CTECU
President - Manager: Jackie Kapalski
Office Hours	Locations	Phone	Fax
8:00 A. M. till 4:00 P. M. Monday thru Friday Restricted Access Location P. O. Box 430 Bellaire, TX 77402-0430	Main - Restricted Access Location 4800 Fournace Place, BTF-B, Room 116 Bellaire, TX 77401 Branch 3100 Wilcrest, Suite 141 Houston, TX 77042 Branch 1415 Louisiana, Suite 100 Houston, TX 77002	(713) 432-6572 (Main) (713) 432-6640 (Loan) (713) 532-7570 (Branch, Wilcrest) (713) 650-3400 (Branch, Louisiana) 1 (888) 658-2328	(713) 432-6561 (Main) (713) 532-7578 (Branch, Wilcrest) (713) 650-3401 (Branch, Louisiana) Audio Response (713) 432-6567

Members Service Centers

Member Shared Branching
- Find Service Center Link 1
- FAQs

CTECU has been awarded the 5-Star Rating from BauerFinancial. The 5-Star rating is a "Superior rating" that means our institution is one of the strongest in the country!

No Headache
Credit Union Auto Buying
Free Online Price Guide

Loans —
Used Autos & Trucks | Late Model Car | Specialty or Classic Car | Motorcycles (Used) |
Used Boat Motor and Trailer, RV's, Campers and 4-Wheelers

Used Autos and Trucks (5 years and older)

Term	Rate (APR)
24 month	7.25%
36 month	7.75%
48 month	8.25%
Used cars are 5 years old or older. Financing is based on the NADA trade-in value as listed in a current NADA price guide. Full coverage insurance showing CTECU as the loss payee and a dealer contract or legal description of the vehicle including mileage is required. Title showing CTECU as lien holder.

Late Model Car

Includes 2005, 2006, 2007, 2008 year models

Term	Rate (APR)
24 month	6.50%
36 month	7.00%
48 month	7.50%
60 month	8.00%
72 month* (*$15,000 minimum)	8.15%
Late model cars are 4 years old or younger, not new. Full coverage insurance showing CTECU as the loss payee and a dealer contract or legal description of the vehicle including mileage is required. Title showing CTECU as lien holder.

Specialty or Classic Car

80% of certified appraised value

Term	Rate (APR)
3 year	8.75%
5 year	9.50%
Full coverage insurance showing CTECU as the loss payee. A dealer contract or legal description of the vehicle including mileage. Certified appraisal. Title showing CTECU as lien holder.

Motorcycles (Used)

80% of appraised value

Term	Rate (APR)
4 year	9.50%

Used Boat Motor and Trailer, RV's, Campers and 4-Wheelers

Up to 80% appraisal or 100% NADA wholesale value

Term	Rate (APR)
24 month	7.00%
36 month	7.50%
48 month	8.00%
60 month	8.50%
Full coverage insurance showing CTECU as loss payee. Condition survey and appraisal if not purchased through dealer. Title showing CTECU as lien holder.

Disclosure: Loans are for qualified applicants. APR denotes Annual Percentage Rate. These loan rates and terms are subject to change upon Board of Directors discretion.

Auto Exam Automobile Services

Friendly Reminder....Some links listed here are external to this site. They are not under our management or control and the accuracy of the information provided is not guaranteed by CTECU.

Used Vehicles

Branch Location

3100 Wilcrest, Suite 141
Houston, TX 77042
713 532-7570 (Phone)
713 532-7578 (Fax)

1415 Louisiana, Suite 100
Houston TX 77002
713 650-3400 (Phone)
713 650-3401 (Fax)

Loans — Used Autos & Trucks | Late Model Car | Specialty or Classic Car | Motorcycles (Used) | Used Boat Motor and Trailer, RV's, Campers and 4-Wheelers