Credit union · NCUA insured
Houston Police Credit Union Auto Loan Rates
Top CarrotHouston Police Credit Union auto loans start at 4.99% APR for a new vehicle and 8.99% for a used one. Rates checked October 16, 2026.
How Houston Police Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Houston Police Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Houston Police Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Auto Loans
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Houston Police Credit Union auto loan score
76
Auto loan score
Higher than 41% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed8.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Houston Police Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto & Motorcycle - New and Pre-Owned Auto and Motorcycle
Includes demonstration/program, refinanced, luxury/exotic, classic and repossessed vehicles and police-equipped and recreational motorcycles. Salvaged titled autos may be financed on a case-by-case basis. Auto or motorcycle currently financed with Houston Police Credit Union do not qualify for this rate. APR is fixed.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Qualifying model years: 2020 or newer. APR is fixed. |
| 61–72 months | 5.24% | Qualifying model years: 2023 or newer. APR is fixed. |
| 73–84 months | 5.79% | Qualifying model years: 2023 or newer. APR is fixed. |
Sources (1)
- hpcu.coop/rates · captured Oct 6, 2026
Auto Loans
No annual fees or pre-payment penalties. Flexible terms up to 84 months based on model year. Financing up to 135% of vehicle value for qualified borrowers. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | As low as APR for 0 - 60 months. Qualifying model years: 2020 or newer. APR is fixed. |
Older Model Auto - Pre-Owned Auto
Qualifying model years 2019 or older. Includes refinanced and repossessed auto. Salvaged titled auto may be financed on a case-by-case basis. APR is fixed.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.49% | Qualifying model years: 2019 or older. APR is fixed. |
| — | 8.99% | Internal Refinance. Qualifying model years: 2019 or older. APR is fixed. |
Sources (1)
- hpcu.coop/rates · captured Oct 6, 2026
Refinance Existing Houston Police Credit Union Auto & Motorcycle - New and Pre-Owned Auto and Motorcycle
Includes demonstration/program, refinanced, luxury/exotic, classic and repossessed vehicles and police-equipped and recreational motorcycles. Salvaged titled autos may be financed on a case-by-case basis. APR is fixed.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | Qualifying model years: 2020 or newer. APR is fixed. |
| 61–72 months | 5.74% | Qualifying model years: 2023 or newer. APR is fixed. |
| 73–84 months | 6.29% | Qualifying model years: 2023 or newer. APR is fixed. |
Sources (1)
- hpcu.coop/rates · captured Oct 6, 2026
Who can join Houston Police Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Active or retired Law Enforcement civilian employees within the Houston Metropolitan Statistical Area are eligible to join.
- Active or retired Law Enforcement Officers within the Houston Metropolitan Statistical Area are eligible to join.
Family and household
- Family members (including spouse, children, daughter/son-in-law, siblings, parents, mother/father-in-law, grandparents, grandchildren, great grandchildren, and legal dependents) of eligible Law Enforcement and civilian employees are eligible to join.
- Surviving spouses of deceased Law Enforcement Officers or civilian employees within the Houston Metropolitan Statistical Area are eligible to join.
Cost to join
- A minimum opening deposit of $5 is required to join the credit union.
Membership information collected October 5, 2026.