Set Sail for Savings!

No Payments Through the Holidays!

Plus, get up to .75% off your auto loan rate!

Ready to upgrade your ride or refinance your current auto loan? Then October is the month to make your move, matey!

When you close a new, used, or refinanced auto loan with Harris County Federal Credit Union between October 1–October 31, 2026, you can take advantage of these treasure-worthy savings:

Here’s What’s in the Treasure Chest:

• Rates as low as 4.24% APR*
• Up to .75% rate relationship discount*
  • Add Payment Protection and receive a .25% rate reduction for Credit Life, Extended Warranty, or Credit Disability.
  • Establish an HCFCU share draft account with direct deposit and e-statements and receive a .25% rate reduction.
  • HCFCU credit card holders receive a .25% rate reduction.
• No payments for 90 days** close your auto loan in October and keep your treasure in your pocket through the holidays!

Don’t let this opportunity sail away!

Start Your Application Here

Offer ends October 31, 2026!

Promotional Disclosures:

*APR is Annual Percentage Rate. Rates are based on your credit history, loan term, collateral, and down payment. Certain credit criteria apply. Other restrictions may apply. Rate discounts are given based on the credit score of 680+, shorter loan terms, down payments, and relationships. Rates are subject to change without notice. Talk to a loan officer for details.

**Interest will accrue during the 90-day period. First payment will be due approximately 90 days after loan closing.

Not all auto loans qualify for eSign. Ask your loan officer for details.

HCFCU does not refinance our existing loans.

The credit union lobby and drive-thru will be closed on Monday, September 7th in observation of Labor Day.  Normal business hours will resume on Tuesday, September 8th. We encourage members to access account information and services using our convenient online options during this time. 

Important Notice: TruStage Cybersecurity Incident

We want to share an update regarding TruStage, one of our insurance and financial services partners, and its ongoing recovery from a recent cybersecurity attack that significantly impacted its critical technology infrastructure. TruStage has shared that it continues to make progress through its business continuity efforts.

A comprehensive investigation into the incident is ongoing and may take time to complete. At this time, the full impact or scope of the cybersecurity incident, including whether or what member, customer, or policyholder information may have been affected is not known. We will continue to monitor the situation and share updates as they become available.

Although TruStage has not confirmed that a data breach occurred, the security of your personal information remains a top priority. We encourage you to take these general precautions to help protect your personal information:

• Monitor your account statements and credit reports for any activity you do not recognize.
• Use strong, unique passwords for each of your online accounts.
• Turn on multifactor authentication whenever it is offered.
• Use caution with unexpected emails, phone calls, or text messages that request personal or financial information.
• Consider placing a fraud alert or credit freeze with the major credit bureaus if you believe sensitive information may have been exposed.
• Report any suspicious activity promptly to the company involved and to the appropriate consumer protection resources.

TruStage provides loan payment protection and other insurance related products to Harris County Federal Credit Union members. They have shared that their top priorities are honoring commitments and addressing the most pressing needs of partners, members, customers, and the people it insures. Progress has been made in areas such as claims reporting, expanded phone support, and lending-related payment processes. Some areas may take longer to fully restore because they involve more system dependencies to reconnect before normal operations can safely resume.

We understand that service disruptions can be frustrating, especially when you need help with a claim, policy, payment, or other financial matter. Please know that we are staying closely connected with TruStage and will continue to share updates as we receive approved information.

At this time, please continue using the support channels provided below for your specific product or need. If any additional action is needed, we will share approved guidance with you.

If you need assistance, please call 844.958.8910 or visit www.trustage.com/outage/individual. If your question requires information from TruStage, we will help route it through the appropriate support process.

Thank you for your patience and understanding. We remain committed to supporting you and helping to ensure you have access to the information and assistance you need.