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Houston Highway Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Houston Highway Credit Union's top rates as of October 10, 2026 are 3.49% APY on its 12 Month IRA CD, personal loans from 6.24% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other Houston Highway Credit Union CD rates include 12 Month CD at 3.49%, 15 Month CD at 3.29%, and 18 Month CD at 3.09%. MonitorBankRates evaluates the financial stability of Houston Highway Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.52%. Rates last updated and verified on 10/10/2026.

Houston Highway Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Houston Highway Credit Union? Share your experience about Houston Highway Credit Union by leaving a review below, or read customer reviews before you decide to use Houston Highway Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.52%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Houston Highway Credit Union
Houston Highway Credit Union
8120 Washington Ave
Houston, TX 77007
https://www.houstonhighwaycu.com
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Houston Highway Credit Union CD Rates

Product Rate APY Term View More
12 Month IRA Certificate - 3.49% 12 Months
Min Balance $10,000
Details Balance: >=$10K
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 6 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
12 Month IRA Certificate - 3.49% 12 Months
Min Balance $50,000
Details Balance: >=$50K
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 6 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
12 Month IRA Certificate - 3.49% 12 Months
Min Balance $95,000
Details Balance: >=$95K
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 6 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
12 Month Share Certificate 3.45% 3.49% 12 Months
Min Balance $1,000
Details Balance: $1,000+
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.09% → 3.49% ▲ 0.40 pts · high 3.49% / low 3.09%
2.59%3.29%3.99%Sep 14, 2026: 3.09% APYOct 10, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.49%▲ from 3.09%
  • Sep 14, 20263.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
12 Month Share Certificate 3.45% 3.49% 12 Months
Min Balance $10,000
Details Balance: $10,000+
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.09% → 3.49% ▲ 0.40 pts · high 3.49% / low 3.09%
2.59%3.29%3.99%Sep 14, 2026: 3.09% APYOct 10, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.49%▲ from 3.09%
  • Sep 14, 20263.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
12 Month Share Certificate 3.45% 3.49% 12 Months
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.09% → 3.49% ▲ 0.40 pts · high 3.49% / low 3.09%
2.59%3.29%3.99%Sep 14, 2026: 3.09% APYOct 10, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.49%▲ from 3.09%
  • Sep 14, 20263.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
12 Month Share Certificate 3.45% 3.49% 12 Months
Min Balance $95,000
Details Balance: $95,000+
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.09% → 3.49% ▲ 0.40 pts · high 3.49% / low 3.09%
2.59%3.29%3.99%Sep 14, 2026: 3.09% APYOct 10, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.49%▲ from 3.09%
  • Sep 14, 20263.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
15 Month Share Certificate 3.25% 3.29% 15 Months
Min Balance $1,000
Details Balance: $1,000+
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 10, 2026: 3.29% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
15 Month Share Certificate 3.25% 3.29% 15 Months
Min Balance $10,000
Details Balance: $10,000+
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 10, 2026: 3.29% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
15 Month Share Certificate 3.25% 3.29% 15 Months
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 10, 2026: 3.29% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
15 Month Share Certificate 3.25% 3.29% 15 Months
Min Balance $95,000
Details Balance: $95,000+
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 10, 2026: 3.29% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
18 Month Share Certificate 3.05% 3.09% 18 Months
Min Balance $1,000
Details Balance: $1,000+
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.09% APY
2.59%3.09%3.59%Oct 10, 2026: 3.09% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
18 Month Share Certificate 3.05% 3.09% 18 Months
Min Balance $10,000
Details Balance: $10,000+
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.09% APY
2.59%3.09%3.59%Oct 10, 2026: 3.09% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
18 Month Share Certificate 3.05% 3.09% 18 Months
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.09% APY
2.59%3.09%3.59%Oct 10, 2026: 3.09% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
18 Month Share Certificate 3.05% 3.09% 18 Months
Min Balance $95,000
Details Balance: $95,000+
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.09% APY
2.59%3.09%3.59%Oct 10, 2026: 3.09% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
24 Month Certificate - 2.88% 24 Months
Min Deposit $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.88% APY · checked 6 times
2.38%2.88%3.38%Sep 14, 2026: 2.88% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
24 Month IRA Certificate - 2.88% 24 Months
Min Balance $10,000
Details Balance: >=$10K
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.88% APY · checked 6 times
2.38%2.88%3.38%Sep 14, 2026: 2.88% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
24 Month IRA Certificate - 2.88% 24 Months
Min Balance $50,000
Details Balance: >=$50K
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.88% APY · checked 6 times
2.38%2.88%3.38%Sep 14, 2026: 2.88% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
24 Month IRA Certificate - 2.88% 24 Months
Min Balance $95,000
Details Balance: >=$95K
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.88% APY · checked 6 times
2.38%2.88%3.38%Sep 14, 2026: 2.88% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
24 Month Share Certificate 2.85% 2.88% 24 Months
Min Balance $1,000
Details Balance: $1,000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.88% APY · checked 6 times
2.38%2.88%3.38%Sep 14, 2026: 2.88% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
24 Month Share Certificate 2.85% 2.88% 24 Months
Min Balance $10,000
Details Balance: $10,000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.88% APY · checked 6 times
2.38%2.88%3.38%Sep 14, 2026: 2.88% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
24 Month Share Certificate 2.85% 2.88% 24 Months
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.88% APY · checked 6 times
2.38%2.88%3.38%Sep 14, 2026: 2.88% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
24 Month Share Certificate 2.85% 2.88% 24 Months
Min Balance $95,000
Details Balance: $95,000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.88% APY · checked 6 times
2.38%2.88%3.38%Sep 14, 2026: 2.88% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
36 Month Certificate - 2.47% 36 Months
Min Deposit $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 6 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
36 Month IRA Certificate - 2.47% 36 Months
Min Balance $10,000
Details Balance: >=$10K
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 6 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
36 Month IRA Certificate - 2.47% 36 Months
Min Balance $50,000
Details Balance: >=$50K
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 6 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
36 Month IRA Certificate - 2.47% 36 Months
Min Balance $95,000
Details Balance: >=$95K
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 6 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
36 Month Share Certificate 2.45% 2.47% 36 Months
Min Balance $1,000
Details Balance: $1,000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 6 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
36 Month Share Certificate 2.45% 2.47% 36 Months
Min Balance $10,000
Details Balance: $10,000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 6 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
36 Month Share Certificate 2.45% 2.47% 36 Months
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 6 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
36 Month Share Certificate 2.45% 2.47% 36 Months
Min Balance $95,000
Details Balance: $95,000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 6 times
1.97%2.47%2.97%Sep 14, 2026: 2.47% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
6 Month Certificate - 2.02% 6 Months
Min Deposit $1,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
6 Month Share Certificate 2.00% 2.02% 6 Months
Min Balance $1,000
Details Balance: $1,000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
6 Month Share Certificate 2.00% 2.02% 6 Months
Min Balance $10,000
Details Balance: $10,000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
6 Month Share Certificate 2.00% 2.02% 6 Months
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
6 Month Share Certificate 2.00% 2.02% 6 Months
Min Balance $95,000
Details Balance: $95,000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%

