Credit union · NCUA insured
Houston Police Credit Union Credit Card Rates
Top CarrotHouston Police Credit Union credit cards start at 7.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Houston Police Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where Houston Police Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Houston Police Credit Union
7.99%APR
- Annual fee
- $35
Platinum Rewards MasterCard
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
Houston Police Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR7.99%
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 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.
Classic MasterCard
Maximum unsecured limit of $40,000.00 per membership, including all other unsecured debts with Houston Police Credit Union. 25-day grace period on all purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% APR intro rate for 6 months on purchases and balance transfers valid for new cardholders only. After intro rate expires, standard rate applies. |
| Ongoing | 12.50% | None | Standard revolving rate based on creditworthiness. Rates starting at 12.50% APR. |
Gold MasterCard
Maximum unsecured limit of $40,000.00 per membership, including all other unsecured debts with Houston Police Credit Union. 25-day grace period on all purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% APR intro rate for 6 months on purchases and balance transfers valid for new cardholders only. After intro rate expires, standard rate applies. |
| Ongoing | 9.99% | None | Standard revolving rate based on creditworthiness. Rates starting at 9.99% APR. |
Platinum MasterCard
Maximum unsecured limit of $40,000.00 per membership, including all other unsecured debts with Houston Police Credit Union. 25-day grace period on all purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% APR intro rate for 6 months on purchases and balance transfers valid for new cardholders only. After intro rate expires, standard rate applies. |
| Ongoing | 7.99% | None | Standard revolving rate based on creditworthiness. Rates starting at 7.99% APR. |
Platinum Rewards MasterCard
Maximum unsecured limit of $40,000.00 per membership, including all other unsecured debts with Houston Police Credit Union. 25-day grace period on all purchases. Subject to an annual fee of $35.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | $35 | 0% APR intro rate for 6 months on purchases and balance transfers valid for new cardholders only. After the intro rate expires, the standard rate will be between 7.99% and 18.00% APR based on creditworthiness. |
| Ongoing | 7.99% | $35 | Standard revolving rate based on creditworthiness. Rates starting at 7.99% APR. Standard rate will be between 7.99% and 18.00% APR. |
Secured MasterCard
Credit limit is based on funds on deposit in savings account or Share Certificate. Member's balance in savings must exceed credit card limit by $100.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% APR intro rate for 6 months on purchases and balance transfers valid for new cardholders only. After the intro rate expires, the standard rate will be between 7.99% and 18.00% APR based on creditworthiness. |
| Ongoing | 16.00% | None | Standard revolving rate based on creditworthiness. Rates starting at 16.00% APR. |
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.