Home Equity Line of Credit Loans for Owner Occupied Homes
Cash-in on the equity in your home with the help of our Home Equity Lines of Credit which offer convenience, and save you time and money in the process.
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 home equity line of credit loan (not available in Texas)
- You can borrow up to 90% of the value of your home, less your first mortgage balance and interest is only charged when there is a balance.
- Access funds through mobile or online banking or request convenience checks.
- Interest rate is fixed for the term of the loan.
- No penalty for early pay-off.
- Borrow the funds for up to five years and pay it back over 10 or 15 years. ¹
Texas fixed-rate home equity line of credit loan²
- Borrow up to 80% of the value of your home, less your first mortgage balance.
- HELOC checks are NOT available.
- There is a minimum draw amount of $4,000.00. Request for funds must be in writing with your signature.
- Interest rate is fixed for the term of the loan.
- No penalty for early pay-off.
- Borrow the funds for up to five years and pay it back over 10 or 15 years.³
¹ See our Home Equity Loans Rate Sheet for more information.
² Only one Home Equity Line of Credit Loan allowed in the state of Texas per year for owner occupied homes.
³ Owner Occupied Primary Residences Only. Minimum Loan Amount $10,000 for all loan types. Maximum Loan Amount $250,000.
VARIABLE-RATE HOME EQUITY LINE OF CREDIT
Variable-rate home equity line of credit loan (not available In Texas)
- You can borrow up to 90% of the value of your home, less your first mortgage balance and interest is only charged when there is a balance.
- Access funds through mobile or online banking or request convenience checks.
- Interest rates adjust quarterly based on the Prime Rate.*
- * The annual percentage rate can change quarterly on the first day of January, April, July and October.
- No penalty for early pay-off.
- Borrow the funds for up to five or 10 years and pay it back over 10 or 15 years.*
Texas variable-rate home equity line of credit loan†
- Borrow up to 80% of the value of your home, less your first mortgage balance
- HELOC checks are NOT available.
- There is a minimum draw amount of $4,000.00. Request for funds must be in writing with your signature.
- Interest rates adjust quarterly based on the Prime Rate.
- No penalty for early pay-off.
- Borrow the funds for up to five or 10 years and pay it back over 10 or 15 years.‡
* See our Home Equity Loans Rate Sheet for more information.
† Only one Home Equity Line of Credit Loan allowed in the state of Texas per year for owner occupied homes.
‡ Owner Occupied Primary Residences Only. Minimum Loan Amount $10,000 for all loan types. Maximum Loan Amount $250,000.
Our Rates^
-
APR as low as
6.464%
15-Year Fixed
Home Loans
-
APR as low as
6.710%
30-Year Fixed
Home Loans
-
APR as low as
7.204%
5/1 Arm (30-Year)
Home Loans
-
APR as low as
6.625%
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 March 14, 2024. View Full Disclosures.
Our Rates^
-
APY as high as
2.38%
Savings
Share/IRA Accounts
-
APY as high as
5.50%
Short-Term Share Certificate
Share Certificate
-
APY as high as
5.12%
Share Certificate
Share/IRA Certificates
-
APY as high as
4.28%
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 April 1, 2024.
Our Rates^
-
APR as low as
4.94%
New/Used Auto
Up to 36 Months
-
APR as low as
5.69%
New/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 February 1,2024.
Our Rates^
-
APR
16.00% - 18.00%
Signature Cash Back
Credit Cards
-
APR
13.75% - 18.00%
Platinum Rewards
Credit Cards
-
APR
12.25% - 17.49%
Platinum Low Rate
Credit Cards
-
APR
17.49%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 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 April 1, 2024.
Our Rates^
-
APR
13.99% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2023.
Our Rates^
APR as low as
6.464%
15-Year Fixed
Home Loans
APR as low as
6.710%
30-Year Fixed
Home Loans
APR as low as
7.204%
5/1 Arm (30-Year)
Home Loans
APR as low as
6.625%
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 March 14, 2024. View Full Disclosures.
APY as high as
2.38%
Savings
Share/IRA Accounts
APY as high as
5.50%
Short-Term Share Certificate
Share Certificate
APY as high as
5.12%
Share Certificate
Share/IRA Certificates
APY as high as
4.28%
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 April 1, 2024.
APR as low as
4.94%
New/Used Auto
Up to 36 Months
APR as low as
5.69%
New/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 February 1,2024.
APR
16.00% - 18.00%
Signature Cash Back
Credit Cards
APR
13.75% - 18.00%
Platinum Rewards
Credit Cards
APR
12.25% - 17.49%
Platinum Low Rate
Credit Cards
APR
17.49%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 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 April 1, 2024.
APR
13.99% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2023.
“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
