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Priority Trust Credit Union is a member-owned financial cooperative offering competitive auto loans, personal loans, mortgages, credit cards, and deposit accounts with rates as low as 4.05% APR on auto financing.
Data compiled from public sources
Priority Trust Credit Union is a federally-insured credit union celebrating its 96th year of operation as a member-owned, not-for-profit financial institution. The organization serves members through a comprehensive suite of financial products and services designed to provide alternatives to traditional banking. Their marketing emphasizes personalized service and rate claims to verify, particularly highlighting their auto lending program as a core product offering.
The credit union offers a broad range of financial products including checking and savings accounts, personal signature loans and lines of credit, auto loans for vehicles 2018 or newer, motorcycle financing, ATV/4-wheeler loans, RV and camper financing, mortgages (through partnership with Member Home Loans), two Visa credit card options, and financial education resources. They also provide auto buying services through an Enterprise Car Sales partnership and a preferred dealer network, plus insurance products and member counseling services.
Priority Trust distinguishes itself through multiple rate discounts (0.25% for automatic payments, 0.50% for 20% down payment on vehicle loans), extended loan terms (up to 84 months for auto loans), and listed loan products for members with credit challenges (Second Chance Signature Loans at 18% APR). The credit union actively communicates fraud alerts and security information to members, as evidenced by their alerts regarding fake cashier's checks and impersonation scams.
As a credit union, Priority Trust operates on a member-owned cooperative model rather than shareholder-profit model, theoretically aligning incentives with member benefit. However, their personal loan rates (9.00-15.99% baseline) and credit card rates (12.25-18.00%) fall within competitive but not high listed ranges. The organization's website provides listed rate disclosure and product information, though some products like deposit account rates are not publicly displayed on their rates page.
This is state-level context for Credit Unions consumers in Houston, TX. It does not confirm that Priority Trust or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Priority Trust offers 12 services including Auto loans (2018 or newer, up to 84 months, 4.75-17.99% APR), Motorcycle loans (2018 or newer, up to 72 months, 6.45-17.99% APR), ATV and 4-wheeler loans (2018 or newer, up to 60 months, 7.00-15.99% APR), RV and camper financing, Personal signature loans (up to 60 months, 9.00-15.99% APR), and 7 more.
Priority Trust has profile signals associated with Credit union members seeking auto financing with rate claims to verify and flexible terms, Borrowers with fair to good credit who qualify for rate discounts through autopay and down payment, Individuals with past credit challenges seeking Second Chance personal loan products, Members looking for comprehensive financial services including loans, deposits, mortgages, and insurance in one institution.
Key strengths: Auto loan rates start at 4.05% APR with additional discounts available (0.25% for autopay, 0.50% for 20% down); Extended auto loan terms up to 84 months reduce monthly payment burden; Member-owned credit union structure with NCUA insurance protection. Areas to consider: Personal loan rates baseline at 9.00% APR with maximum reaching 15.99%, limiting competitiveness for well-borrowers who meet provider criteria; Credit card APR rates (12.25-18.00%) are on the higher end of market offerings.
In the Credit Unions category, comparable providers include A+ Federal Credit Union, ALLIANCE Credit Union, Security Service Federal Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Priority Trust Credit Union is profile signals for existing or prospective members seeking moderately-priced auto, personal, or mortgage financing with extended terms and flexible qualification options, particularly those with fair credit or credit challenges. The main caveat is that while their auto rates are competitive, personal loan and credit card rates are not high listed compared to other credit unions, and the institution does not publicly disclose deposit account rates or membership eligibility criteria.
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