What are the current interest rates at Highway Federal Credit Union?

Current rates for Highway Federal Credit Union include: Savings: 0.15%

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Highway Federal Credit Union

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Highway Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Highway Federal Credit Union?

Yes, to access services at Highway 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Highway 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: October 13, 2026

Highway Federal Credit Union's top rates as of October 13, 2026 are 0.15% APY on savings, personal loans from 7.75% APR, and credit cards from 7.99% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Highway Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.82%. Rates last updated and verified on 10/13/2026.

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

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

3.82%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Highway Federal Credit Union
HIGHWAY FCU

405 Laurel St
Hughestown, PA 18640

https://highwayfcu.org

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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.

Highway Federal Credit Union Savings Rates

Product	Rate	APY
Share Savings Account	-	0.15%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000.00 and over; Dividends compounded and credited quarterly; Balance Method: Average Daily Balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Club Account	-	0.05%
Min Balance $50 Details Minimum Balance to Avoid Service Charge: N/A; Dividends compounded and credited quarterly; Dividends Period: Calendar Quarterly; Balance Method: Average Daily Balance; $25.00 early withdrawal fee Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Share Savings Account	-	0.05%
Min Deposit $5 Min Balance $50 Details Balance: $50.00 and over; Minimum Balance to earn the Stated APY: $50.00; Dividends compounded and credited quarterly; Balance Method: Average Daily Balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Highway Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	4.75%	-	4.75%	5 Years
Details Fair Isaac Risk Score: 725-850 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Loan	5.25%	-	5.25%	5 Years
Details Fair Isaac Risk Score: 690-724 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Loan	5.75%	-	5.75%	10 Years
Details Fair Isaac Risk Score: 725-850 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Loan	6.25%	-	6.25%	5 Years
Details Fair Isaac Risk Score: 650-689 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.25% → 6.25% ▲ 1.00 pts · high 6.25% / low 5.25% Sep 17, 20266.25%▲ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Loan	6.25%	-	6.25%	10 Years
Details Fair Isaac Risk Score: 690-724 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Sep 17, 20266.25%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Loan	6.50%	-	6.50%	15 Years
Details Fair Isaac Risk Score: 725-850 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Loan	6.75%	-	6.75%	15 Years
Details Fair Isaac Risk Score: 690-724 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Loan	7.00%	-	7.00%	10 Years
Details Fair Isaac Risk Score: 650-689 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Loan	7.75%	-	7.75%	15 Years
Details Fair Isaac Risk Score: 650-689 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Highway Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Vehicles - 36 months or less Loan	-	-	4.25%	36 months
Details Fair Isaac Risk Score: 725-850; Model Year: Never Titled; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	4.50%	36 months
Details Fair Isaac Risk Score: 725-850; Model Year: Used 2026-2025; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Never Titled	-	-	4.75%	37 months
Details Fair Isaac Risk Score: 725-850; Vehicle: Never Titled; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	5.00%	36 months
Details Fair Isaac Risk Score: 725-850; Model Year: Used 2024-2023; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	5.25%	36 months
Details Fair Isaac Risk Score: 650-689; Model Year: Never Titled; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2026-2025	-	-	5.25%	37 months
Details Fair Isaac Risk Score: 725-850; Vehicle: Used 2026-2025; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	5.50%	36 months
Details Fair Isaac Risk Score: 725-850; Model Year: Used 2022-2020; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Never Titled	-	-	5.50%	37 months
Details Fair Isaac Risk Score: 690-724; Vehicle: Never Titled; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2024-2023	-	-	5.75%	37 months
Details Fair Isaac Risk Score: 725-850; Vehicle: Used 2024-2023; 90% Financing Last Updated 10/13/2026 Rate History 1 change since Oct 5, 2026 · 6.25% → 5.75% ▼ 0.50 pts · high 6.25% / low 5.75% Oct 13, 20265.75%▼ from 6.25% Oct 5, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2026-2025	-	-	5.75%	37 months
Details Fair Isaac Risk Score: 690-724; Vehicle: Used 2026-2025; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	6.00%	36 months
Details Fair Isaac Risk Score: 650-689; Model Year: Used 2026-2025; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Never Titled	-	-	6.25%	37 months
Details Fair Isaac Risk Score: 650-689; Vehicle: Never Titled; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2022-2020	-	-	6.25%	37 months
Details Fair Isaac Risk Score: 725-850; Vehicle: Used 2022-2020; 90% Financing Last Updated 10/13/2026 Rate History 1 change since Oct 5, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Oct 13, 20266.25%▲ from 5.75% Oct 5, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2024-2023	-	-	6.25%	37 months
Details Fair Isaac Risk Score: 690-724; Vehicle: Used 2024-2023; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2026-2025	-	-	6.25%	37 months
Details Fair Isaac Risk Score: 650-689; Vehicle: Used 2026-2025; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	6.50%	36 months
Details Fair Isaac Risk Score: 725-850; Model Year: Used 2019-2018; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2019-2018	-	-	6.75%	37 months
Details Fair Isaac Risk Score: 725-850; Vehicle: Used 2019-2018; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	7.00%	36 months
Details Fair Isaac Risk Score: 650-689; Model Year: Used 2024-2023; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	7.25%	36 months
Details Fair Isaac Risk Score: 625-649; Model Year: Never Titled; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Never Titled	-	-	7.25%	37 months
Details Fair Isaac Risk Score: 625-649; Vehicle: Never Titled; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2022-2020	-	-	7.25%	37 months
Details Fair Isaac Risk Score: 690-724; Vehicle: Used 2022-2020; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2024-2023	-	-	7.25%	37 months
Details Fair Isaac Risk Score: 650-689; Vehicle: Used 2024-2023; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2026-2025	-	-	7.25%	37 months
Details Fair Isaac Risk Score: 625-649; Vehicle: Used 2026-2025; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	7.50%	36 months
Details Fair Isaac Risk Score: 725-850; Model Year: 24 Months Used 2017; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	7.75%	36 months
Details Fair Isaac Risk Score: 650-689; Model Year: Used 2022-2020; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2019-2018	-	-	7.75%	37 months
Details Fair Isaac Risk Score: 690-724; Vehicle: Used 2019-2018; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2022-2020	-	-	8.25%	37 months
Details Fair Isaac Risk Score: 650-689; Vehicle: Used 2022-2020; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	8.50%	36 months
Details Fair Isaac Risk Score: 690-724; Model Year: 24 Months Used 2017; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	8.75%	36 months
Details Fair Isaac Risk Score: 650-689; Model Year: Used 2019-2018; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	8.99%	36 months
Details Fair Isaac Risk Score: 625-649; Model Year: Used 2022-2020; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2019-2018	-	-	9.25%	37 months
Details Fair Isaac Risk Score: 650-689; Vehicle: Used 2019-2018; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	9.75%	36 months
Details Fair Isaac Risk Score: 650-689; Model Year: 24 Months Used 2017; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	9.99%	36 months
Details Fair Isaac Risk Score: 625-649; Model Year: Used 2019-2018; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2024-2023	-	-	9.99%	37 months
Details Fair Isaac Risk Score: 625-649; Vehicle: Used 2024-2023; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	10.75%	36 months
Details Fair Isaac Risk Score: <624 or; Model Year: Used 2026-2025; 90% Financing; Requires co-signer with 700 score Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Never Titled	-	-	10.75%	37 months
Details Fair Isaac Risk Score: <624 or **; Vehicle: Never Titled; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2026-2025	-	-	10.75%	37 months
Details Fair Isaac Risk Score: <624 or *; Vehicle: Used 2026-2025; 90% Financing Last Updated 10/13/2026 Rate History 1 change since Oct 5, 2026 · 7.25% → 10.75% ▲ 3.50 pts · high 10.75% / low 7.25% Oct 13, 202610.75%▲ from 7.25%* Oct 5, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2022-2020	-	-	10.99%	37 months
Details Fair Isaac Risk Score: 625-649; Vehicle: Used 2022-2020; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 10.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	11.75%	36 months
Details Fair Isaac Risk Score: <624 or; Model Year: Used 2024-2023; 90% Financing; Requires co-signer with 700 score Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	12.00%	36 months
Details Fair Isaac Risk Score: 625-649; Model Year: 24 Months Used 2017; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	12.75%	36 months
Details Fair Isaac Risk Score: <624 or; Model Year: Used 2022-2020; 90% Financing; Requires co-signer with 700 score Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2024-2023	-	-	12.75%	37 months
Details Fair Isaac Risk Score: <624 or *; Vehicle: Used 2024-2023; 90% Financing Last Updated 10/13/2026 Rate History 1 change since Oct 5, 2026 · 9.99% → 12.75% ▲ 2.76 pts · high 12.75% / low 9.99% Oct 13, 202612.75%▲ from 9.99%* Oct 5, 20269.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2019-2018	-	-	12.99%	37 months
Details Fair Isaac Risk Score: 625-649; Vehicle: Used 2019-2018; 90% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 12.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	13.75%	36 months
Details Fair Isaac Risk Score: <624 or; Model Year: Used 2019-2018; 90% Financing; Requires co-signer with 700 score Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2022-2020	-	-	13.75%	37 months
Details Fair Isaac Risk Score: <624 or *; Vehicle: Used 2022-2020; 90% Financing Last Updated 10/13/2026 Rate History 1 change since Oct 5, 2026 · 10.99% → 13.75% ▲ 2.76 pts · high 13.75% / low 10.99% Oct 13, 202613.75%▲ from 10.99%* Oct 5, 202610.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 36 months or less Loan	-	-	14.75%	36 months
Details Fair Isaac Risk Score: <624 or; Model Year: 24 Months Used 2017; 90% Financing; Requires co-signer with 700 score Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicles - 37 months or more - 90% Financing - Used 2019-2018	-	-	14.75%	37 months
Details Fair Isaac Risk Score: <624 or *; Vehicle: Used 2019-2018; 90% Financing Last Updated 10/13/2026 Rate History 1 change since Oct 5, 2026 · 12.99% → 14.75% ▲ 1.76 pts · high 14.75% / low 12.99% Oct 13, 202614.75%▲ from 12.99%* Oct 5, 202612.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Highway Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan - Never Titled	-	4.25%	36 months or less
Details Fair Isaac Risk Score: 725-850; Model Year: Never Titled Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - New Loan	-	4.25%	3 Years of less
Details Fair Isaac Risk Score: 750+ w/ 100% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	4.50%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 725-850; Model Year: Never Titled Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - New Loan	-	4.50%	3 Years of less
Details Fair Isaac Risk Score: 720+ w/ 90% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Never Titled	-	4.75%	36 months or less
Details Fair Isaac Risk Score: 690-724; Model Year: Never Titled Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2026	-	4.75%	36 months or less
Details Fair Isaac Risk Score: 725-850; Model Year: Used 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - New Loan	-	4.99%	4 Year
Details Fair Isaac Risk Score: 750+ w/ 100% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	5.00%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 725-850; Model Year: Used 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	5.25%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 690-724; Model Year: Never Titled Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2025-2023	-	5.50%	36 months or less
Details Fair Isaac Risk Score: 725-850; Model Year: Used 2025-2023 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2026	-	5.50%	36 months or less
Details Fair Isaac Risk Score: 690-724; Model Year: Used 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	5.75%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 690-724; Model Year: Used 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - New Loan	-	5.99%	6-10 Year
Details Fair Isaac Risk Score: 750+ w/ 100% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - New Loan	-	5.99%	4 Year
Details Fair Isaac Risk Score: 720+ w/ 90% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2022-2020	-	6.00%	36 months or less
Details Fair Isaac Risk Score: 725-850; Model Year: Used 2022-2020 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2025-2023	-	6.00%	36 months or less
Details Fair Isaac Risk Score: 690-724; Model Year: Used 2025-2023 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Never Titled	-	6.50%	36 months or less
Details Fair Isaac Risk Score: 650-689; Model Year: Never Titled Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	6.50%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 725-850; Model Year: Used 2025-2023 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	6.75%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 690-724; Model Year: Used 2025-2023 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2026	-	6.99%	36 months or less
Details Fair Isaac Risk Score: 650-689; Model Year: Used 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	6.99%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 650-689; Model Year: Never Titled Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - New Loan	-	6.99%	6-10 Year
Details Fair Isaac Risk Score: 720+ w/ 90% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - Used Loan	-	6.99%	7 Year or Less
Details Fair Isaac Risk Score: 750+ w/ 100% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2019-2017	-	7.00%	36 months or less
Details Fair Isaac Risk Score: 725-850; Model Year: Used 2019-2017 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2022-2020	-	7.00%	36 months or less
Details Fair Isaac Risk Score: 690-724; Model Year: Used 2022-2020 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	7.00%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 725-850; Model Year: Used 2022-2020 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	7.50%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 690-724; Model Year: Used 2022-2020 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - New Loan	-	7.59%	3 Years of less
Details Fair Isaac Risk Score: 690+ w/ 90% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	7.75%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 725-850; Model Year: Used 2019-2017 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2025-2023	-	7.99%	36 months or less
Details Fair Isaac Risk Score: 650-689; Model Year: Used 2025-2023 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	7.99%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 650-689; Model Year: Used 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - Used Loan	-	7.99%	7 Year or Less
Details Fair Isaac Risk Score: 720+ w/ 90% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2016>	-	8.00%	36 months or less
Details Fair Isaac Risk Score: 725-850; Model Year: Used 2016> Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2019-2017	-	8.00%	36 months or less
Details Fair Isaac Risk Score: 690-724; Model Year: Used 2019-2017 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	8.50%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 690-724; Model Year: Used 2019-2017 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - New Loan	-	8.59%	4 Year
Details Fair Isaac Risk Score: 690+ w/ 90% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2022-2020	-	8.99%	36 months or less
Details Fair Isaac Risk Score: 650-689; Model Year: Used 2022-2020 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	8.99%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 650-689; Model Year: Used 2025-2023 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - New Loan	-	8.99%	3 Years of less
Details Fair Isaac Risk Score: 650+ w/ 80% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2016>	-	9.00%	36 months or less
Details Fair Isaac Risk Score: 690-724; Model Year: Used 2016> Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	9.25%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 625-649; Model Year: Never Titled Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - New Loan	-	9.59%	6-10 Year
Details Fair Isaac Risk Score: 690+ w/ 90% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2016>	-	9.99%	36 months or less
Details Fair Isaac Risk Score: 650-689; Model Year: Used 2016> Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2019-2017	-	9.99%	36 months or less
Details Fair Isaac Risk Score: 650-689; Model Year: Used 2019-2017 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	9.99%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 650-689; Model Year: Used 2022-2020 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - New Loan	-	9.99%	4 Year
Details Fair Isaac Risk Score: 650+ w/ 80% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Never Titled	-	10.00%	36 months or less
Details Fair Isaac Risk Score: 625-649; Model Year: Never Titled Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	10.00%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 625-649; Model Year: Used 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - Used Loan	-	10.49%	7 Year or Less
Details Fair Isaac Risk Score: 690+ w/ 90% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2025-2023	-	10.99%	36 months or less
Details Fair Isaac Risk Score: 625-649; Model Year: Used 2025-2023 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2026	-	10.99%	36 months or less
Details Fair Isaac Risk Score: 625-649; Model Year: Used 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	10.99%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 650-689; Model Year: Used 2019-2017 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - New Loan	-	10.99%	3 Years of less
Details Fair Isaac Risk Score: 625-649 w/ 80% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	11.25%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 625-649; Model Year: Used 2025-2023 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - New Loan	-	11.99%	6-10 Year
Details Fair Isaac Risk Score: 650+ w/ 80% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - New Loan	-	11.99%	4 Year
Details Fair Isaac Risk Score: 625-649 w/ 80% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2022-2020	-	12.00%	36 months or less
Details Fair Isaac Risk Score: 625-649; Model Year: Used 2022-2020 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	12.00%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 625-649; Model Year: Used 2022-2020 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Never Titled	-	12.50%	36 months or less
Details Fair Isaac Risk Score: <624 or **; Model Year: Never Titled Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	12.50%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: <624 or; Model Year: Never Titled; Co-signer with 700 or higher score required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2019-2017	-	12.99%	36 months or less
Details Fair Isaac Risk Score: 625-649; Model Year: Used 2019-2017 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2025-2023	-	12.99%	36 months or less
Details Fair Isaac Risk Score: <624 or **; Model Year: Used 2025-2023 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2026	-	12.99%	36 months or less
Details Fair Isaac Risk Score: <624 or **; Model Year: Used 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - Used Loan	-	12.99%	7 Year or Less
Details Fair Isaac Risk Score: 650+ w/ 80% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	13.00%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: <624 or; Model Year: Used 2026; Co-signer with 700 or higher score required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	13.50%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: 625-649; Model Year: Used 2019-2017 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	13.75%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: <624 or; Model Year: Used 2025-2023; Co-signer with 700 or higher score required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2016>	-	13.99%	36 months or less
Details Fair Isaac Risk Score: 625-649; Model Year: Used 2016> Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2022-2020	-	13.99%	36 months or less
Details Fair Isaac Risk Score: <624 or **; Model Year: Used 2022-2020 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	14.25%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: <624 or; Model Year: Used 2022-2020; Co-signer with 700 or higher score required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2019-2017	-	14.50%	36 months or less
Details Fair Isaac Risk Score: <624 or **; Model Year: Used 2019-2017 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loans	-	14.95%	37 months
Details Term: 37 months up to 72 months; Fair Isaac Risk Score: <624 or; Model Year: Used 2019-2017; Co-signer with 700 or higher score required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle Loan - Used 2016>	-	14.99%	36 months or less
Details Fair Isaac Risk Score: <624 or **; Model Year: Used 2016> Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - New Loan	-	14.99%	6-10 Year
Details Fair Isaac Risk Score: 625-649 w/ 80% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Recreational Vehicles and Trailers - Used Loan	-	14.99%	7 Year or Less
Details Fair Isaac Risk Score: 625-649 w/ 80% Financing; Max Term and Amount: 120 Months, $50,000 Max Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Highway Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	7.99%
Details Special rate on new purchases; Offer subject to change without notice Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Highway Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	7.75%	12-18 Months
Details Fair Isaac Risk Score: 750-Above; Signature loans up to $9,000; rate type not labeled in table Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Loans	8.25%	19-36 Months
Details Fair Isaac Risk Score: 750-Above; Signature loans up to $9,000; rate type not labeled in table Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.50% → 8.25% ▼ 1.25 pts · high 9.50% / low 8.25% Sep 17, 20268.25%▼ from 9.50% Sep 14, 20269.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Loans	8.25%	12-18 Months
Details Fair Isaac Risk Score: 749-700; Signature loans up to $9,000; rate type not labeled in table Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.25% ▲ 0.50 pts · high 8.25% / low 7.75% Sep 17, 20268.25%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Loans	9.50%	19-36 Months
Details Fair Isaac Risk Score: 749-700; Signature loans up to $9,000; rate type not labeled in table Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Loans	9.75%	37-60 Months
Details Fair Isaac Risk Score: 750-Above; Signature loans up to $9,000; rate type not labeled in table Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Loans	10.75%	37-60 Months
Details Fair Isaac Risk Score: 749-700; Signature loans up to $9,000; rate type not labeled in table Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.75% → 10.75% ▲ 1.00 pts · high 10.75% / low 9.75% Sep 17, 202610.75%▲ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Loans	10.75%	12-18 Months
Details Fair Isaac Risk Score: 699-650; Signature loans up to $9,000; rate type not labeled in table Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 12.50% → 10.75% ▼ 1.75 pts · high 12.50% / low 10.75% Sep 17, 202610.75%▼ from 12.50% Sep 14, 202612.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Loans	12.00%	19-36 Months
Details Fair Isaac Risk Score: 699-650; Signature loans up to $9,000; rate type not labeled in table Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Loans	12.50%	12-18 Months
Details Fair Isaac Risk Score: 649-625; Signature loans up to $9,000; rate type not labeled in table Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Loans	12.75%	37-60 Months
Details Fair Isaac Risk Score: 699-650; Signature loans up to $9,000; rate type not labeled in table Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Loans	13.50%	19-36 Months
Details Fair Isaac Risk Score: 649-625; Signature loans up to $9,000; rate type not labeled in table Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Loans	14.50%	37-60 Months
Details Fair Isaac Risk Score: 649-625; Signature loans up to $9,000; rate type not labeled in table Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 14.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Loans	15.95%	12-18 Months
Details Fair Isaac Risk Score: <624 or **; Signature loans up to $9,000; requires co-signer with 700 score or higher; rate type not labeled in table Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 15.95% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Loans	16.95%	19-36 Months
Details Fair Isaac Risk Score: <624 or **; Signature loans up to $9,000; requires co-signer with 700 score or higher; rate type not labeled in table Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 16.95% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Loans	17.95%	37-60 Months
Details Fair Isaac Risk Score: <624 or **; Signature loans up to $9,000; requires co-signer with 700 score or higher; rate type not labeled in table Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 17.95% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Highway Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA Accounts	-	-	4.00%
Min Deposit $0 Min Balance $50 Details Dividends compounded and credited quarterly; Balance Method: Average Daily Balance; Yearly maintenance fee $10.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

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.

Financial Health History

Highway Federal Credit Union’s Texas Ratio rose from 1.14% in Q3 2023 to 3.82% 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.

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
June 30, 2026	$35M	3.82%	5.0	A+
March 31, 2026	$35M	3.67%	5.0	A+
December 31, 2025	$34M	3.07%	5.0	A+
September 30, 2025	$33M	2.71%	5.0	A+
June 30, 2025	$33M	1.76%	5.0	A+
March 31, 2025	$32M	2.08%	5.0	A+
December 31, 2024	$30M	0.19%	5.0	A+
September 30, 2024	$30M	0.90%	5.0	A+
June 30, 2024	$31M	0.66%	5.0	A+
March 31, 2024	$30M	1.52%	5.0	A+
December 31, 2023	$29M	1.47%	5.0	A+
September 30, 2023	$29M	1.14%	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 Highway 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 Highway 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 Highway Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Highway Federal Credit Union

Website https://highwayfcu.org

Address 405 Laurel St, Hughestown, PA 18640

Phone 570-602-7400

Fax 570-602-7402

President Robert Havard

CEO TRACEY CAREY

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 2

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

3.82%

Return on Assets (ROA)

0.5253%

Return on Equity (ROE)

2.8934%

Non-Performing Loans Ratio (NPL)

2.00%

Total Assets

35,026,549

Total Amount of Shares and Deposits

29,322,530

Total Shares and Deposits < 1 Year

27,252,528

Total Shares and Deposits 1 3 Years

2,070,002

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

4,302,810

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

4,302,810

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

25,019,720

Total Interest Expense (Sum of items 6 8)

148,063

Share Certificates

218

Number of Accounts for Share Drafts

1,565

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,001

Non Member Deposits

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)

9,991,581

Total Liabilities

28,667,898

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Highway Federal Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Highway Federal Credit Union

How many branches does Highway Federal Credit Union operate?

Highway 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 Highway Federal Credit Union?

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

Does Highway Federal Credit Union offer online and mobile banking?

Most modern institutions like Highway 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://highwayfcu.org.

Current Highway Federal Credit Union Rates

Savings0.15%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Highway Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Highway Federal Credit Union Texas Ratio

Highway Federal Credit Union Health Trend

Highway Federal Credit Union Savings Rates

Highway Federal Credit Union Home Equity & HELOC

Highway Federal Credit Union Auto Loan Rates

Highway Federal Credit Union RV, Boat and Powersport Loan Rates

Highway Federal Credit Union Credit Card Rates

Highway Federal Credit Union Personal Loan Rates

Highway Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Highway Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Highway Federal Credit Union

How many branches does Highway Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Highway Federal Credit Union offer online and mobile banking?

Current Highway Federal Credit Union Rates

Compare to Other Credit Unions