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.

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when you finance your mortgage with us.

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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

    0.40%

    Priority Checking

    Checking Accounts

  • APY as high as

    0.25%

    Flagship Checking

    Checking Accounts

  • APY as high as

    0.70%

    Savings

    Share Accounts

  • APY as high as

    0.70%

    IRA Savings

    IRA Share Accounts

  • APY as high as

    2.12%

    Share Certificate

    Share/IRA Certificates

  • APY as high as

    3.14%

    Ladder Certificates

    Share/IRA Certificates

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective Sept. 1, 2022.

Our Rates^

  • APR as low as

    1.90%

    New Auto

    Vehicle Loans

  • APR as low as

    1.90%

    Used Auto

    Vehicle Loans

  • APR as low as

    4.59%

    RV

    Vehicle Loans

^Auto & Other Personal Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 23, 2022.

Our Rates^

  • APR as low as

    5.448%

    15-Year Fixed

    Home Loans

  • APR as low as

    5.821%

    30-Year Fixed

    Home Loans

  • APR as low as

    5.627%

    5/1 Arm (30-Year)

    Home Loans

^Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 19, 2022.  View Full Disclosures.

Our Rates^

  • APR

    8.50% - 13.74%

    Platinum (Low Rate)

    Credit Cards

  • APR

    10.00% - 15.74%

    Rewards

    Credit Cards

  • APR

    13.74%

    Secured

    Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2022.

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 September 1, 2022.

Our Rates^

  • APR

    10.24% - 16.24%

    Platinum

    Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2022.

Our Rates^

APY as high as

0.40%

Priority Checking

Checking Accounts

APY as high as

0.25%

Flagship Checking

Checking Accounts

APY as high as

0.70%

Savings

Share Accounts

APY as high as

0.70%

IRA Savings

IRA Share Accounts

APY as high as

2.12%

Share Certificate

Share/IRA Certificates

APY as high as

3.14%

Ladder Certificates

Share/IRA Certificates

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective Sept. 1, 2022.

APR as low as

1.90%

New Auto

Vehicle Loans

APR as low as

1.90%

Used Auto

Vehicle Loans

APR as low as

4.59%

RV

Vehicle Loans

^Auto & Other Personal Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 23, 2022.

APR as low as

5.448%

15-Year Fixed

Home Loans

APR as low as

5.821%

30-Year Fixed

Home Loans

APR as low as

5.627%

5/1 Arm (30-Year)

Home Loans

^Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 19, 2022.  View Full Disclosures.

APR

8.50% - 13.74%

Platinum (Low Rate)

Credit Cards

APR

10.00% - 15.74%

Rewards

Credit Cards

APR

13.74%

Secured

Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2022.

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 September 1, 2022.

APR

10.24% - 16.24%

Platinum

Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2022.

“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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