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Credit union · NCUA insured

Houston Texas Fire Fighters Federal Credit Union Auto Loan Rates

Top Carrot, Carrot Score 88Top Carrot

Houston Texas Fire Fighters Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.

How Houston Texas Fire Fighters Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Houston, TX, where Houston Texas Fire Fighters Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • Top Carrot, Carrot Score 88

    This credit union’s lowest

    Houston Texas Fire Fighters Federal Credit Union

    4.50%APR

    Terms
    49–84 months
    Up to
    11.50% APR
    Discount
    None included

    Vehicle Loans

  • Top Carrot, Carrot Score 94

    Lowest rate

    Lubrizol Employees' Credit Union

    3.24%APR

    Terms
    24–60 months
    Up to
    14.49% APR
    Discount
    Included in the rate

    Lubrizol Employees' Credit Union rates

  • Top Carrot, Carrot Score 89

    2nd-lowest rate

    CommonCents CU

    3.50%APR

    Terms
    —
    Up to
    —
    Discount
    None included

    CommonCents CU rates

Compare auto loan rates near you →

Houston Texas Fire Fighters Federal Credit Union auto loan score

89

Auto loan score

Higher than 86% of U.S. banks and credit unions

By vehicle
  • New vehicleNew4.50%
  • Used vehicleUsed4.50%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Houston Texas Fire Fighters Federal 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.

Who can join Houston Texas Fire Fighters Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees of Houston Firefighters' Relief And Retirement Fund are eligible for membership.
  • Employees of Houston Texas Fire Fighters Federal Credit Union are eligible for membership.

Military, government and schools

  • Uniformed Houston Fire Department Firefighters are eligible for membership.

Family and household

  • Eligible relatives (spouse, parents, children, stepchildren, grandchildren, brothers, sisters, grandparents) of eligible firefighters, employees, or members age 18 and over in good standing are eligible to join.

Cost to join

  • Opening membership requires opening a savings account and depositing a minimum of $5.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Houston Texas Fire Fighters Federal Credit Union overview