Home Equity Lending
Make Your Home's Equity Work for You
Texans are resourceful, which is why we provide three products* to help you use the equity in your home to work for your needs.
- Use equity to pay off an existing, higher-rate mortgage, consolidate other debt, or pay for home improvement, education expenses, or even a vacation
Keep in mind that the equity in your home is calculated on the current fair market value of your home, not the purchase price. Be sure to check the estimated value of your home before determining your equity amount.
Home Equity Loan
Texans are all about freedom, and with our Home Equity Loans,1 you’re free to decide how you use your funds. Benefits of a Home Equity Loan with Texans include:
- Up to 80% of home's fair market value
- Low, fixed rate
- Disbursed in a lump sum
- .25% rate discount with automatic payment
- Terms up to 20 years
Home Equity Line of Credit
Texans are innovative, and our Home Equity Lines of Credit2 are too. With no restrictions on what you use your funds for, you get money when you need it, and at a competitive, variable rate. Other benefits include:
- Borrow up to 80% of home's fair market value
- Disbursed conveniently as needed, during five-year draw period
- Withdraw as little as $4,000 at a time
- Can be repaid over a 15-year period
- No closing costs/fees
Additional Information Regarding Home Equity Lines of Credit
Home Improvement Loan
Texans are doers, and with our Home Improvement Loans,3 we’re making it easier than ever to make improvements to your home by a licensed contractor.
- Low, fixed rates
- Borrow up to 95% of home's fair market value
- .25% rate discount with automatic payment
- Funds are disbursed in one lump sum
- Terms up to 20 years
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*Texans mortgage lending is restricted to property in Texas. Loans subject to credit and property approval, other terms and conditions apply. Property insurance is required, including flood insurance where applicable. Valid for primary residences only. Loan may not be used to purchase the property being used as collateral. First-lien home equity loans are not available to purchase a new primary owner-occupied residence; owner-occupied primary residence must already be purchased. Lot size less than 10 acres. Condominiums and Manufactured homes are not eligible. Consumer purposes only. Products, rates, terms and conditions are subject to change without notice; other restrictions may apply.
1 Minimum loan amount is $25,000 for first-lien home equity loans; terms up to 15 years available. Home Equity loans are limited to 80% of the home's fair market value less the balances of any outstanding liens. Automatic payment rate discounts may not be available on certain rates, terms and products. Member may incur one-time property tax monitoring fee; no other closing costs on loans up to $150,000. Member incurs cost of full title policy on loans greater than $150,000.
2 Rates are variable Annual Percentage Rates based on the Prime Rate published in the Wall Street Journal, plus a margin. Prime is a variable rate; as it changes, the APR on your account will also change. The maximum annual percentage rate will never be greater than 18%. You may pay certain 3rd party fees to open your line of credit. These fees generally range from $150 to $1,800. Minimum loan amount is $10,000 for a Home Equity Line of Credit. Home Equity Line of Credit loans are limited to 80% of the home's fair market value less the balances of any outstanding liens. Automatic payments are not available for home equity line of credit loans. Required minimum payment of interest only each month during the draw period.
3 Minimum loan amount for a first or second-lien Home Improvement loan is $10,000 and maximum is $25,000; terms up to 20 years available. Home Improvement loans are limited to 95% of the home's fair market value less the balances of any outstanding liens. Automatic payment rate discounts may not be available on certain rates, terms and products. Must have approved contract/agreement with contractor prior to final loan approval. Member may incur one-time property tax monitoring fee.
This is not an offer to extend consumer credit as defined by Section 226.2 of Regulation Z. Rates and terms are determined by the overall creditworthiness of each applicant, and are subject to change at any time without notice.
Texans Credit Union NMLS #530654
Digitally Enabled and Incredibly Accessible!
- Online Banking/Bill Pay
- Mobile Banking
- Mobile Deposit
- Apple Pay
- 70,000 Surcharge-Free ATMs - Worldwide
- Enhanced ATM/Debit Card

All Texans Checking Accounts Are Digitally Enabled and Incredibly Accessible
Purchase Rewards
Earn Cash Back Rewards, just for Using Your Texans Debit Card
Purchase Rewards allows you to earn cash back on items you already purchase from stores where you already shop! Here's how it works.
