Houston Texas Fire Fighters Federal Credit Union - Loan Rates

Last Updated:

Secured Loans
(including: vehicles, boats, equipment, computers, motorcycles, jet skis, campers, appliances, furniture, travel trailers and motor homes.
Loan Type Term in Months Fixed Rate APR*
  1-24 1.75% - 8.00%
  25-36 1.90% - 8.50%
  37-48 2.15% - 8.75%
  49-60 2.25% - 9.50%
  61-72 2.75% - 10.00%
Values > $45,000 73-84 4.00% - 11.25%
Values > $65,000 85-120 4.50% - 13.25%
Values > $75,000 121-180 5.00% - 13.25%
Share Secured Loan N/A 3.25%
Term Share Certificate Loan N/A 2.00% above highest variable

*APR = Annual Percentage Rate. To receive the lowest rate within each range above requires a FICO 08 score of 700 or higher. See a loan officer for specific details.

Unsecured Loans
Loan Type Term in Months Fixed Rate APR*
Co-Maker Loans 36 5.90%
Line of Credit Revolving 9.50% - 13.50%
Signature Loan 1-36 8.50% - 16.50%
Signature Loan (if homeowner) 37-60 10.50% - 14.50%
Signature Loan (if homeowner) 61-84 12.50% - 16.50%
Education Loan
(note: this loan will be discontinued effective 10/1/14)
Revolving 6.65% - 8.65%

APR = Annual Percentage Rate. All rates are subject to change without notice. Some restrictions apply.

Education Loans: Students are required to provide proof of enrollment. Applicants must have a FICO 08 score of at least 600 to qualify. For an $8,500 Education Loan the monthly payment will be $170 (or 2% of the current balance). All loans are subject to credit approval. Students may only have 1 Education Loan with the credit union at a time. Payments equal to 2% of unpaid balance are computed on the end-of-month statement cycle date.