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Houston Police Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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 12, 2026

Houston Police Federal Credit Union's top rates as of October 12, 2026 are 4.02% APY on its 12 Month Traditional IRA, Roth IRA & Roth Conversion IRA CD - Jumbo, 1.26% APY on savings, 0.50% APY on checking, personal loans from 9.35% APR, and credit cards from 7.99% APR, according to rates verified by MonitorBankRates. Other Houston Police Federal Credit Union CD rates include CD - 12-month Jumbo at 4.02%, CD - 6-month Jumbo at 3.97%, and 12 Month Traditional IRA, Roth IRA & Roth Conversion IRA CD - Regular at 3.82%. 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 1.89%. Rates last updated and verified on 10/12/2026.

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.

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: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.89%
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/
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 Police Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate - Jumbo 3.95% 4.02% 12-month
Min Deposit $100,000
Details Type: Jumbo
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 12, 2026: 4.02% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share Certificate - 12-month Jumbo 3.95% 4.02% 12-month
Min Deposit $100,000
Details Jumbo
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 4.02% APY · checked 3 times
3.52%4.02%4.52%Sep 25, 2026: 4.02% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share Certificate - 6-month Jumbo 3.90% 3.97% 6-month
Min Deposit $100,000
Details Jumbo
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.97% APY · checked 3 times
3.47%3.97%4.47%Sep 25, 2026: 3.97% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
12 Month Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate - Regular 3.75% 3.82% 12-month
Min Deposit $1,000
Details Type: Regular
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share Certificate - 12-month Regular 3.75% 3.82% 12-month
Min Deposit $1,000
Details Regular
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share Certificate - 6-month Regular 3.70% 3.76% 6-month
Min Deposit $1,000
Details Regular
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.76% APY · checked 3 times
3.26%3.76%4.26%Sep 25, 2026: 3.76% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
18 Month Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate - Jumbo 3.50% 3.56% 18-month
Min Deposit $100,000
Details Type: Jumbo
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share Certificate - 18-month Jumbo 3.50% 3.56% 18-month
Min Deposit $100,000
Details Jumbo
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 25, 2026: 3.56% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
18 Month Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate - Regular 3.35% 3.40% 18-month
Min Deposit $1,000
Details Type: Regular
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share Certificate - 18-month Regular 3.35% 3.40% 18-month
Min Deposit $1,000
Details Regular
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 25, 2026: 3.40% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
24 Month Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate - Jumbo 3.25% 3.30% 24-month
Min Deposit $100,000
Details Type: Jumbo
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 12, 2026: 3.30% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share Certificate - 24-month Jumbo 3.25% 3.30% 24-month
Min Deposit $100,000
Details Jumbo
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
24 Month Traditional IRA, Roth IRA & Roth Conversion IRA Share Certificate - Regular 3.10% 3.14% 24-month
Min Deposit $1,000
Details Type: Regular
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.14% APY
2.64%3.14%3.64%Oct 12, 2026: 3.14% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Share Certificate - 24-month Regular 3.10% 3.14% 24-month
Min Deposit $1,000
Details Regular
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.14% APY · checked 3 times
2.64%3.14%3.64%Sep 25, 2026: 3.14% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%

