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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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*

  • APY as high as

    2.27%

    Checking Account

    Priority Checking

  • APY as high as

    1.46%

    Savings Accounts

    (Share) Savings Accounts

  • APY as high as

    1.46%

    Savings Accounts

    IRA Savings

  • APY as high as

    2.94%

    Share Certificates

    Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 01, 2019.

Our Rates*

  • APR as low as

    2.35%

    New Auto

    Vehicle Loans

  • APR as low as

    2.35%

    Used Auto

    Vehicle Loans

  • APR as low as

    5.24%

    RV

    Vehicle Loans

*Auto Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 01, 2019.

Our Rates*

  • APR as low as

    3.292%

    15-Year Fixed

    Home Loans

  • APR as low as

    3.665%

    30-Year Fixed

    Home Loans

  • APR as low as

    4.390%

    5/1 Arm (30-Year)

    Home Loans

*Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 04, 2019.  View Full Disclosures.

Our Rates*

  • APR

    8.75% - 13.99%

    Platinum (Low Rate)

    Credit Cards

  • APR

    10.25% - 15.99%

    Rewards

    Credit Cards

  • APR

    13.99%

    Secured

    Credit Cards

*American Airlines Credit Union Visa Consumer Credit Card Application and Solicitation Disclosure

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2019.

Our Rates*

  • APY as high as

    0.15%

    Business Checking

    Checking Accounts

  • APY as high as

    1.25%

    Business Savings Account

    (Share) Savings Accounts

*Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2019.

Our Rates*

  • APR

    10.49% - 16.49%

    Platinum

    Credit Cards

*Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2019.

Our Rates*

APY as high as

2.27%

Checking Account

Priority Checking

APY as high as

1.46%

Savings Accounts

(Share) Savings Accounts

APY as high as

1.46%

Savings Accounts

IRA Savings

APY as high as

2.94%

Share Certificates

Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 01, 2019.

APR as low as

2.35%

New Auto

Vehicle Loans

APR as low as

2.35%

Used Auto

Vehicle Loans

APR as low as

5.24%

RV

Vehicle Loans

*Auto Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective November 01, 2019.

APR as low as

3.292%

15-Year Fixed

Home Loans

APR as low as

3.665%

30-Year Fixed

Home Loans

APR as low as

4.390%

5/1 Arm (30-Year)

Home Loans

*Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 04, 2019.  View Full Disclosures.

APR

8.75% - 13.99%

Platinum (Low Rate)

Credit Cards

APR

10.25% - 15.99%

Rewards

Credit Cards

APR

13.99%

Secured

Credit Cards

*American Airlines Credit Union Visa Consumer Credit Card Application and Solicitation Disclosure

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2019.

APY as high as

0.15%

Business Checking

Checking Accounts

APY as high as

1.25%

Business Savings Account

(Share) Savings Accounts

*Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective December 1, 2019.

APR

10.49% - 16.49%

Platinum

Credit Cards

*Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2019.

“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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