Houston Credit Union Sugar Land TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Houston, your trusted financial partner located at 16320 Kensington Dr, Sugar Land, TX 77479. Since our establishment in 1960, we have been dedicated to serving our community with a strong commitment to member satisfaction and financial well-being. With a robust membership of over 68,429 individuals, we pride ourselves on offering personalized services that cater to your unique financial needs. At Houston Credit Union, we understand that every member is different, which is why we provide a wide range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. Our total assets amount to an impressive $1,010,665,759, reflecting our solid foundation and dedication to supporting our members' financial goals. With total deposits reaching $179,628,561, we ensure that your money is safe and growing. Our leadership team is here for you led by CEO Chris Choat and Board President Brent Holloway, we are committed to fostering a culture of trust and transparency. Our friendly staff of 192 employees is always ready to assist you with your banking needs. Whether you're looking to secure a loan or open a new account, we're just a phone call away at 281-243-0500. While members can visit us at our branch location, official correspondence should be sent to the same address: 16320 Kensington Dr, Sugar Land, TX 77479-4097. Join us at Houston Credit Union where your financial success is our priority! Visit our website at houstonfcu.org for more information or stop by today!

Branch History & Mission

At Houston Credit Union, we are proud of our rich history and strong commitment to serving the community in Sugar Land, TX. Founded in 1960, our branch has grown from a small financial institution into a vibrant hub that now boasts a membership of over 68,000 individuals. With total assets exceeding $1 billion, we have evolved significantly while remaining true to our core mission: to empower our members through exceptional financial services and community support. Located at 16320 Kensington Dr, Sugar Land, TX 77479, our branch is easily accessible and surrounded by local landmarks that make it a familiar place for residents. While members can visit us at this address for all their banking needs, official correspondence should be sent to 16320 Kensington Dr, Sugar Land, TX 77479-4097. Our mission is simple yet impactful: we strive to improve the financial well-being of our members while fostering a sense of community. We offer a wide range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. Our team is dedicated to providing personalized assistance that meets the unique needs of each member. As technology has advanced, so have we. Our digital banking options include online banking, mobile payments, and electronic statements. We are committed to ensuring that all members have access to the services they need while adhering to ADA compliance standards. Moreover, our ATM availability and drive-thru banking service provide convenient access for those on the go. Houston Credit Union also believes in giving back to the community. We actively engage in partnerships with local organizations and participate in outreach efforts aimed at enhancing the quality of life for everyone in Sugar Land and beyond. With operating hours from Monday to Friday between 9:00 AM and 7:00 PM and Saturday from 8:00 AM to 2:00 PM, we invite you to stop by or reach out at 281-243-0500. Experience firsthand how Houston Credit Union can support your financial journey. Join us today and become part of a community-focused organization that truly cares about its members!

Branch Location & Accessibility

Conveniently Located

Nestled in the heart of Sugar Land, our branch is easily accessible and close to popular landmarks such as the nearby First Colony Mall and the beautiful Sugar Land Town Square. You'll find ample parking available right outside, making it easy for you to pop in whenever you need assistance. Our location is also ADA compliant, ensuring that everyone can access our services comfortably.

Get in Touch

If you have any questions or need further information, feel free to give us a call at 281-243-0500. Our friendly staff is always ready to assist you! While members can visit us at our branch address for all their banking needs, please remember that official correspondence should be sent to our mailing address at 16320 Kensington Dr, Sugar Land, TX 77479-4097. Come visit us today! We look forward to helping you achieve your financial goals with personalized service that makes banking easy and enjoyable.

Operating Hours and Services

We understand that your time is valuable. That's why we offer flexible operating hours: from Monday to Friday, we're open from 9:00 am to 7:00 pm, and on Saturdays from 8:00 am to 2:00 pm. This means you can choose a time that best fits your busy schedule. At Houston Credit Union, we provide a wide range of services tailored to meet your needs. From personal banking options like checking and savings accounts to loans for vehicles and mortgages, we're here to help you every step of the way. Plus, our drive-thru banking service allows for quick deposits and withdrawals without leaving your car perfect for those on the go!

Member Eligibility

Welcome to the warm and inviting community at Houston! We're excited to share that becoming a member is simple and welcoming for everyone. To join us, you just need to meet a few friendly eligibility criteria, which primarily revolve around living, working, or worshipping in the areas we serve. We believe in supporting our local community, so if you have a connection to our neighborhood, you're likely eligible! For more detailed information on who can join, feel free to check out our membership page at http://www.houstonfcu.org/about/membership . Once you're ready to become part of our family, opening an account is a breeze! You can easily start the process by visiting http://www.houstonfcu.org/apply-for-a-loan . If you have any questions or need assistance along the way, don't hesitate to reach out to us at (281) 243-0500. Our dedicated team is here to help you every step of the way as you embark on this exciting journey with Houston at our branch located at 16320 Kensington Dr Sugar Land Tx 77479. Join us today and experience the many benefits of being a member!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $60 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $79,467,736, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

In today's fast-paced world, having the right tools can make all the difference. Our merchant services offer practical benefits that simplify transactions and enhance customer experiences. Imagine running your business smoothly while providing your customers with easy payment options whether they pay via card, mobile, or online. This ensures you stay focused on what you do best: growing your business. Located at 16320 Kensington Dr Sugar Land Tx 77479, Sugar Land, TX, our dedicated team is ready to assist you in navigating the financial landscape. Call us at (281) 243-0500 or visit us today to learn more about how we can support your business journey!

