Home Equity Line of Credit Loans for Non-Owner Occupied Homes
Cash-in on the equity in your investment, rental or second home with the help of a Home Equity Line of Credit (HELOC) with these time and money-saving loans.
Apply NowLoan Loyalty Discount
You could receive a 0.25% APR^ discount on a fixed-rate HELOC when you have multiple loans with us.
^APR = Annual Percentage Rate
FIXED-RATE HOME EQUITY LINE OF CREDIT
Fixed-rate HELOC loan (not available in Texas)
- In the first lien you can borrow up to 70% of the value of your home. In the second lien you can borrow up to 60% of the value of your home, less your first mortgage balance.
- Access funds through mobile or online banking or request convenience checks.
- Interest rate is fixed for the term of the loan.
- Interest is only charged when there is a balance.
- No penalty for early pay-off.
- Borrow the funds for up to five years and pay it back over 10 years. ¹
Texas HELOC fixed-rate loan
- In the first lien you can borrow up to 70% of the value of your home. In the second lien you can borrow up to 60% of the value of your home, less your first mortgage balance.
- HELOC checks are NOT available.
- There is a minimum draw amount of $4,000. Request for funds must be in writing with your signature.
- Interest rate is fixed for the term of the loan.
- Interest is only charged when there is a balance.
- No penalty for early pay-off.
- Borrow the funds for up to five years and pay it back over 10 years.²
¹ See our Home Equity Loans Rate Sheet for more information.
² Minimum Loan Amount $10,000 for all loan types. Maximum Loan Amount $250,000.
Our Rates^
-
APR as low as
5.956%
15-Year Fixed
Home Loans
-
APR as low as
6.456%
30-Year Fixed
Home Loans
-
APR as low as
6.781%
5/1 Arm (30-Year)
Home Loans
-
APR as low as
7.125%
5/10 Fixed
Owner Occupied HELOC
^Home Loan Rates and Information and HELOC Rates and Information
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 7, 2024. View Full Disclosures.
Our Rates^
-
APY as high as
2.12%
Savings
Share/IRA Accounts
-
APY as high as
4.80%
Short-Term Share Certificate
Share Certificate
-
APY as high as
4.60%
Share Certificate
Share/IRA Certificates
-
APY as high as
4.07%
Ladder Certificates
Share/IRA Certificates
-
APY as high as
0.40%
Priority Checking
Checking Accounts
-
APY as high as
0.25%
Flagship Checking
Checking Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective November 1, 2024.
Our Rates^
-
APR as low as
4.49%
New Auto
Up to 36 Months
-
APR as low as
4.74%
Used Auto
Up to 36 Months
-
APR as low as
5.24%
New Auto
Up to 60 months
-
APR as low as
5.49%
Used Auto
Up to 60 months
-
APR as low as
6.74%
RV
Vehicle Loans
-
APR as low as
6.49%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 9, 2024.
Our Rates^
-
APR
15.50% - 17.50%
Signature Cash Back
Credit Cards
-
APR
13.25% - 18.00%
Platinum Rewards
Credit Cards
-
APR
11.75% - 18.00%
Platinum Low Rate
Credit Cards
-
APR
16.99%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.
Our Rates^
-
APY as high as
0.15%
Business Checking
Checking Accounts
-
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective November 1, 2024.
Our Rates^
-
APR
13.49% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.
Our Rates^
APR as low as
5.956%
15-Year Fixed
Home Loans
APR as low as
6.456%
30-Year Fixed
Home Loans
APR as low as
6.781%
5/1 Arm (30-Year)
Home Loans
APR as low as
7.125%
5/10 Fixed
Owner Occupied HELOC
^Home Loan Rates and Information and HELOC Rates and Information
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 7, 2024. View Full Disclosures.
APY as high as
2.12%
Savings
Share/IRA Accounts
APY as high as
4.80%
Short-Term Share Certificate
Share Certificate
APY as high as
4.60%
Share Certificate
Share/IRA Certificates
APY as high as
4.07%
Ladder Certificates
Share/IRA Certificates
APY as high as
0.40%
Priority Checking
Checking Accounts
APY as high as
0.25%
Flagship Checking
Checking Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective November 1, 2024.
APR as low as
4.49%
New Auto
Up to 36 Months
APR as low as
4.74%
Used Auto
Up to 36 Months
APR as low as
5.24%
New Auto
Up to 60 months
APR as low as
5.49%
Used Auto
Up to 60 months
APR as low as
6.74%
RV
Vehicle Loans
APR as low as
6.49%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 9, 2024.
APR
15.50% - 17.50%
Signature Cash Back
Credit Cards
APR
13.25% - 18.00%
Platinum Rewards
Credit Cards
APR
11.75% - 18.00%
Platinum Low Rate
Credit Cards
APR
16.99%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.
APY as high as
0.15%
Business Checking
Checking Accounts
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective November 1, 2024.
APR
13.49% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.
“I have been able to pay off two auto loans early with great rates and the direct deposit discount. The most recent goal was my HELOC, also with a great rate and flexibility, which helped me consolidate debt and be able to invest in remodeling/updating my home, thereby increasing the value/equity. I had several representatives who were extremely helpful and patient in providing necessary information, answering questions, and guiding me in the detailed process via email, phone and several times in person.”
Denise, member since 1994