Houston Police Federal Credit Union Savings Rates

Product Rate APY View More
Primary, Lil Star & Teen Savings 1.25% 1.26%
Min Deposit $5
Min Balance $0
Details Balance: $0.00 - $99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 1.26% APY · checked 4 times
0.76%1.26%1.76%Sep 25, 2026: 1.26% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Primary, Lil Star & Teen Savings 1.25% 1.26%
Min Deposit $5
Min Balance $100,000
Details Balance: $100,000.00 or more
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 1.26% APY · checked 4 times
0.76%1.26%1.76%Sep 25, 2026: 1.26% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Silver Star Savings 1.25% 1.26%
Min Deposit $100
Min Balance $0
Details Balance: $0.00 - $99,999.99; Members 55 Years of Age or Older
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.26% APY
0.76%1.26%1.76%Oct 12, 2026: 1.26% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Silver Star Savings 1.25% 1.26%
Min Deposit $100
Min Balance $100,000
Details Balance: $100,000.00 or more; Members 55 Years of Age or Older
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.26% APY
0.76%1.26%1.76%Oct 12, 2026: 1.26% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Silver Star Savings 1.25% 1.26%
Min Deposit $100
Min Balance $1
Details Balance: $1.00 - $99,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.26% APY
0.76%1.26%1.76%Oct 12, 2026: 1.26% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Secondary Savings 0.75% 0.75%
Min Deposit $200
Min Balance $500
Details Balance: $500.00 - $2499.99
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 25, 2026: 0.75% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Secondary Savings 0.75% 0.75%
Min Deposit $200
Min Balance $2,500
Details Balance: $2,500.00 or more
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 25, 2026: 0.75% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%

Houston Police Federal Credit Union Checking Rates

Product Rate APY View More
Dividend & Estate Checking 0.50% 0.50%
Min Deposit $25
Min Balance $500
Details Balance: $0.00 or more
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 25, 2026: 0.50% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Silver Star Checking 0.50% 0.50%
Min Deposit $25
Min Balance $500
Details Balance: $0.00 or more; Members 55 Years of Age or Older
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%

Houston Police Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan 1st Lien - - 5.50% 0 - 60 months
Details As Low As; Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00; APR is fixed
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Home Equity Loan 1st Lien - - 5.99% 61 - 120 months
Details As Low As; Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00; APR is fixed
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 16, 2026: 5.99% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
HELOC - - 6.25% Up to 240 months
Details As Low As; Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00; APR is variable; includes a .25% rate discount for qualifying borrowers
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.25% APR · checked 6 times
5.75%6.25%6.75%Sep 16, 2026: 6.25% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Home Equity Loan 2nd Lien - 0 - 60 months - - 6.25% 0-60 months
Details As Low As; Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00; APR is fixed
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 12, 2026: 6.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Home Equity Loan 1st Lien - - 6.50% 121 - 180 months
Details As Low As; Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00; APR is fixed
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.50% APR · checked 6 times
6.00%6.50%7.00%Sep 16, 2026: 6.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Home Equity Loan 2nd Lien - 61 - 120 months - - 6.75% 61-120 months
Details As Low As; Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00; APR is fixed
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 12, 2026: 6.75% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Home Equity Loan 1st Lien - - 7.25% 181 - 240 months
Details As Low As; Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00; APR is fixed
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.25% APR · checked 6 times
6.75%7.25%7.75%Sep 16, 2026: 7.25% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Home Equity Loan 2nd Lien - 121 - 180 months - - 7.50% 121-180 months
Details As Low As; Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00; APR is fixed
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 12, 2026: 7.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Home Equity Loan 2nd Lien - 181 - 240 months - - 8.25% 181-240 months
Details As Low As; Loan to Value: Maximum 80%; Minimum Loan Amount: $25,000.00; APR is fixed
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.25% APR
7.75%8.25%8.75%Oct 12, 2026: 8.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%

Houston Police Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto & Motorcycle - New and Pre-Owned Auto and Motorcycle Loan - - 4.99% 0 - 60 months
Details As Low As; Model Year: (2020 or newer); Fixed APR; Not available for vehicles currently financed with Houston Police Credit Union
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Auto & Motorcycle - New and Pre-Owned Auto and Motorcycle Loan - - 5.24% 61 -72 months
Details As Low As; Model Year: (2023 or newer); Fixed APR; Not available for vehicles currently financed with Houston Police Credit Union
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 12, 2026: 5.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Auto & Motorcycle - New and Pre-Owned Auto and Motorcycle Loan - - 5.79% 73 - 84 months
Details As Low As; Model Year: (2023 or newer); Fixed APR; Not available for vehicles currently financed with Houston Police Credit Union
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.79% APR
5.29%5.79%6.29%Oct 12, 2026: 5.79% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Older Model Auto - Pre-Owned Auto - - 8.49% 0 - 36 months
Details As Low As; Qualifying Model Years: (2019 or older); APR is fixed
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 8.49% APR · checked 2 times
7.99%8.49%8.99%Sep 16, 2026: 8.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%

