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Houston Police Federal Credit Union

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Houston Police Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 16, 2026

Houston Police Federal Credit Union's 6 Month CD of Deposit rates are at 3.76%. Houston Police Federal Credit Union's Personal Loan Rates are as low as 9.06%. MonitorBankRates evaluates the financial stability of Houston Police Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.38%. Rates last updated and verified on 09/16/2026.

Houston Police Federal 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 Police Federal Credit Union? Share your experience about Houston Police Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Houston Police Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.38%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Houston Police Federal Credit Union
Memorial Branch

1600 Memorial Dr
Houston, TX 77007-7702

https://www.hpcu.coop/

Houston Police Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
6 Month Certificate of Deposit	-	3.76%	6-month
Details as high as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%

Houston Police Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan 1st Lien	-	-	5.50%	0 - 60 months
Details Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Home Equity Loan 1st Lien	-	-	5.99%	61 - 120 months
Details Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
HELOC	-	-	6.25%	Up to 240 months**
Details Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00; APR* As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
HELOC	-	-	6.25%	Up to 240 months
Details Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00; As Low As; ** Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Home Equity Loan 2nd Lien	-	-	6.25%	0 - 60 months
Details Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Home Equity Loan 1st Lien	-	-	6.50%	121 - 180 months
Details Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Home Equity Loan 2nd Lien	-	-	6.75%	61 - 120 months
Details Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Home Equity Loan 1st Lien	-	-	7.25%	181 - 240 months
Details Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Home Equity Loan 2nd Lien	-	-	7.50%	121 - 180 months
Details Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Home Equity Loan 2nd Lien	-	-	8.25%	181 - 240 months
Details Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%

Houston Police Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto & Motorcycle	-	-	4.99%	0 - 60 months
Details As low as; Rates are based on a combination of credit score, the eligible term selected, collateral and other lending criteria. Credit score will be established by TransUnion FICO 9. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
New and Pre-Owned Auto and Motorcycle	-	-	4.99%	0 - 60 months
Details Qualifying Model Years: (2020 or newer) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
New and Pre-Owned Auto and Motorcycle	-	-	5.24%	61 -72 months
Details Qualifying Model Years: (2023 or newer) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
New and Pre-Owned Auto and Motorcycle	-	-	5.49%	0 - 60 months
Details Qualifying Model Years: (2020 or newer) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
New and Pre-Owned Auto and Motorcycle	-	-	5.74%	61 -72 months
Details Qualifying Model Years: (2023 or newer) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
New and Pre-Owned Auto and Motorcycle	-	-	5.79%	73 - 84 months
Details Qualifying Model Years: (2023 or newer) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
New and Pre-Owned Auto and Motorcycle	-	-	6.29%	73 - 84 months
Details Qualifying Model Years: (2023 or newer) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Older Model Auto - Pre-Owned Auto	-	-	8.49%	0 - 36 months
Details Qualifying Model Years: (2019 or older) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%

Houston Police Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
ATV Loan	-	6.49%	0 - 60 months
Details As low as; Rates are based on a combination of credit score, the eligible term selected, collateral and other lending criteria. Credit score will be established by TransUnion FICO 9. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Boat & Jet Ski Loan	-	6.49%	0 - 60 months
Details As low as; Rates are based on a combination of credit score, the eligible term selected, collateral and other lending criteria. Credit score will be established by TransUnion FICO 9. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Boat, Jet Ski & Recreational Vehicle Loan	-	6.49%	0 - 60 months
Details Qualifying Model Years: (2020 or newer) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
New and Pre-Owned Jet Ski & ATV Loan	-	6.49%	0 - 60 months
Details Qualifying Model Years: (2020 or newer) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Older Model Jet Ski & ATV Loan	-	6.49%	0 - 60 months
Details Qualifying Model Years: (2019 or older) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Trailer & RV Loan	-	6.49%	0 - 48 months
Details As low as; Rates are based on a combination of credit score, the eligible term selected, collateral and other lending criteria. Credit score will be established by TransUnion FICO 9. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Boat, Jet Ski & Recreational Vehicle Loan	-	7.49%	61-180 months
Details Qualifying Model Years: (2020 or newer) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Boat, Jet Ski & Recreational Vehicle Loan	-	7.49%	0 - 60 months
Details Qualifying Model Years: (2019 or older) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
New and Pre-Owned Jet Ski & ATV Loan	-	7.49%	61-84 months
Details Qualifying Model Years: (2020 or newer) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Boat, Jet Ski & Recreational Vehicle Loan	-	8.49%	61-180 months
Details Qualifying Model Years: (2019 or older) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%

