Harris County Federal Credit Union

Sweet ride, sweet treats and sweet rates as low as 3% APR**.

Get an auto loan* from HCFCU this September and choose your treat...

.5% Rate Reduction
No Payments for 90 Days
A Free GAP Insurance Policy
Plus take $200 off the purchase of an extended warranty!

Sweet ride, sweet treats and sweet rates
as low as 3% APR**.

Click here to view our most current loan rates. Estimate your payments with our loan calculator.

Contact a loan officer today!
or
Apply online now!

*Does not include refinances of existing HCFCU auto loans. **APR= Annual Percentage Rate.
Rate subject to change without notice.

Do More This Summer With Your HCFCU Credit Card!

From June 1 through August 31, 2010 all purchases on your Harris County Federal Credit Union Credit Card will qualify for these additional savings. We are significantly lowering your credit card APR for this limited time – a rate that lasts through March of 2011.

5.9% APR* on all your summer credit card purchases

Don’t have an HCFCU credit card? Click here for more information and to apply.

*Important Information about this offer: Payments will be applied first to any finance charges/interest and other fees due and then to the unpaid principal balance with the highest APRs. Late payment may cause your APR to revert to the APR previously disclosed in your credit card agreement prior to the end of the promotional period. Cash advances and balance transfers are excluded from the promotional APR. Your APR will revert back to the standard purchase APR disclosed in your Credit Card Agreement at the end of the promotional period. Not all cardholders will qualify for this rate. Qualified cardholders have been notified by mail.

Recently, Federal Regulators have made changes to the way credit unions handle overdraft services that requires your immediate attention. The following information should be helpful as you consider your options.

Why is this valuable to me? Perhaps you have been in a situation where you made a purchase with your debit card and suddenly realized the money you had meant to deposit a few days earlier was still in your wallet. Would the transaction still get approved? Our overdraft services were designed to help cover those ATM and onetime debit card transactions where funds were not available, saving you embarrassment and the hassles associated with a denied transaction. As your financial services partner, we want to be sure you are aware of the available overdraft protection options to help ensure your transactions are processed.

It's easy to get started. Review the Overdraft Services Disclosure for all of the information you will need to make an informed decision on whether overdraft services are right for you. Once you review the materials, simply contact a Member Services Representative or complete the registration form and return it to the credit union. If you have any questions, please feel free to contact us at 713-755-5160.

A Home Equity Loan at HCFCU...
Makes the Most "Cents"!

Now is a great time to take advantage of the extra savings you can get with a home equity loan.

Here's why:

Home Equity loans provide one of the few tax advantages.**
You may be eligible for a federal tax credit* of up to $1,500! If you upgrade to new more energy efficient windows, doors or appliances and more, make sure you get all the credit available.*
Increase the value of your home
Increase your family’s comfort
Save on energy costs

Credit unions are known for giving you rates and terms that are in your best interest...Call the credit union and tell us what you are looking for in an equity loan. We'll work with you to figure out the type of loan that works best for your situation. With your home and the credit union...YOU ARE COVERED!

Ask about our great rates and flexible terms!

Click here to view our most current loan rates.

For questions or to apply contact a loan officer today!

*Find out more on http://www.energystar.gov/index.cfm?c=tax_credits.tx_index
** Consult your tax advisor.

Home Mortgage Loans
Harris County Federal Credit Union has teamed up with CU Members Mortgage to provide HCFCU members with superior quality home financing products.

CU Members Mortgage is a credit union specific lender specializing in offering mortgage programs to credit unions and their members. The staff of CU Members are completely versed in the credit union philosophy of people helping people and are pleased to provide the quality service credit union members have come to expect and deserve.

We want to be your Financial Partner when it comes to mortgage decisions!

Visit the Homeloan CU Mortgage Center

Need to apply for a loan?
Click here.

Introducing a STUDENT MASTERCARD with a
fixed rate of 11.9%

Click here for more info.


Enroll here, if you use your HCFCU Visa card for online purchases	Enroll here, if you use your HCFCU MasterCard for online purchases

Click to purchase discounted tickets