Yes. HHCU membership is required to take out any loan. But joining is easy and costs just $5 to open a savings account. If you're not already a member, you can become one as part of the loan application process. Membership is open to those who qualify.

Absolutely. If you're currently paying a high rate elsewhere, refinancing with HHCU could lower your monthly payment and reduce the total interest you pay. Just apply and we'll review your existing loan details to see what we can offer. Many members save significantly by switching.

Our auto loans are open to members across a range of credit profiles. Your rate and terms will be based on your credit history, loan-to-value ratio, and loan term. The advertised "as low as" rates apply to well-qualified applicants. We encourage you to apply and let our loan officers find the best option for your situation.

Loan decisions are made locally by our Houston team, which means we can typically get you an answer quickly, often within 1-2 business days for complete applications. More complex situations may take a bit longer, and a loan officer will keep you updated throughout the process.