Light Commerce

PO Box 670494, Houston, TX 77267

NCUA Insured5.0 (9 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 2004

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Houston, TX may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 2004

Low-Income Designated

Minority Depository Institution (MDI)

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

PO Box 670494

Houston, TX 77267

Google Maps 🗺Waze

(281) 876-7576

Service Area

This credit union is located in Houston and serves members in the TX area. Currently serving 819 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.76%

Used Auto Loan

7.81%

Personal Loan

12.11%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Complex Community— New Auto Loan

Odessa, TX

Houston, TX

Amarillo, TX

Hockley County— Credit Card APR

Levelland, TX

4.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

5.0

9 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Iranellia Harris

2 years ago

There are so many wonderful things I can say about my amazing credit union. Mrs. Harleen and Will are the best , they are always there help you out, I purchase a new vehicle stress free from my desk at work. between Mrs. Harleen and Will they got the deal done and all I had to do was go pick up my New Truck. New Light Commerce Credit Union at 1535 Greensmark Dr. Houston ,Tx 77067

GODSGURL Sunshine

4 years ago

I have only been apart of the N L CCU a less than a year but I really 💕 Loved the service I received from MS NICOLE. ALWAYS WILLING TO HELP. ALWAYS KIND and willing to educate me on how the system worked. SHE was very compassionate and never made me feel ignored. Blessings Ms Nicole where ever you are on your journey ❤️