Credit union · NCUA insured
Houston Federal Credit Union Credit Card Rates
Top CarrotHouston Federal Credit Union credit cards start at 7.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Houston Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where Houston Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
- Up to
- —
Visa® Platinum Prime Lock
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
- Up to
- —
3rd-lowest rate
Gulf Coast Educators Federal Credit Union
7.24%APR
- Annual fee
- None
- Up to
- 17.24% APR
Houston Federal Credit Union credit card score
92
Credit card score
Higher than 94% of U.S. banks and credit unions
- Purchase APRPurchase APR7.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Houston 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.
Visa® Advantage Secured
Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit. Card is secured with deposits in an HFCU Regular Savings account; credit limit based on deposit balances.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.99% | None | Fixed introductory APR for 6 months (first six billing cycles); offered to first-time credit card applicants only. Applies to purchases, balance transfers, and cash advances. |
| Ongoing | 8.99%–18.00% | None | Ongoing variable APR based on Prime Rate plus a margin ranging from 1.99% to 12.99% based on credit standing. Applies to purchases, balance transfers, and cash advances. |
Sources (3)
- houstonfcu.org/credit-card-disclosures
- houstonfcu.org/credit/visa-advantage-secured
- houstonfcu.org/resources/current-rates
All captured Oct 6, 2026
Visa® Platinum Advantage
Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.99% | None | Fixed introductory APR for 6 months (first six billing cycles); offered to first-time credit card applicants only. Applies to purchases, balance transfers, and cash advances. |
| Ongoing | 8.99%–18.00% | None | Ongoing variable APR based on Prime Rate plus a margin ranging from 1.99% to 12.99% based on credit standing. Applies to purchases, balance transfers, and cash advances. |
Sources (3)
- houstonfcu.org/credit-card-disclosures
- houstonfcu.org/credit/visa-platinum-advantage
- houstonfcu.org/resources/current-rates
All captured Oct 6, 2026
Visa® Platinum Family
Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit. Separate card available for family members ages 13 and up.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.99% | None | Fixed introductory APR for 6 months (first six billing cycles); offered to first-time credit card applicants only. Applies to purchases, balance transfers, and cash advances. |
| Ongoing | 8.99%–18.00% | None | Ongoing variable APR based on Prime Rate plus a margin ranging from 1.99% to 12.99% based on credit standing. Applies to purchases, balance transfers, and cash advances. |
Sources (3)
- houstonfcu.org/credit-card-disclosures
- houstonfcu.org/credit/visa-platinum-family
- houstonfcu.org/resources/current-rates
All captured Oct 6, 2026
Visa® Platinum Prime Lock
Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit. Available to highly qualified members.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.99% | $50 | Fixed introductory APR for 6 months (first six billing cycles); offered to first-time credit card applicants only. Applies to purchases, balance transfers, and cash advances. |
| Ongoing | 7.00% | $50 | Ongoing variable APR equal to the Prime Rate without added margins. Applies to purchases, balance transfers, and cash advances. |
Sources (3)
- houstonfcu.org/credit-card-disclosures
- houstonfcu.org/credit/visa-prime-lock
- houstonfcu.org/resources/current-rates
All captured Oct 6, 2026
Visa® Platinum Rewards
Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.99% | None | Fixed introductory APR for 6 months (first six billing cycles); offered to first-time credit card applicants only. Applies to purchases, balance transfers, and cash advances. |
| Ongoing | 9.99%–18.00% | None | Ongoing variable APR based on Prime Rate plus a margin ranging from 2.99% to 12.99% based on credit standing. Applies to purchases, balance transfers, and cash advances. |
Sources (3)
- houstonfcu.org/credit-card-disclosures
- houstonfcu.org/credit/visa-platinum-rewards
- houstonfcu.org/resources/current-rates
All captured Oct 6, 2026
Who can join Houston 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
- Individuals who live, work, worship, or attend school in Houston, Texas, or certain other communities are eligible for membership.
Employers and groups
- Members of a handful of not-for-profit groups (associational SEG organizations) that align with credit union values are eligible for membership.
- Employees of one of dozens of member companies (Select Employee Groups) are eligible for membership.
Family and household
- Immediate family members (including spouse, children, parents, grandparents, grandchildren, siblings, stepparents, stepsisters/brothers, adopted children) or household members of an HFCU member are eligible for membership.
Cost to join
- Opening a share savings account with a minimum $5 deposit is required to establish membership and obtain products or services.
Membership information collected October 5, 2026.