quality and cost of collateral.
• Up to 84 months, depending on the age of the collateral.
• Book prices available for new or used vehicles - check out the costs on new vehicles and the value of your trade-in before you shop.
• Talk with a loan officer and get a pre-approved vehicle loan before you shop. This will help you know what you can afford to pay for a new or used vehicle. It will also help you get a better deal on your purchase and avoid the financing "hassle" at the dealership.
• Pick up from the credit union a list of certified dealers' representatives that have agreed to sell to our members at a great price with no "hassle". Contact only the representatives indicated at each dealer to be sure you get the best deal.
• HHCU will finance vehicles purchased from any dealer or individual, anywhere in the United States the member lives. If you live out of the Houston area, call a loan officer at 1-800-354-3541, for help in getting your vehicle financed.

1-2-3 Car  |  Enterprise  |  Chrome Carbook

Home Improvement Loans - Rates  ::  Apply

• Maximum liens of 80% of cost or 80% of current appraised value.
• Maximum of 120 months.

Unimproved or Non-Homestead - Rates  ::  Apply

• Maximum of 70% of appraised value or 70% of sales price.
• Maximum of 180 months.

Signature Loans - Rates  ::  Apply

• Made for almost any reason: medical, car repairs, education expenses, etc. - consumer loans.
• Maximum of 48 months, with weekly, bi-weekly, semi-monthly or monthly payments.
• Can be used to consolidate debts.
• All members' loan requests considered.

Shared Secured Loans - Rates :: Apply

• Pledged Shares (Savings) continue to earn interest while securing the loan balance at a lower interest rate than most other loans.
• Maximum of 60 months, with minimum payments of interest due quarterly.
• Pledge up to 100% of Shares.
• If using a certificate of deposit as collateral, the term of the loan cannot exceed the term of the CD.

MasterCard Regular, Gold & Platinum - Rates

• Fixed Interest Rates.
• No Annual Fees.
• Grace Period For Purchases (No Interest Charged If Account Paid In Full Each Month).
• No Transaction Fees For Cash Advances.
• Limits Up To $10,000.00 (Depends On Credit History And Ability To Repay).
• 9.9% & 11.9% Annual Percentage Rate.

GoToMyCard

• Must have a checking account at Houston Highway Credit Union, and maintain a $200.00 balance.
• Use it anywhere the Visa logo is displayed.
• Use it at ATM's where the Cirrus, Pulse or Visa logos are displayed.
• Not a credit card (Money spent on this card comes directly from your checking account).
• No usage fees.
• Overdraft fees apply (Account charged $25.00 for each charge that overdraws the account).

• This insurance protects your family in case of death or disability, by making your credit union loan payments during illness or disability, or paying off the balance in the case of death;
• Both of these insurance coverages are optional. They can be purchased together or separately.
• Certain age or health requirements may affect your purchase ability.
• Premiums are added to the loan each month, and are included in the calculation of payments.
• Lower premiums than with other lenders.

• Cash, check, or money order at HHCU's office or any of the TCUSC offices.
• Check or money order by mail (coupons furnished).
• Payroll deduction.
• Automatic Transfer from HHCU savings or checking accounts.
• ACH debit from a checking account at another financial institution.
• Payments can be arranged to suit the member's paydays (weekly, bi-weekly, semi-monthly, or monthly).