Credit union · NCUA insured
Harris County Federal Credit Union Credit Card Rates
Top CarrotHarris County Federal Credit Union credit cards start at 5.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Harris County Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where Harris County Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
- Up to
- —
Credit Cards
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
- Up to
- —
3rd-lowest rate
Gulf Coast Educators Federal Credit Union
7.24%APR
- Annual fee
- None
- Up to
- 17.24% APR
Harris County Federal Credit Union credit card score
99
Credit card score
Higher than 99% of U.S. banks and credit unions
- Purchase APRPurchase APR5.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Harris County Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Credit Cards
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 5.90% | None | Interest rates starting as low as 5.9% APR. All cards have no annual fee, 25-day grace period on purchases. Relationship Discount reduces rate by .15%. |
Who can join Harris County Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, attends school, or worships in zip codes 77002, 77003, 77004, 77006, 77011, 77020, 77023, or 77026 is eligible to join.
Military, government and schools
- All current and retired employees of Harris County are eligible to join.
Family and household
- Immediate family members of current HCFCU members are eligible to join.
Cost to join
- It takes $5 to open an account.
Membership information collected October 5, 2026.