Unsecured Loans

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Unsecured Loans

We know everyone has different situations. That's why we offer a variety of loans to meet your needs. Select a loan below to learn more.

The Co-Maker Loan from HTFFFCU is a great loan for people who are just beginning their credit history or are trying to fix any credit problems that they may have had in the past.

This is a signature loan that is co-signed by up to 20 active or retired Houston Firefighters who are members of the credit union in good standing. With a maximum amount of $10,000 and a term of 36 months, this loan is an excellent way to consolidate those high interest credit cards or pay off those old school loans.

Reminder: When turning in a co-maker application, please allow 5 business days for processing and verification.

Some restrictions apply. Contact a Member Service Representative for additional information. Visit one of our three locations and get your Co-Maker today!

Are you in need of insurance for you home or auto? You can get it right here at your credit union. You can finance either a 6 month insurance policy with a payment term of 5 months or a 12 month insurance policy with a payment term of 11 months. Contact the credit union for rates and additional loan details. Some restrictions apply.
This unsecured line of credit is a great way to obtain instant cash, in case you ever need it for an emergency. You can transfer funds using CU Online, PATT, in person at any branch or simply by calling the Call Center. Ranging in amounts from $500 to $10,000, a line of credit can also be attached to your checking account and can serve as a low rate over draft protection in case there is no money in your savings account to cover any checks that may come through your checking. Similar to a credit card, as you pay down the balance of your line of credit, you have credit available to use again. Some restrictions apply.
With a limit up to $10,000, a Signature Loan from HTFFFCU is another perfect way to pay off those high interest credit cards or to consolidate past bills. Also, with terms up to 36 months, this loan can work with any budget. Some restrictions apply.

HTFFFCU offers four seasonal loans throughout the year:

  • Tax Loan - Offered the 1st business day of March through April 15 or 18 (depending on when tax season ends)
  • Vacation Loan - Offered the 1st business day of May through the last business day of June.
  • Back To School Loan - Offered the 1st business day of July through the last business day of August.
  • Holiday Loan - Offered the 1st business day of November through the last business day of December.

There are two ways to qualify for these loans:

1. If you carry either the HTFFFCU VISA or MasterCard and you have not been late or over your limit in the past 12 months, you may automatically qualify for this loan.

2. If you do not have one of our credit cards, simply come into one of our three locations and apply during the promotion like you would any other loan.

These seasonal loans are a great way to help get through those stressful times of the year! Contact a Member Service Representative for loan promotion dates, details, restrictions and further qualifications. Some restrictions apply.

Ready to apply?

Apply Online!
Updated as of: November 30, 2017

Unsecured Loan Rates
Loan TypeTerm in MonthsFixed Rate APR*
Co-Maker Loan 36 5.90%
Line of Credit Revolving 9.35% - 13.50%
Signature Loan  (includes Insurance Loan) 1-36 8.35% - 16.50%
Signature Loan (if homeowner) 37-60 10.35% - 14.50%
Signature Loan (if homeowner) 61-84 12.35% - 16.50%

*APR = Annual Percentage Rate.

All rates are subject to change without notice. Some restrictions apply