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

Product Rate APR Term View More
ATV Loan - 6.49% 0 - 60 months
Details As Low As; New, Pre-Owned and Refinance
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.49% APR · checked 5 times
5.99%6.49%6.99%Sep 16, 2026: 6.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat & Jet Ski Loan - 6.49% 0 - 60 months
Details As Low As; New & Pre-Owned and Refinance
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.49% APR · checked 4 times
5.99%6.49%6.99%Sep 16, 2026: 6.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat & Recreational Vehicle - New and Pre-Owned Boat, Luxury Horse Trailer, Motorhome and Other Collateral Loan - 6.49% 0 - 60 months
Details As Low As; Qualifying Model Years: (2020 or newer); APR is fixed; Rates effective as of 1/13/2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 12, 2026: 6.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat & Recreational Vehicle Loan - 6.49% 0 - 60 months
Details As Low As; Qualifying Model Years: (2020 or newer); Rates effective as of 1/13/2026; APR is fixed
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 12, 2026: 6.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Older Model Jet Ski & ATV Loan - 6.49% 0 - 60 months
Details As Low As; Qualifying Model Years: (2019 or older); APR is fixed
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.49% APR · checked 5 times
5.99%6.49%6.99%Sep 16, 2026: 6.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Trailer & RV Loan - 6.49% 0 - 48 months
Details As Low As; New & Pre-Owned and Refinance
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.49% APR · checked 5 times
5.99%6.49%6.99%Sep 16, 2026: 6.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat & Recreational Vehicle - New and Pre-Owned Boat, Luxury Horse Trailer, Motorhome and Other Collateral Loan - 7.49% 61-180 months
Details As Low As; Qualifying Model Years: (2020 or newer); APR is fixed; Rates effective as of 1/13/2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 12, 2026: 7.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat & Recreational Vehicle - Older Model Boat, Luxury Horse Trailer, Motorhome and Other Collateral Loan - 7.49% 0 - 60 months
Details As Low As; Qualifying Model Years: (2019 or older); Includes luxury horse trailer; APR is fixed; Rates effective as of 01/01/2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 12, 2026: 7.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat & Recreational Vehicle Loan - 7.49% 61-180 months
Details As Low As; Qualifying Model Years: (2020 or newer); Rates effective as of 1/13/2026; APR is fixed
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 12, 2026: 7.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Older Model Boat, Luxury Horse Trailer, Motorhome and Other Collateral Loan - 7.49% 0 - 60 months
Details As Low As; Qualifying Model Years: (2019 or older); APR is fixed; Includes luxury horse trailer
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 12, 2026: 7.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Boat & Recreational Vehicle - Older Model Boat, Luxury Horse Trailer, Motorhome and Other Collateral Loan - 8.49% 61-180 months
Details As Low As; Qualifying Model Years: (2019 or older); Includes luxury horse trailer; APR is fixed; Rates effective as of 01/01/2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.49% APR
7.99%8.49%8.99%Oct 12, 2026: 8.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Older Model Boat, Luxury Horse Trailer, Motorhome and Other Collateral Loan - 8.49% 61-180 months
Details As Low As; Qualifying Model Years: (2019 or older); APR is fixed; Includes luxury horse trailer
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.49% APR
7.99%8.49%8.99%Oct 12, 2026: 8.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%

Houston Police Federal Credit Union Credit Card Rates

Product Rate APR View More
Platinum Credit Card - 7.99%
Details As Low As; Loan amount: $500.00 - $40,000.00; Platinum Rewards MasterCard subject to an annual fee of $35.00
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.99% APR
7.49%7.99%8.49%Oct 12, 2026: 7.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Gold Credit Card - 9.99%
Details As Low As; Loan amount: $500.00 - $40,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 12, 2026: 9.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Classic Credit Card - 12.50%
Details As Low As; Loan amount: $500.00 - $40,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 12.50% APR
12.00%12.50%13.00%Oct 12, 2026: 12.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Secured Credit Card - 16.00%
Details As Low As; Loan amount: $200.00 - $4,000.00; Member's balance in savings must exceed credit card limit by $100.00
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 16.00% APR
15.50%16.00%16.50%Oct 12, 2026: 16.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%

