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.

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Loan 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

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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

    6.464%

    15-Year Fixed

    Home Loans

  • APR as low as

    6.837%

    30-Year Fixed

    Home Loans

  • APR as low as

    7.495%

    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 June 18, 2024.  View Full Disclosures.

Our Rates^

  • APY as high as

    2.38%

    Savings

    Share/IRA Accounts

  • APY as high as

    5.40%

    Short-Term Share Certificate

    Share Certificate

  • APY as high as

    5.00%

    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

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 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

^Auto & Recreational 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

^Credit Card Rates and Fees

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

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2024.

Our Rates^

  • APR

    13.99% - 18.00%

    Platinum

    Credit Cards

^Business Credit Card Rates and Information

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

6.837%

30-Year Fixed

Home Loans

APR as low as

7.495%

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 June 18, 2024.  View Full Disclosures.

APY as high as

2.38%

Savings

Share/IRA Accounts

APY as high as

5.40%

Short-Term Share Certificate

Share Certificate

APY as high as

5.00%

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

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 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

^Auto & Recreational 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

^Credit Card Rates and Fees

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

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective June 1, 2024.

APR

13.99% - 18.00%

Platinum

Credit Cards

^Business Credit Card Rates and Information

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

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