Houston Police Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Superscript 6 Loan	9.06%	0 - 72 months
Details Minimum Loan Amount: $500.00 - $40,000.00 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%

Houston Police Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Classic Loan	-	-	12.50%	Revolving
Details Minimum Loan Amount: $500.00 - $40,000.00 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Gold Loan	-	-	9.99%	Revolving
Details Minimum Loan Amount: $500.00 - $40,000.00 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Line of Credit	-	-	9.06%	Revolving
Details Minimum Loan Amount: $1,000.00 - $40,000.00 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
New and Pre-Owned Utility Trailer Loan	-	-	6.49%	0 - 48 months
Details Qualifying Model Years: (2020 or newer) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Older Model Utility Trailer Loan	-	-	7.49%	0 - 48 months
Details Qualifying Model Years: (2019 or older) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Other Collateral Loan	-	-	7.49%	0 - 60 months
Details As low as; Rates are based on a combination of credit score, the eligible term selected, collateral and other lending criteria. Credit score will be established by TransUnion FICO 9. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Platinum Loan	-	-	7.99%	Revolving
Details Minimum Loan Amount: $500.00 - $40,000.00 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%

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.
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Financial Health History

Houston Police Federal Credit Union’s Texas Ratio stayed near 1.31% in Q2 2023 to 1.38% in Q1 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.

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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$999M	1.38%	5.0	A+
December 31, 2025	$989M	1.64%	5.0	A+
September 30, 2025	$965M	1.80%	5.0	A+
June 30, 2025	$960M	1.62%	5.0	A+
March 31, 2025	$949M	1.48%	5.0	A+
December 31, 2024	$927M	1.87%	5.0	A+
September 30, 2024	$929M	1.84%	5.0	A+
June 30, 2024	$910M	1.91%	5.0	A+
March 31, 2024	$908M	1.63%	5.0	A+
December 31, 2023	$918M	1.44%	5.0	A+
September 30, 2023	$892M	1.74%	5.0	A+
June 30, 2023	$912M	1.31%	5.0	A+

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 Police Federal 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 Police Federal 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 Police Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Houston Police Federal Credit Union

Website https://www.hpcu.coop/

Address 1600 Memorial Dr, Houston, TX 77007-7702

Phone 713-986-0200

Fax 713-986-0394

President Bobby Camp

CEO Kim Foster

Full-Time Employees 85

Part-Time Employees 10

Branch Locations 4

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.38%

Return on Assets (ROA)

0.2601%

Return on Equity (ROE)

1.5882%

Non-Performing Loans Ratio (NPL)

0.50%

Total Assets

999,476,831

Total Amount of Shares and Deposits

865,709,353

Total Shares and Deposits < 1 Year

856,723,673

Total Shares and Deposits 1 3 Years

8,985,679

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

38,874,896

Total Uninsured Shares and Deposits > $250K (F+J)

38,874,896

Total Insured Shares and Deposits > $250K (item 17 less item K)

826,834,457

Total Interest Expense (Sum of items 6 8)

4,288,286

Share Certificates

3,394

Number of Accounts for Share Drafts

24,340

IRA KEOGH Accounts

1,315

Number of Accounts for Regular Shares

34,482

All other shares

112

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)

105,510,309

Total Liabilities

871,850,717

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Houston Police Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Houston Police Federal Credit Union

How many branches does Houston Police Federal Credit Union operate?

Houston Police Federal 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 Police Federal Credit Union?

Yes, to access services at Houston Police Federal 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 Police Federal 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 Police Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Houston Police Federal Credit Union offer online and mobile banking?

Most modern institutions like Houston Police Federal 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.hpcu.coop/.