Comprehensive List Of Services

Accessing Shared Branch Services

Are you a member of another credit union? No problem! We facilitate Basic Shared Branch Transactions, allowing you to conduct deposits and withdrawals even if you're away from home. This level of flexibility ensures that wherever life takes you whether you're in Sugar Land or beyond you can still access your funds easily. If you're ready to take advantage of these great services or have any questions about how we can assist you further, don't hesitate to reach out! Give us a call at 281-243-0500, or visit us online at Houston FCU. Your financial success starts here!

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. Need cash? Our ATM services ensure easy access to your funds with just a few taps on your smartphone. Plus, for quick transactions like deposits or withdrawals, our Basic Drive-Thru Banking is always ready to serve you.

Credit Cards and Business Banking

To reward our members for their loyalty, we offer Credit Cards with Rewards that allow you to earn points for every dollar spent. This can be a great way to maximize benefits while managing everyday expenses. For small business owners, our Business Banking services include merchant services and business loans, enabling you to thrive in today's competitive market.

Personal Banking Solutions

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer Checking & Savings Accounts tailored to help you reach your financial goals. Imagine effortlessly keeping track of your spending while also growing your savings with competitive interest rates. For those times when life throws unexpected expenses your way, our Personal Loans & Debt Consolidation options provide flexible solutions to ease your financial burden.

Vehicle and Mortgage Financing

If you're in the market for a new car, consider our Auto Loans & Vehicle Financing services. With competitive rates and terms designed for every budget, you'll be driving off in style without breaking the bank. Additionally, if homeownership is on your horizon, our Mortgage Loans & Refinancing make it easier than ever to own the home of your dreams.

Digital & Online Banking

Key Features

One of the highlights of our digital offerings is the ability to send money directly to friends and family with our person-to-person transfer feature. This means no more waiting for checks to clear or worrying about cash just fast and easy transactions that fit into your lifestyle. Security is a top priority for us. With electronic signature authorization available, you can sign documents safely without needing to visit a branch. This not only saves you time but also adds an extra layer of protection for your information. If you're looking to reduce paper clutter, you'll appreciate our e-statements option. Enjoy quick access to your account statements online while helping the environment by going green.

Mobile Access

Our mobile application makes banking even more convenient. Whether you're making mobile payments or checking your balance, everything is just a tap away. You can manage your accounts from virtually anywhere, so you're always in control of your financial situation. In summary, Houston offers a robust suite of digital banking services that prioritize accessibility, ease-of-use, and real-time account management. Embrace modern banking today visit us online at https://www.houstonfcu.org/ and discover how simple managing your finances can be!

Financial Strength

A Trusted Partner

Net Shares (Funds available for lending and investments): $669,953. Total Share and Deposit Accounts: 126,182, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Houston is your trusted partner. Visit us at 16320 Kensington Dr Sugar Land Tx 77479 or call (281) 243-0500 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our $2,832,300, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 184 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $74,780,403 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $8,460 in used auto loans and $584,967,737 in total loans and leases.

Secured Savings Opportunities

Members' savings are secured through $249,088,911 in share certificates and $123,085,278 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Capital Foundation

With a net worth of $89,400,955, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $907 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $163,413,432 in used vehicle loans and $75,410,098 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, our competitive rates and flexible terms make it easy for you to drive home your next car.

Business Financing

For business owners, our outstanding commercial loans totaling $79,467,736 provide the capital needed to grow and expand your operations. We understand that running a business comes with its challenges, and we're here to support you with tailored financing options.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $41,848,321, make buying or refinancing simple. We offer various mortgage products tailored to fit different budgets and lifestyles, ensuring that you can find the perfect solution for your housing needs.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, consider our refinancing options. Our team can guide you through eligibility requirements and help you find the best rates available. At Houston, we pride ourselves on being more than just a financial institution; we are your partners in achieving financial success. For more information about our loan offerings or to apply, please call us at (281) 243-0500 or visit us online at https://www.houstonfcu.org/ . Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step towards fulfilling your financial dreams!

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $18,168,400 in loans helping members manage their finances effectively. Our credit cards come with rewards and features that enhance your spending experience while providing peace of mind.

Loan Aggregator

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This means every loan offer is aligned with fair lending practices, ensuring users receive transparent and trustworthy information.

HOUSTON FEDERAL CREDIT UNION