In Houston, where dreams of the perfect home or car take shape against a backdrop of bustling city life and quiet neighborhoods, Houston Federal Credit Union (HFCU) offers a compelling alternative to loans from traditional banks. Deeply integrated into the community, HFCU responds to its members' unique needs, redefining modern lending with a focus not on profit, but on promoting members' financial well-being and satisfaction.
eVIP Auto Buying Service: Your Edge in Car Buying
Driving Dreams, Building Futures: Discover HFCU's Unique Approach to Loans
By StoryStudio on MARCH 25, 2024
Navigating Economic Challenges with HFCU: A Personalized Approach to Lending
Flexibility and support stand as the foundational pillars of HFCU’s lending services, both critical factors in navigating today’s economic environment. “The economy in general is challenging right now,” says Eric Moeller, Vice President of Consumer Lending at HFCU. “Everyone feels it: credit scores are dropping and rates are going up.” Amidst this turmoil, HFCU supports its members with auto and mortgage loans that combine competitive rates with a level of personalized service rarely found in larger banking institutions. “That’s what we’re here for. We make things happen for our clients,” says Moeller.
Unwanted hair growth is something many of us deal with. The days of stubborn shaving, razor bumps, and ingrown hairs are over thanks to laser hair removal, a simple treatment that will save you time, money, and stress when it comes to hair growth. Laser hair removal is a convenient and fast treatment (averaging around 30 minutes per session) that utilizes a concentrated beam of light laser to remove hair and inhibit future hair growth in the area. The treatment is largely pain-free; however, clients will need to keep the treated area(s) out of the sun for a week following treatment.
SPONSORED BY HFCU
Laser Hair Removal
Botox and Fillers
Botox and fillers are a fantastic option for those looking to reduce the appearance of wrinkles, fine lines or add some plump to your lips. Using a very thin needle, medical professionals administer the treatment into the desired areas of the face. Typically, injectables and dermal fillers involve minimal discomfort, and most clients can return to their day-to-day responsibilities immediately after treatment. In all stages of your beauty journey, your aesthetic consultant can detail each offering including effective wrinkle relaxers like Botox , FDA-approved lip fillers, and more to ensure your choice aligns best with your goals.
Ultherapy
Usually starting around age 25 when our bodies begin to produce less collagen, we notice changes, or sagging, in our skin. Ultherapy skin lifting is the FDA- cleared solution you need to build that collagen bank back up to restore plump, tight and youthful looking skin. Ultherapy uses safe ultrasound energy to naturally initiate the production of new collagen deep within your skin. You’ll see skin tightening results after the first treatment and continued improvement for up to six months. The team of trusted advisors can put together a treatment plan tailored to your individual needs, setting you up for your perfect skin.
IPL Photofacial
IPL Photofacial uses pulses of light energy to fade age spots, sunspots and freckles, while evening out skin tone, redness and hyperpigmentation. This FDA-approved treatment targets and gently heats the red and brown areas of your skin impacted by sun damage, ultimately causing them to flake off and unveil clearer, brighter skin for a makeup look without the makeup. For those interested in anti-aging results for your skin, IPL Photofacial provides a quick, effective, and affordable method to achieve radiant looking skin.
CoolSculpting
We’re all on a journey toward looking and feeling our best. Many people, however, wrestle with stubborn fat even after exhausting all efforts to work it out. Enter CoolSculpting , a noninvasive, FDA-cleared treatment that utilizes patented, controlled cooling technology to eliminate up to 25% of fat cells in the desired area without the need for surgery. CoolSculpting targets problem areas beneath the skin to freeze, kill and ultimately destroy only the fat cells from the body, producing lasting results that you will love. After just two sessions, clients will see a 73% greater fat reduction versus just one treatment.
CoolTone
It’s like 20,000 sit ups in 30 minutes. The abdomen, buttocks and thighs can be targeted with CoolTone treatments that produce tighter and firmer results that will last. Under a process called magnetic muscle stimulation (MMS) initiated by CoolTone technology, muscles undergo involuntary contractions, therefore strengthening the muscles within the treatment area. This process feels similar to that of an odd muscle spasm or twitch, however for the large majority of patients it is not at all painful. Results are typically noticeable after four weeks of treatment. CoolTone is FDA-cleared and backed by science, designed for anyone looking to become more toned without any recovery time.
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HFCU is distinguished by its commitment to providing exceptional, community-focused service. When members reach out, they're greeted by loan officers who are not just experts in finance but are also neighbors, deeply invested in the well-being and financial success of their community members. "We’re a community here. Our loan officers care, and I love that I have a team that wants to make people's dreams come true,” Walker says. “And when you call in, you’re going to be talking to someone who lives in the same town you do.” Moeller echoes Walker’s sentiments: “We’ve got your back,” he says. “When members have concerns or issues, we’re there for them—on anything. It’s more of a relationship here, rather than trying to make a dollar and calling it a day.” Whether discussing loan options over the phone or meeting in person to finalize details, HFCU's staff provides a level of care and expertise that's rare in today's financial landscape.
