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Houston Credit Union
| Term | Value | Source |
|---|---|---|
| APR for purchasesintroductory rate first | ||
| Introductory, 6 months | 2.99%HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| 8.99%–18% variableHOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website | |
| APR for balance transfers | — | |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | NoneHOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | ||
| Cash advance | $0, NoneHOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | $0, NoneHOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | 1% of the amount, 1% of each transaction in U.S. dollars for international transactionsHOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| Other fees | $15, $15.00HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsPurchase · Introductory; Purchase · Regular | 2.99% fixed introductory APR for 6 months, thereafter, the APR will be between 8.99% to 18.00% based on your credit standing. This APR will vary with the market based on prime.HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |