Join us today to help you throughout your financial journey, and take advantage of our exclusive HPD Cadet offers!
Below is your one-stop shop for all things cadets:
All HPD Cadets are auto approved for an HPCU Gold Credit Card with NO CREDIT PULL! Open yours today and you'll receive your HPCU Gold Credit Card with the following:
During your time at the academy, if you refinance your current vehicle or buy a new one and we will give you 1% cash back2! Not only will HPD Cadets get this exclusive cash back offer, but with an auto loan from HPCU you'll get:
Need to pay off a high-interest credit card, or do you have an unexpected expense that just came up? We have a special low-rate for cadet personal loans.
If you selected, you wanted part of all of your paycheck to come to HPCU, follow the steps below:
That's it, once you've indicated you would like your check to come to HPCU we will take care of the rest!
If you selected you wanted all or part of your check to go to another financial institution, please follow the steps below:
It's easy to become a member of HPCU. With a minimum $5 opening deposit, you can join the credit union and take advantage of all the products and services we offer.
The minimum payment is 3% of your credit card balance.
To establish membership with HPCU, a primary savings share is required. The minimum deposit is $5.00. If you're joining as a cadet, we will cover your initial deposit.
As an HPD Cadet, we offer $105 in incentives for the following:
The offers listed above are exclusive to HPD Cadets and are not available to anyone else at this time.
APR = Annual Percentage Rate. Loans subject to credit approval. Rates based on loan term and credit score. All HPCU promotions are subject to change or end at any time without notice. Credit score will be established by TransUnion FICO 9. Restrictions apply. Offers are only valid 6 months from account opening. Membership eligibility is required. Subject to change based on market conditions and borrower eligibility.
1Credit Card: All new HPD Cadets are automatically approved for a gold MasterCard credit card from HPCU. Introductory rate of 0.00% APR is applicable only for the first six months on new credit cards with HPCU. Following the introductory period, a standard rate of 9.99% APR applies. Rates current as of January 1, 2024 and are subject to change based on market conditions.
2Auto Loan: HPD Cadets that finance a new or pre-owned auto or motorcycle, or refinance a new or pre-owned auto or motorcycle from another lender within 6 months of account opening are eligible for the 1% Cash Back Auto Promotion. Autos and motorcycles currently financed with HPCU are ineligible for the promotion. 1% cash back is calculated based on the final total funded loan amount, including any ancillary products, with a maximum payout of $500. Cash back will be deposited to the member account at the time of funding. We reserve the right to recover the 1% cash back amount earned if the loan is closed, paid off or refinanced within the first year. Amounts earned may be reported to the IRS. Rate may vary based on longer term and/or credit score. Qualifying HPCU criteria applies for all loans. Maximum qualifying term may vary based on year of collateral. Refinance restrictions apply.
3Personal Loan: Payment example- At 7.00% APR on a $10,000 loan with a 72-month term, monthly payment would be approximately $170.77. Minimum loan amount cannot be less that $500. Maximum loan amount cannot exceed $40,000 including all other unsecured debts with HPCU per membership. Maximum term is based on other qualifications.
Membership is open to active or retired law enforcement officers and civilian employees within the Houston Metropolitan Statistical Area and their families. The Houston Metropolitan Statistical Area consists of Austin, Brazoria, Chambers, Fort Bend, Galveston, Harris, Liberty, Montgomery, San Jacinto, and Waller counties.
We make it easy to open a savings account and become a member of HPCU!