Vehicle Loans
Mortgage Loans
HFCU’s electronic Vehicle Instant Purchase (eVIP) check service offers an advantage even before buyers set foot in a dealership. * By providing qualified members with a pre-approved loan, HFCU empowers them with a blank check to make the purchase. This gives buyers significant leverage to negotiate the best possible deal without the distractions and pressures of dealership financing. “We get a check in the hand of the borrower so they go to the dealer ready to buy. Rather than shuffling paperwork back and forth, they can say, “I have financing right now,” Moeller says.
Experience more affordable financing on your new or used vehicle. HFCU currently has new auto loan rates as low as 5.14% APR¹, and used auto loan rates as low as 5.44% APR¹. Apply for your auto loan today!
Apply Today
Another standout feature of HFCU's mortgage offerings is low-interest rates that make financing a home more affordable. Coupled with low-cost closing policies, HFCU provides value that extends beyond the life of your loan. “We stay competitive with interest rates, and in terms of fees, ours are among the lowest in credit unions or banks period,” Walker says, “and we don’t charge what they call an origination point fee, which is an industry standard add-on.” Eliminating the standard one percent fee charged on most mortgage loans translates into thousands of dollars saved for HFCU’s members. Just as HFCU works to take the stress out of securing an auto loan, Walker emphasizes the credit union's dedication to creating personalized mortgage
"We’re a community here. Our loan officers care, and I love that I have a team that wants to make people's dreams come true."
HFCU’s mortgage solutions reflect the same innovative and member-focused philosophy as their auto loans. Whether buying a first home, upgrading, or refinancing, HFCU offers a suite of mortgage options to fit every need and budget. Members have the guidance they need to find the right mortgage solution, and even better, to get it done quickly. This is a crucial aspect of buying in a competitive housing market, where timing is everything.
“Speed is very important because of the way the market is right now,” says Angela Walker, HFCU’s Vice President of Mortgage Lending. “You put in an offer for a house, you might have five or ten other buyers that put in offers as well.” Recognizing the critical role timing plays in securing a new home, HFCU streamlines the mortgage process to outpace the competition. Walker says, “It’s typical in the industry for a mortgage loan to take 30 to 45, even 60 days to close. For a credit union like us—with our processes in-house—we get that loan closed fast, in anywhere from 14 to 21 days, and sometimes even sooner.”
Auto Financing: Flexible Financing Options Tailored for You
With HFCU, financing your car is more than a transaction—it's a personalized journey tailored to fit your needs and budget. Understanding that each member's situation is unique, the credit union offers auto loans with terms of up to 84 months, providing the flexibility necessary to ensure payments are manageable. By combining HFCU’s competitive interest rates with dealer rebates, members often do better than the 0% financing deals that many dealerships advertise.
Above all, Moeller emphasizes the personal touch that HFCU members can expect: “With dealerships, there’s more of an in-and-out relationship,” he says, “but we are here for the long term. We do whatever we can for our members, from helping them obtain a clean purchase order, making sure they’re getting a fair price for trade-ins, and even pulling up the retail value to make sure that our members are not overpaying for vehicles. That’s what I do with my family, and that’s what we do for our members as well.”
Your Home Financing Partner: Streamlined and Expedited
Community First: Personalized Service at HFCU
Disclosure:
*eVIP program subject to certain credit criteria. Available at participating dealerships within the greater Houston, TX and Greenville, SC areas. May be used for the purchase of new or used automobiles, trucks or SUVs. May not be used for sales between private parties or to purchase reconditioned, salvaged, or auctioned vehicles. Other restrictions may apply. See Credit Union for additional terms and conditions.
¹APR is Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Stated “rates as low as” apply to well-qualified applicants. Loan term, loan to value (LTV) and/or down payment, for example, may vary based upon your credit history. Current rates are effective April 1, 2024 through April 30, 2024. Other restrictions may apply and rates are subject to change without notice. Talk to a loan officer for details. Loan term for 72-84 months require a $20,000 minimum loan. Payment examples: New autos: 60 monthly payments of approximately $19.17 per $1,000 borrowed at 5.65% APR. Used autos: 60 monthly payments of approximately $19.31 per $1,000 borrowed at 5.95% APR. For deferred payment option, interest accrues during deferral period. HFCU is an equal opportunity lender.
Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5. Must be eligible for membership. Other restrictions may apply. Houston Federal Credit Union NMLS #673404.
We’re a community here. Our loan officers care, and I love that I have a team that wants to make people's dreams come true.
Another standout feature of HFCU's mortgage offerings is low-interest rates that make financing a home more affordable. Coupled with low-cost closing policies, HFCU provides value that extends beyond the life of your loan. “We stay competitive with interest rates, and in terms of fees, ours are among the lowest in credit unions or banks period,” Walker says, “and we don’t charge what they call an origination point fee, which is an industry standard add-on.” Eliminating the standard one percent fee charged on most mortgage loans translates into thousands of dollars saved for HFCU’s members. Just as HFCU works to take the stress out of securing an auto loan, Walker emphasizes the credit union's dedication to creating personalized mortgage solutions. “I believe in making deals,” she says. “The difference with a lot of big companies is that they may see a lower credit score, and they don’t want to bother trying to make it work. At HFCU, we ask, “What can we do to make this work?”
Serving a growing family of over 69,000 members, HFCU’s bespoke approach means every member feels supported and understood. Are you ready to start your journey with HFCU? Visit houstonfcu.org or call (844) VIP-HFCU for more information on how they can help you drive away in your dream car or unlock the door to your new home today.
- Angela Walker
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Navigating Economic Challenges with HFCU: A Personalized Approach to Lending
Auto Financing: Flexible Financing Options Tailored for You
HFCU’s mortgage solutions reflect the same innovative and member-focused philosophy as their auto loans. Whether buying a first home, upgrading, or refinancing, HFCU offers a suite of mortgage options to fit every need and budget. Members have the guidance they need to find the right mortgage solution, and even better, to get it done quickly. This is a crucial aspect of buying in a competitive housing market, where timing is everything.
“Speed is very important because of the way the market is right now,” says Angela Walker, HFCU’s Vice President of Mortgage Lending. “You put in an offer for a house, you might have five or ten other buyers that put in offers as well.” Recognizing the critical role timing plays in securing a new home, HFCU streamlines the mortgage process to outpace the competition. Walker says, “It’s typical in the industry for a mortgage loan to take 30 to 45, even 60 days to close. For a credit union like us—with our processes in-house—we get that loan closed fast, in anywhere from 14 to 21 days, and sometimes even sooner.”
eVIP Auto Buying Service: Your Edge in Car Buying
HFCU is distinguished by its commitment to providing exceptional, community-focused service. When members reach out, they're greeted by loan officers who are not just experts in finance but are also neighbors, deeply invested in the well-being and financial success of their community members. "We’re a community here. Our loan officers care, and I love that I have a team that wants to make people's dreams come true,” Walker says. “And when you call in, you’re going to be talking to someone who lives in the same town you do.” Moeller echoes Walker’s sentiments: “We’ve got your back,” he says. “When members have concerns or issues, we’re there for them—on anything. It’s more of a relationship here, rather than trying to make a dollar and calling it a day.” Whether discussing loan options over the phone or meeting in person to finalize details, HFCU's staff provides a level of care and expertise that's rare in today's financial landscape.
Your Home Financing Partner: Streamlined and Expedited
Another standout feature of HFCU's mortgage offerings is low-interest rates that make financing a home more affordable. Coupled with low-cost closing policies, HFCU provides value that extends beyond the life of your loan. “We stay competitive with interest rates, and in terms of fees, ours are among the lowest in credit unions or banks period,” Walker says, “and we don’t charge what they call an origination point fee, which is an industry standard add-on.” Eliminating the standard one percent fee charged on most mortgage loans translates into thousands of dollars saved for HFCU’s members. Just as HFCU works to take the stress out of securing an auto loan, Walker emphasizes the credit union's dedication to creating personalized mortgage solutions. “I believe in making deals,” she says. “The difference with a lot of big companies is that they may see a lower credit score, and they don’t want to bother trying to make it work. At HFCU, we ask, “What can we do to make this work?”
Serving a growing family of over 69,000 members, HFCU’s bespoke approach means every member feels supported and understood. Are you ready to start your journey with HFCU? Visit houstonfcu.org or call (844) VIP-HFCU for more information on how they can help you drive away in your dream car or unlock the door to your new home today.
Sponsored By HFCU
- Angela Walker
SPONSORED BY HFCU
Disclosure:
*eVIP program subject to certain credit criteria. Available at participating dealerships within the greater Houston, TX and Greenville, SC areas. May be used for the purchase of new or used automobiles, trucks or SUVs. May not be used for sales between private parties or to purchase reconditioned, salvaged, or auctioned vehicles. Other restrictions may apply. See Credit Union for additional terms and conditions.
¹APR is Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Stated “rates as low as” apply to well-qualified applicants. Loan term, loan to value (LTV) and/or down payment, for example, may vary based upon your credit history. Current rates are effective April 1, 2024 through April 30, 2024. Other restrictions may apply and rates are subject to change without notice. Talk to a loan officer for details. Loan term for 72-84 months require a $20,000 minimum loan. Payment examples: New autos: 60 monthly payments of approximately $19.17 per $1,000 borrowed at 5.65% APR. Used autos: 60 monthly payments of approximately $19.31 per $1,000 borrowed at 5.95% APR. For deferred payment option, interest accrues during deferral period. HFCU is an equal opportunity lender.
Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5. Must be eligible for membership. Other restrictions may apply. Houston Federal Credit Union NMLS #673404.