Southern Star

16035 W Little York Rd, Houston, TX 77084

NCUA Insured4.1 (21 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1953

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 1953

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

16035 W Little York Rd

Houston, TX 77084

Google Maps 🗺Waze

(713) 934-1460

Service Area

This credit union is located in Houston and serves members in the TX area. Currently serving 2,760 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

6.75%

Used Auto Loan

7.00%

Personal Loan

11.50%

Credit Card APR

9.90%

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(1 total)

Member Reviews

4.1

21 Google reviews

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

View on Google Maps

Denis Amaya

2 months ago

I decided to close my account because I filled out two applications for a loan in two different occasions and I never heard back from them

T Miller

2 years ago

Small mom and pop credit union lacking a lot of common day banking technologies. No ATM cash deposits, rudimentary online banking with no bill pay, one location, closed weekends and they use a 3rd party banking app. Each transaction is followed by a "TRACE" comment so you have a bunch of garbage in your transaction history you can't stop or filter out. Their credit union also won't connect to MINT which I tried to solve unsuccessfully. They accidentally deposited 3k of mine into someone else's account once and they lost or stole $500 in cash when I went to exchange $20s for $100s recently. It was after that I had no choice but to move my loan and close my accounts. It was THE worst credit union I have ever done business with. I highly recommend not using SouthernStar. It was a relief to get out of this place.

Maxine

5 years ago

I have been a member since 2008, very helpful service and great finance rates. Recently bought a luxury SUV and they have an easy loan application and approval process - highly recommend this institution for their service and products

Craig Kooken

6 years ago

Love Southern Star Credit Union! I have been a member for over 30 years & they are the best. Patrica & Debbie will work with you.

Rene Quintanilla

4 years ago

I’ve been a member of southern star credit union since early 90’s and have been a pleasure to be a member all these years. Thank you for making us feel like family.❤️