Chattel lenders
Credit Human Federal Credit Union
Credit Human is a federally chartered credit union headquartered in San Antonio. It is a not-for-profit, member-owned financial cooperative, chartered in 1935, and describes itself as a $4 billion credit union serving 250,000+ members across the U.S.
For manufactured housing, the site lists Manufactured Housing Loans and SustainableHomes financing among its home loan products, and a Partner with Credit Human section covering manufactured housing and SustainableHome loans for businesses. Other lending includes traditional home loans, refinancing, home equity and home improvement loans, car and truck loans, auto refinancing and vehicle equity loans, boat and other vehicle loans, share certificate secured loans, personal loans and lines of credit, education loans, and small business and commercial loans.
Deposit products include free, dividend, and sensible spend checking, share, minor, and money market savings, liquid share certificates, and traditional and Roth IRA certificates. Members bank through Financial Health Centers in San Antonio, Houston, and New Orleans, which are open to everyone regardless of membership, through interactive teller machines, through more than 55,000 Allpoint ATMs, and through over 5,550 shared branches in the Co-Op Shared Branch Network.
Published rates cover vehicle, boat, and deposit products; manufactured housing rates are not listed on the rates page, so ask for a current quote and confirm membership eligibility. The Member Service Center is on 800-688-7228, Monday to Friday 7 am to 7 pm and Saturday 9 am to noon Central.
Best for
Manufactured housing buyers, and dealers or communities looking for a long-established credit union lender with a partner program. Membership eligibility applies and manufactured housing rates are not published, so expect to request a quote.
What they do
- Manufactured housing loans
- SustainableHome financing loans
- Home loans, refinancing, and home equity
- Car, truck, boat, and vehicle equity loans
- Share certificate secured loans
- Personal loans and lines of credit
- Small business and commercial loans
- Checking, savings, and money market accounts
- Share certificates and IRA certificates
- Financial health resources and coaching
Details
| Attribute | Value |
|---|---|
| Founded | 1935 |
| Ownership | Cooperative |
| Other offices | Houston, TX, New Orleans, LA |
What stands out
- Chartered in 1935 and describes itself as a $4 billion credit union serving 250,000+ members across the U.S.
- A not-for-profit, member-owned financial cooperative rather than a shareholder-owned bank.
- Financial Health Centers operate in San Antonio, Houston, and New Orleans and are open to everyone, regardless of membership.
- Members have access to more than 55,000 Allpoint ATMs and over 5,550 shared branches through the Co-Op network.
- Lists a Partner with Credit Human program covering manufactured housing and SustainableHome loans for businesses.
Common questions
- How can a Credit Human loan payment be made?
- Payments can be made online, by mail, in person at a Financial Health Center or through an interactive teller machine, by phone with a Member Service Center representative, or by recurring transfer. A one-time phone payment drawn from another financial institution carries a $10 fee, while transferring from a Credit Human account does not. Express Online Payment, also a $10 fee, posts the same day if submitted before 8 pm CST.