Houston Police Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan 9.35% 0 - 72 months
Details As Low As; Loan amount: $500.00 - $40,000.00; APR is variable
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.35% APR
8.85%9.35%9.85%Oct 12, 2026: 9.35% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%

Houston Police Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Line of Credit - - 9.35% Revolving
Details As Low As; Loan amount: $1,000.00 - $40,000.00; APR is variable
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 9.06% → 9.35% ▲ 0.29 pts · high 9.35% / low 9.06%
8.56%9.21%9.85%Sep 16, 2026: 9.06% APRSep 25, 2026: 9.35% APRSep 16, 2026Oct 13, 2026
  • Sep 25, 20269.35%▲ from 9.06%
  • Sep 16, 20269.06%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
New and Pre-Owned Utility Trailer Loan - - 6.49% 0 - 48 months
Details As Low As; Qualifying Model Years: (2020 or newer); APR is fixed
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.49% APR · checked 5 times
5.99%6.49%6.99%Sep 16, 2026: 6.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Older Model Utility Trailer Loan - - 7.49% 0 - 48 months
Details As Low As; Qualifying Model Years: (2019 or older); APR is fixed
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.49% APR · checked 5 times
6.99%7.49%7.99%Sep 16, 2026: 7.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
Other Collateral Loan - - 7.49% 0 - 60 months
Details As Low As; Other Collateral Loan (classic vehicles, tractors)
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.49% APR · checked 4 times
6.99%7.49%7.99%Sep 16, 2026: 7.49% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.89%
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 1.74% in Q3 2023 to 1.89% 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★ 0.6% 2.0★ 1.3% 3.0★ 1.9% 4.0★ 2.6% 5.0★ Healthy zone – entire history below the 15% limit 1.74% 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 1.89% 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$1.0B1.89%5.0A+
March 31, 2026$999M1.38%5.0A+
December 31, 2025$989M1.64%5.0A+
September 30, 2025$965M1.80%5.0A+
June 30, 2025$960M1.62%5.0A+
March 31, 2025$949M1.48%5.0A+
December 31, 2024$927M1.87%5.0A+
September 30, 2024$929M1.84%5.0A+
June 30, 2024$910M1.91%5.0A+
March 31, 2024$908M1.63%5.0A+
December 31, 2023$918M1.44%5.0A+
September 30, 2023$892M1.74%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 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 8
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
1.89%
Return on Assets (ROA)
0.5594%
Return on Equity (ROE)
3.4078%
Non-Performing Loans Ratio (NPL)
0.70%
Total Assets
1,015,855,919
Total Amount of Shares and Deposits
879,813,934
Total Shares and Deposits < 1 Year
872,186,890
Total Shares and Deposits 1 3 Years
7,627,044
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
37,569,957
Total Uninsured Shares and Deposits > $250K (F+J)
37,569,957
Total Insured Shares and Deposits > $250K (item 17 less item K)
842,243,977
Total Interest Expense (Sum of items 6 8)
8,616,948
Share Certificates
3,422
Number of Accounts for Share Drafts
24,674
IRA KEOGH Accounts
1,286
Number of Accounts for Regular Shares
34,718
All other shares
7
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)
94,187,351
Total Liabilities
886,160,909
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 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 Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/houston-police-federal-credit-union-rates-review-2357">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆
Total Reviews
0
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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/.

Current Houston Police Federal Credit Union Rates

  • 12-Month CD3.82%
  • 18-Month CD3.40%
  • 24-Month CD3.14%
  • Savings1.26%
Retrieved from our database of financial products. Rates subject to change.

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