At a glance
From its website, read 2 Nov 2026Priority Trust Credit Union is a credit union based in Houston, Texas. Its website describes auto loans, energy-efficiency loans, home repair loans and 2 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (832) 912-2153 source |
|---|---|
| Apply online | Page with the application link |
| Website | prioritytrustcu.org |
| Office (official list) | 9998 Almeda Genoa Rd, Houston, TX 77075 |
What their website says about applying
Get started with our quick online application.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Energy / solar / efficiency loans | Rate stated, not as an APR: see their wording | Up to 6.99% | source |
| Energy / solar / efficiency loans | Rate stated, not as an APR: see their wording | Up to 7.49% | source |
| Energy / solar / efficiency loans | Rate stated, not as an APR: see their wording | Up to 7.99% | source |
| Energy / solar / efficiency loans | Term: see their wording | Access up to $50,000 with terms up to 240 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 29 Jan 2022 |
| RSSD ID | 947495 |
| Address | 9998 Almeda Genoa Rd, Houston, TX 77075 Directions (Google Maps) |
| Website | prioritytrustcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Service area and membership eligibility were not stated on the pages fetched; the Texas reference applies to the Smart-E loan. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Looking for financing? At Priority Trust you can set your sights on finding a loan for your next new or used vehicle. | source |
| Energy / solar / efficiency loans | — | This loan is your key to a wide array of home improvements, from solar panel installations to energy-efficient upgrades | source |
| Home repair / improvement loans | up to $50,000 | Access up to $50,000 with terms up to 240 months, no prepayment penalties | source |
| Home mortgages | — | Welcome to the Priority Trust Mortgage and Home Buying Center. | source |
| Personal / consumer loans | — | Priority Trust Credit Union offers personal loans designed to fit your life | source |
Loan sizes
Access up to $50,000 with terms up to 240 months, no prepayment penalties
source
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Get started with our quick online application.
source
Pages read (7)
- https://prioritytrustcu.org/
- https://prioritytrustcu.org/loans/homes/
- https://prioritytrustcu.org/loans/vehicle/
- https://prioritytrustcu.org/loans/personal/
- https://prioritytrustcu.org/loans/homes/home-equity/
- https://prioritytrustcu.org/loans/vehicle/inventory/
- https://prioritytrustcu.org/loans/homes/smart-e-loan/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and energy-efficiency loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.5 million in 4 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2021 | CDFI Rapid Response Program | $1,400,000 |
| 2020 | CDFI Program, Financial Assistance | $557,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as PRIORITY TRUST (charter 61457). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $191.4 million (as of 30 Jun 2026) |
|---|---|
| Members | 27,109 (as of 30 Jun 2026) |
| Offices | 6 (as of 30 Jun 2026) |
Offices by state and county (6)
Texas (6 offices)
- Harris County (6): 9998 Almeda Genoa Rd, Houston 77075 (main office); 608 E Tidwell Rd, Houston 77022; 611 Walker St, Houston 77002; 6500 Rookin St, Houston 77074; 19506 Highway 59 N, Humble 77338; 9166 FM 2920 Rd, Tomball 77375
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Priority Trust Credit Union (NCUA charter 61457, filed as “PRIORITY TRUST”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $139.9 million, 8,067 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 2.5% from $143.6 million on 30 Jun 2025 |
| Members | 27,109 (as of 30 Jun 2026); 29,530 (as of 30 Jun 2025) |
| Loans per member | $5,161 (total loans divided by members, 30 Jun 2026) |
| Total assets | $191.4 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $30.5 million | 21.8% |
| Used vehicle loans | $57.7 million | 41.2% |
| First-lien home mortgages (1-4 family) | $29.2 million | 20.9% |
| Other real estate loans (junior liens, other) | $8.2 million | 5.9% |
| Credit cards | $1.6 million | 1.2% |
| Other unsecured loans | $10.4 million | 7.4% |
| Leases and other secured loans | $2.3 million | 1.6% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $191.4 million | Larger than 50% of the 14 other certified credit unions in Texas (median $169.8 million). |
| Loans as a share of assets | 73% | Median of the same 14 credit unions: 74%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $143.6 million → $139.9 million (-3%) | Median change of 14 other certified credit unions in Texas: +5%. Rank by loans held among these 15: 7 → 7. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Texas | 14 | larger than 50% |
| Loans held then vs now | certified credit unions in Texas reporting both dates | 14 | rank 7 → 7 of 15 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Houston and Texas
- Houston Business development, Inc.Loan fund · Houston, TXCommercial real estate loans, Equipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- LIGHT COMMERCE CREDIT UNIONCredit union · Houston, TXAuto / vehicle loansVerified
- Sykes Equity LLC d/b/a Private LeverageLoan fund · Houston, TXCommercial real estate loansVerified
- Texas Bay Credit UnionCredit union · Houston, TXOfficial list only
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