Rates

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    Loan Rates

    Auto (Collateral) Loans

    Type of AccountTerms of LoanAnnual Percentage Rate
    New Vehicle Loan24 - 72+ Months4.99% - 18.00%
    Used Vehicle Loan24 - 72+ Months4.99% - 18.00%
    Refinanced Vehicle24 - 72+ Months4.99% - 18.00%
    Recreational Vehicle
    (from another lender)    		24 - 72+ Months4.99% - 18.00%
    MotorcyclesUp to 72+ Months4.99% - 18.00%
    BoatsUp to 72+ Months4.99% - 18.00%

    Credit Cards

    Type of AccountTerms of LoanAnnual Percentage Rate
    Mastercard Classic24 - 72+ Months11.99%
    Mastercard Platinum24 - 72+ Months9.99%

    Secured/Unsecured Loans

    Type of AccountTerms of LoanAnnual Percentage Rates
    Shares Secured LoansUp to 72+ Months3.50% - 7.50%
    Secured By CDUp to 72+ Months4.50% - 8.50%
    Unsecured Signature LoanUp to 72+ Months7.99% - 17.99%

    Credit Builder Step-Up Loan Process

    Minimum PaymentRatePaymentAmount
    STEP 18 Months6.00%($86.07)$1,000.00
    STEP 28 Months5.50%($116.01)$2,000.00
    STEP 38 Months5.00%($131.161)$3,000.00
    STEP 48 Months4.50%($141.62)$4,000.00
    STEP 58 Months4.00%($147.62)$5,000.00

    Credit Builder Single Loan

    Rates vary.

    Contact us to learn more about your Credit Builder

    Service/Loyalty Discount

    10% down payment (may not be combine w/20%)0.10%
    20% down payment (may not be combined w/ 10%)0.25%
    HHCU Member for 5+ Years0.20%
    HHCU Member for 10+ Years0.35%
    HHCU Member for 15+ Years0.50%

    Maximum discount may not exceed 0.50%. Offer may be used on Collateral loans only. May not be combined with other promotions.

    *APR = Annual Percentage Rate.

    Rates effective November 1, 2025. Rates subject to change.

    Rates shown include Service & Loyalty discounts of up to 0.50%APR.

    Please see Service & Loyalty Discounts for more information.

    Deposit Rates

    Current Account Rates

    Type of AccountCurrent APY*
    Checking Account0.00%
    Saving Account0.10%
    IRA Deposit0.05%
    Christmas Club0.01%

    Money Market Rates

    Account TotalCurrent APY*
    $0.00 - $2,499.990.01%
    $2,500.00 - $24,999.991.05%
    $25,000.00 - $74,999.991.76%
    $75,000.00+2.32%

    Share Certificate Rates

    >=$1K6 Months12 Months15 Months18 Months24 Months36 Months
    APR2.00%3.45%3.25%3.05%2.85%2.45%
    APY2.02%3.49%3.29%3.09%2.88%2.47%
    >=$10K6 Months12 Months15 Months18 Months24 Months36 Months
    APR2.00%3.45%3.25%3.05%2.85%2.45%
    APY2.02%3.49%3.29%3.09%2.88%2.47%
    >=$50K6 Months12 Months15 Months18 Months24 Months36 Months
    APR2.00%3.45%3.25%3.05%2.85%2.45%
    APY2.02%3.49%3.29%3.09%2.88%2.47%
    >=$95K6 Months12 Months15 Months18 Months24 Months36 Months
    APR2.00%3.45%3.25%3.05%2.85%2.45%
    APY2.02%3.49%3.29%3.09%2.88%2.47%

    Certificates of Deposit (CD)

    Term LengthAPY (Annual Percentage Yield)Minimum Deposit
    6 Months2.02%$1,000
    12 Months3.09%$1,000
    24 Months2.88%$1,000
    36 Months2.47%$1,000
    60 MonthsX.XX%$1,000

    IRA Certificates

    >=$10K12 Months24 Months36 Months
    APR3.45%2.85%2.45%
    APY3.49%2.88%2.47%
    >=$50K12 Months24 Months36 Months
    APR3.45%2.85%2.45%
    APY3.49%2.88%2.47%
    >=$95K12 Months24 Months36 Months
    APR3.45%2.85%2.45%
    APY3.49%2.88%2.47%

    Schedule of Fees

    Monthly Membership Fee

    No membership fees

    Share Draft/Checking Account Fees

    Overdraft (Transfer)$6.00Per Item
    Member Overdraft Privilege $36.00Per Item
    NSF / Returned Item$36.00Per Item
    Stop Payment$36.00Per Item
    Check Copy$10.00Per Item
    Check PrintingPrices may vary depending upon style
    Temporary Checks $5.00Per Item
    Shared Branch Transaction Fee$5.00Per Item
    10 Day Negative Balance Collection Letter$25.00Per Letter

    Other Service Fees (applicable to all accounts)

    Deposited Item Return$36.00Per Item
    Account Reconciliation$25.00Per Hour
    Gift Card ($50.00 - $1,000.00)$5.00Per Card
    Statement Copy
    (1st Month of Requested Statement Copies is Free)    		$5.00Per Month (1st Month FREE)
    Wire Transfer (Outgoing)$30.00Per Transfer
    International Wire Transfer (Outgoing)
    3:00 PM Cut-Off Time For All Wire Transfers    		$60.00Per Transfer
    Wire Transfer (Incoming)$5.00Per Transfer
    Cash Advance Processing$15.00Per Item
    Legal / Collection Processing Fee$100.00Per Item
    Returned Mail Processing Fee$10.00Per Item
    Cashier's Check$3.00Per Item
    Money Order$2.00Per Item
    Teller Check (Payable to Third Party) $2.00Per item
    Photo Copy per page$1.00Per Item
    Fax$1.00Per Page
    Dormant Account$5.00After 1 Year
    Check Cashing Fee2.00%By Amount
    HHCU Member Transaction at Other CU$5.00Per Transaction
    Escheat Mailing Fee $5.00Per Mailing
    Jumbo Account Service Fee (accounts greater than $250,0) $25.00Per Month
    Special Mailing Request (FedEx, UPS, etc.) $65.00Per Mailing
    Verification of Deposit$25.00Per Request

    Electronic Funds Transfer Fees

    Additional Cards Issued$10.00Per Card
    Nonproprietary ATM Withdrawal / Transfer $2.00Per Transaction
    Debit Card Reactivation Fee$25.00Per Card

    Safe Deposit Box Fees (by rental size)

    3 x 5$40.00Per Year
    3 x 10$50.00Per Year
    5 x 10$75.00Per Year
    Lost Key$100.00Per Year
    Drilling of Box$200.00Per Year

    Share Value

    Par Value of One Share$5.00

    Effective November 1, 2025

    The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Effective Date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

    Choose Houston Highway Credit Union

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    Phone: 713-864-4438 or
    1-800-354-3541
    Fax: 713-864-1714

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    Houston Highway Credit Union
    8120 Washington Avenue
    Houston, TX 77007

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