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Houston Credit Union
| Term | Value | Source |
|---|---|---|
| APR for purchases | 7% variableHOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfersintroductory rate first | 2.99%HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | — | |
| Transaction fees | ||
| Cash advance | — | |
| Balance transfer | — | |
| 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 |
| Other APRsoutside the standard boxes | 2.99%HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Opening conditions | Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit in order to become a member and obtain any product or service.HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsBalance transfer · Introductory; Cash advance · Introductory | *APR is Annual Percentage Rate. Rates are subject to change monthly. The 2.99% Introductory APR applies to purchases, balance transfers, and cash advances for the first six billing cycles and is offered to first-time credit card applicants only. Stated rate applies to well-qualified applicants. Details will be provided when you become a cardholder.HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsPurchase · Regular | 2.99% fixed introductory APR for 6 months, thereafter, the APR will be 7.00%. This APR will vary with the market based on prime.HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |