personal loan Houston
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Personal loans can be incredibly useful financial tools, whether you’re trying to pay off revolving debt, borrow for an emergency, or fund a large expense. But the trouble can sometimes be in finding the best personal loan for you. To help, we’ve decided to take a look at personal loan options around the United States. Next up: personal loan options in Houston.

This list is focused on credit unions since they’re known for their focus on the communities they serve. That said, you can also find personal loans online or at your preferred local or larger banks if you search online or call or visit a local branch. All rates listed here are current as of July 5, 2019.¹

Some of the Best Personal Loan Options in Houston

Texas Dow Employees Credit Union (TDECU)

TDECU was created by a small group of Dow Employees and now says it’s the largest credit union in Houston. Scroll to the bottom of this page to see if you’re eligible to join.

  • Founded: 1955
  • Stats: More than 275,000 members and assets totaling more than $3.17 billion
  • Unsecured Personal Loan APR: 5.74% minimum

KBR Heritage Federal Credit Union

This credit union is for employees of Halliburton, KBR, and KBR Technology Center and their families.

  • Founded: 1953
  • Stats: More than 4,800 members and more than $84 million in assets
  • Unsecured Personal Loan APR: 6% minimum

Members Choice Credit Union

This credit union serves people in CyFair, Katy, and West Houston. You can view a list of eligible ZIP codes here.

  • Founded: 1941
  • Stats: Nearly $600 million in assets
  • Unsecured Personal Loan APR: 6.39% minimum

CTECU

Chevron employees in Texas and Chevron annuitants are eligible to join CTECU.

  • Founded: 1952
  • Stats: More than 1,600 members and $28.2 million in assets
  • Unsecured Personal Loan APR: 6.75% minimum

First Service Credit Union

In 2010, First Service Credit Union merged with Brownbuilder Federal Credit Union in 2010. The credit union has since expanded from a credit union for Brown & Root employees and their families to the communities of Harris County, Fort Bend County, and Waller County, as well as Conroe ISD and Magnolia ISD.

  • Founded: 1977
  • Stats: More than $700 million in assets and more than 55,000 members
  • Unsecured Personal Loan APR: 6.99% – 16.99%

Smart Financial Credit Union

Smart Financial Credit Union serves the counties of Brazoria, Fort Bend, Harris, and Montgomery, as well as medical industry professionals working in the counties of Chambers, Galveston, Jefferson, and Orange. Those eligible to join just do so in one of the credit union’s 15 branches.

  • Founded: 1934
  • Stats: More than $687 million in assets
  • Unsecured Personal Loan APR: 7.99% – 17.99%

Southern Star Credit Union

Membership at Southern Star Credit Union is available to employees of the following companies and their families: Dresser / Halliburton, Baker Hughes, Inc., and M-I LLC. / Smith International, Inc. Those “who live, work, worship, or attend school” in the area within 10 miles of the credit union (16035 W Little York Rd., Houston, TX 77084) can also join, as can their families.

  • Founded: 1953
  • Stats: More than $19 million in assets and more than 3,000 members
  • Unsecured Personal Loan APR: 7.40% minimum

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Energy Capital Credit Union

Energy Capital Credit Union serves a variety of people in Houston. Anyone within 10 miles of the Spring and Northwest Community branches can join, as well as those that work for the corporations listed here.

  • Founded: 1934
  • Stats: More than 17,000 members and more than $225 million in assets
  • Unsecured Personal Loan APR: 7.45% minimum

Resource One Credit Union

This credit union’s journey began as the Sears Dallas Employees Federal Credit Union and has since gone through multiple mergers and expansions.

  • Founded: 1936
  • Stats: More than $476 million in assets and more than 60,000 members
  • Unsecured Personal Loan APR: 7.75% minimum

InvesTex Credit Union

InvesTex Credit Union started out in life as Aldine Teachers Credit Union. Now, those who are part of the Lone Star College System can join, as well as the school districts and colleges listed here.

  • Founded: 1952
  • Stats: $200 million in assets
  • Unsecured Personal Loan APR: 4.99% – 15.29%

Synergy Federal Credit Union

Valero Federal Credit Union was the first iteration of Synergy Federal Credit Union. Today people who work for CST Brands, NuStar Energy, Pearson, Tesoro Corporation, and Valero Energy Corporation can join, as well as their family members and “some select employee groups.” You can see if you’re eligible by emailing info@synergyfcu.org or calling 210-345-2222 or 888-272-8228.

  • Founded: 1980
  • Stats: More than 11,500 members and more than $230 million in assets
  • Unsecured Personal Loan APR: 4.90% minimum

JSC Federal Credit Union

JSC Federal Credit Union has experienced quite a bit of growth over the years, beginning with its inception as the MSC Federal Credit Union for those who worked at the Johnson Space Center. Now, the credit union is available to people from more than 2,000 companies, organizations, and more. You can find out if you’re eligible to join by viewing the lists here.

  • Founded: 1961
  • Stats: More than 124,000 members and more than $2 billion in assets
  • Unsecured Personal Loan APR: 7.90% – 15.90%

Pearce Industries Employees Credit Union (PIE Credit Union)

PIE Credit Union was created to serve the employees of Waukesha-Pearce Industries and was named as such. Today, anyone who works or worked at Pearce Industries or who has relatives working there can join.

  • Founded: 1971
  • Stats: More than $12 million in assets and approximately 1,200 members
  • Unsecured Personal Loan APR: 8% minimum

Houston Metropolitan Federal Credit Union

Houston Metropolitan Federal Credit Union was created to serve present and former employees of the City of Houston and Harris Health Systems, as well as others. You can see an eligible company list here.

  • Founded: 1945
  • Stats: Around 16,000 members and nearly $63 million in assets
  • Unsecured Personal Loan APR: 8% – 18%

People’s Trust FCU

People’s Trust FCU was originally Shell Employees Federal Credit Union and has since changed its name and expanded to include all Houstonians who want to join.

  • Founded: 1935
  • Stats: Nearly 30,000 members in 2016
  • Unsecured Personal Loan APR: 8.01% – 18%

Navy Federal Credit Union

Service members from all branches of the armed forces (and their families) can join Navy Federal Credit Union, as can Department of Defense personnel. Learn more about membership requirements here.

  • Founded: 1933
  • Stats: More than $97 million in assets and more than eight million members
  • Unsecured Personal Loan APR: 8.19% – 18%

Houston Texas Firefighters Federal Credit Union

Anyone who is a firefighter for the Houston Fire Department or an employee of the Houston Firefighters’ Relief and Retirement Fund or the credit union itself can join, as can their relatives.

  • Founded: 1935
  • Stats: More than $260 million in assets and nearly 17,000 members
  • Unsecured Personal Loan APR: 8.35% – 16.50%

Cy-Fair Federal Credit Union

Cy-Fair Federal Credit Union serves Harris and Waller Counties, as well as family members of current members of the credit union.

  • Founded: 1956
  • Stats: More than $245 million in assets and more than 25,000 members
  • Unsecured Personal Loan APR: 8.50% minimum

BP Federal Credit Union

BP Federal Credit Union isn’t limited to BP employees. View a list of eligible companies here to see if your employer is included.

  • Founded: 1937
  • Stats: More than $100 million in assets
  • Unsecured Personal Loan APR: 8.50% minimum

MemberSource Credit Union

There are a variety of ways to be eligible for membership with MemberSource Credit Union, which started out as PT&T Federal Credit Union. The people of Fort Bend County or those within a 10-mile radius of a branch can join, as can relatives of members and members of a Select Employee Group. See a full list of eligibility requirements here.

  • Founded: 1958
  • Stats: More than $200 million in assets and 17,500 members
  • Unsecured Personal Loan APR: 8.50% – 18%

¹This list of loans is provided for informational purposes only. Upturn Credit does not endorse any particular loan or have any relationship with the lenders. You should review all product information carefully before applying for any loan.

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