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 Houston Highway Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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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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: September 12, 2026
Houston Highway Credit Union's 12 month IRA CDs rates are at 3.49%, 12 month CDs of Deposit (CD) rates are at 3.09%, 24 month CDs of Deposit (CD) rates are at 2.88%, 24 month IRA CDs rates are at 2.88%, 36 month CDs of Deposit (CD) rates are at 2.47%. Houston Highway Credit Union's Auto Loan Rates are as low as 3.99%. Houston Highway Credit Union's Credit Card Rates are at 9.99%. 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 1.41%. Rates last updated and verified on 09/12/2026. 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. Houston Highway Credit Union
Houston Highway Credit Union 8120 Washington Ave
https://www.houstonhighwaycu.com Houston, TX 77007 
Houston Highway Credit Union CD Rates
Houston Highway Credit Union Savings Rates
Houston Highway Credit Union Auto Loan Rates
Houston Highway Credit Union RV, Boat and Powersport Loan Rates
Houston Highway Credit Union Credit Card Rates
Houston Highway Credit Union Other Rates
Financial Health HistoryHouston Highway Credit Union’s Texas Ratio fell from 5.66% in Q2 2023 to 1.41% in Q1 2026, so its financial health has improved and is now 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.41%
Return on Assets (ROA)
0.1832%
Return on Equity (ROE)
1.6442%
Non-Performing Loans Ratio (NPL)
0.34%
Total Assets
47,354,583
Total Amount of Shares and Deposits
41,351,282
Total Shares and Deposits < 1 Year
40,192,043
Total Shares and Deposits 1 3 Years
995,746
Total Shares and Deposits > 3 Years
163,492
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,004,132
Total Uninsured Shares and Deposits > $250K (F+J)
4,004,132
Total Insured Shares and Deposits > $250K (item 17 less item K)
37,347,150
Total Interest Expense (Sum of items 6 8)
86,878
Share Certificates
161
Number of Accounts for Share Drafts
1,090
IRA KEOGH Accounts
68
Number of Accounts for Regular Shares
3,264
Money Market Shares
22
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)
8,721,192
Total Liabilities
41,215,010
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Houston Highway Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Houston Highway Credit Union
Frequently Asked Questions About Houston Highway Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
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