Unsecured Loans


We know everyone has different situations. That's why we offer a variety of loans to meet your needs.

Co-Maker Loan

The Co-Maker Loan from HTFFFCU is a great loan for people who are just beginning their credit history or are trying to fix any credit problems that they may have had in the past.

This is a signature loan that is co-signed by up to 20 active or retired Houston Firefighters who are members of the credit union in good standing. With a maximum amount of $5,000 and a term of 36 months, this loan is an excellent way to consolidate those high interest credit cards or pay off those old school loans.

Reminder: When turning in a co-maker application, please allow 5 business days for processing and verification.

Insurance Loan

Are you in need of insurance for you home or auto? You can get it right here at your credit union. You can finance either a 6 month insurance policy with a payment term of 5 months or a 12 month insurance policy with a payment term of 11 months.

Line of Credit

This unsecured line of credit is a great way to obtain instant cash, in case you ever need it for an emergency. You can transfer funds using HTFFFCU Online, PATT, in person at any branch or simply by calling the Member Service Center. Ranging in amounts from $500 to $10,000, a line of credit can also be attached to your checking account and can serve as a low rate over draft protection in case there is no money in your savings account to cover any checks that may come through your checking. Similar to a credit card, as you pay down the balance of your line of credit, you have credit available to use again.

Signature Loan

With a limit up to $10,000, a Signature Loan from HTFFFCU is another perfect way to pay off those high interest credit cards or to consolidate past bills. Also, with terms up to 36 months, this loan can work with any budget.


Unsecured Loan Rates updated as of July 1, 2019

Loan Type Term in Months Fixed Rate APR*
Co-Maker Loan 36 5.90%
Line of Credit Revolving 9.35% - 14.50%
Signature Loan (includes Insurance Loan) 1-36 8.35% - 16.50%
Signature Loan (if homeowner) 37-60 10.35% - 14.50%
Signature Loan (if homeowner) 61-84 12.35% - 16.50%

All rates are subject to change without notice. Some restrictions apply.