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 Now

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*

  • APY as high as

    2.27%

    Checking Account

    Priority Checking

  • APY as high as

    1.56%

    Savings Accounts

    (Share) Savings Accounts

  • APY as high as

    1.56%

    Savings Accounts

    IRA Savings

  • APY as high as

    3.25%

    Share Certificates

    Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 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 September 19, 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 October 1, 2019.

Our Rates*

  • APR

    10.99% - 16.99%

    Platinum

    Credit Cards

*Business Credit Card Rates and Information

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

Our Rates*

APY as high as

2.27%

Checking Account

Priority Checking

APY as high as

1.56%

Savings Accounts

(Share) Savings Accounts

APY as high as

1.56%

Savings Accounts

IRA Savings

APY as high as

3.25%

Share Certificates

Regular Share Certificates

*Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 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 September 19, 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 October 1, 2019.

APR

10.99% - 16.99%

Platinum

Credit Cards

*Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 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

Read More Member Stories