Houston Highway Credit Union Savings Rates

Product Rate APY View More
Christmas Club - 0.01%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%

Houston Highway Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicle Loan - - 3.99% 24 - 72+ Months
Details Published APR range: 3.99% - 18.00%.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
Used Vehicle Loan - - 3.99% 24 - 72+ Months
Details Published APR range: 3.99% - 18.00%.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%

Houston Highway Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boats Loan - 3.99% Up to 72+ Months
Details Published APR range: 3.99% - 18.00%.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
Motorcycles Loan - 3.99% Up to 72+ Months
Details Published APR range: 3.99% - 18.00%.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%

Houston Highway Credit Union Credit Card Rates

Product Rate APR View More
Mastercard Platinum - 9.99%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
Mastercard Classic - 11.99%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 6 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%

Houston Highway Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Signature Loan 6.24% Up to 72+ Months
Details Published rate range: 6.24% - 17.99%.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 6 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%

Houston Highway Credit Union Other Rates

Product Rate Points APY/APR Term View More
IRA Deposit - - 0.05%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
Saving Account - - 0.01%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.52%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Houston Highway Credit Union’s Texas Ratio rose from 1.30% in Q3 2023 to 4.52% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.5% 2.0★ 3.1% 3.0★ 4.6% 4.0★ 6.1% 5.0★ Healthy zone – entire history below the 15% limit 1.30% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 4.52% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$48M4.52%5.0A+
March 31, 2026$47M1.41%5.0A+
December 31, 2025$47M1.11%5.0A+
September 30, 2025$46M0.94%5.0A+
June 30, 2025$46M0.90%5.0A+
March 31, 2025$46M1.60%5.0A+
December 31, 2024$47M2.05%5.0A+
September 30, 2024$44M1.20%5.0A+
June 30, 2024$45M3.06%5.0A+
March 31, 2024$46M1.89%5.0A+
December 31, 2023$48M2.57%5.0A+
September 30, 2023$46M1.30%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Houston Highway Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Houston Highway Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Houston Highway Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Houston Highway Credit Union
Website https://www.houstonhighwaycu.com
Address 8120 Washington Ave, Houston, TX 77007
Phone 713-864-4438
Fax 713-864-1714
President Mike Alford
CEO David Gerow
Full-Time Employees 7
Part-Time Employees 0
Branch Locations 1
ATM Locations 1
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.52%
Return on Assets (ROA)
0.1926%
Return on Equity (ROE)
1.7647%
Non-Performing Loans Ratio (NPL)
1.14%
Total Assets
48,397,569
Total Amount of Shares and Deposits
41,975,419
Total Shares and Deposits < 1 Year
41,177,346
Total Shares and Deposits 1 3 Years
678,409
Total Shares and Deposits > 3 Years
119,665
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,954,318
Total Uninsured Shares and Deposits > $250K (F+J)
3,954,318
Total Insured Shares and Deposits > $250K (item 17 less item K)
38,021,101
Total Interest Expense (Sum of items 6 8)
180,247
Share Certificates
170
Number of Accounts for Share Drafts
1,221
IRA KEOGH Accounts
79
Number of Accounts for Regular Shares
3,679
Money Market Shares
24
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,614,103
Total Liabilities
42,286,290
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Houston Highway Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews
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Frequently Asked Questions About Houston Highway Credit Union

How many branches does Houston Highway Credit Union operate?

Houston Highway Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Houston Highway Credit Union?

Yes, to access services at Houston Highway Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Houston Highway Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Houston Highway Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Houston Highway Credit Union offer online and mobile banking?

Most modern institutions like Houston Highway Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.houstonhighwaycu.com.

Current Houston Highway Credit Union Rates

  • 12-Month CD3.49%
  • 18-Month CD3.09%
  • 24-Month CD2.88%
Retrieved from our database of financial products. Rates subject to change.

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