- Receive personalized offers directly in online or mobile banking
- Accept an offer and earn rewards for any qualifying purchases
- Get cash back directly deposited into your checking account the following month
Start earning cash back today!
learn moreMoney Management™
Manage All of Your Personal Finances, Right Inside Online Banking
This personal financial management tool brings together all of your accounts from virtually every company you do business with, in one place to give you a total picture of your finances. Use it to:
- Create a budget that is easy to stick to
- Observe your spending behaviors and trends
- Gain valuable insight into where your money is going
With the ability to connect to over 20,000 institutions, you can connect and review all of your accounts in one place!
learn moreFinancial Education Center
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Mobile Banking App
It's Like Having a Full-Service Branch on Your Phone or Tablet!
Manage your accounts, move money around, pay bills, and more:
- Access accounts and view transactions
- Fingerprint login capabilities for iOS and Android users
- Mobile check deposit
- Find your closest branch or surcharge-free ATM
- View balances without logging in via Quick Balance
Mobile Deposit
All you need is your mobile phone and the Texans app to deposit checks anytime, anywhere. It's easy, convenient, and secure.
- Snap a picture of both sides of your signed check
- Choose the account for deposit
- Voila! Your check is deposited.
EMV Chip Technology
Protect Your Card Transactions from Fraud
All Texans debit and credit cards are now equipped with a fraud-fighting microchip that encrypts information when making transactions at a chip-enabled terminal.
- Insert your card in the chip reader instead of swiping
- You can still swipe your card when necessary
- You can still use your card online or over the phone
Plus, chip cards are more widely accepted worldwide so your card is easier to use outside of the U.S.
VISA® Cards
Great Rate or Cash Back
Regardless of which card you choose, there are no annual fees with a Texans VISA card. Plus, you can transfer balances from your other high-rate cards without paying a balance transfer fee and take cash advances with no additional fees.
But that's not all. Your Texans VISA comes with online access where you can utilize our personal financial management tool, Money Management™, to create a budget and gain valuable insight into where your money is going.

1 Rates subject to change and are based on personal credit history. For more information, visit our Rate Advantage VISA Card page.
2 For full cash back details and terms and conditions visit our Cash Rewards VISA Card page.
Mastercard® Debit Card
Cash With No Fees at 70,000 ATMs
Use your Texans Mastercard Debit Card at more than 70,000 surcharge-free ATMs worldwide through the Allpoint and CO-OP ATM networks, and anywhere Mastercard is accepted. Plus, your Texans Mastercard Debit Card will:
- Double your manufacturer's warranty on purchases up to 12 Months*
- Price protect purchases up to $250*
- Provide a 60-day satisfaction guarantee on purchases for full refund of the purchase price*
- Include Mastercard Global Service for emergency, one-day, temporary card replacement in the US*
Get a Texans Debit Card with your checking account today!
Compare Accounts Open an Account* For full details and terms and conditions visit our Mastercard Debit benefits guide.
Courtesy Pay or Overdraft Protection
Protect your debit card transactions, ATM withdrawals, automatic payments and checks or EFTs from a declined transaction.
Overdraft Protection
Your first line of defense uses your accounts to cover overdrafts.
- $5 fee for each transaction
- Uses designated savings account or line-of-credit to pay overdrafts
Courtesy Pay
A one-time opt-in can provide an emergency backup against overdraft.
- $35 fee for each transaction
- May cover transactions that exceed your available balance, up to $750 (including fees)
eStatements
Make the Switch to Mobile and Online Statements
Making the switch to eStatements is secure and easy. Here's how it works.
- View and print statements right from your online or mobile banking
- Up to 36 months of statements available for you anytime
- Reduce waste while increasing your account security
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Guaranteed Asset Protection (GAP)
Texans GAP coverage could save you thousands. If your vehicle is totaled or stolen, your insurance may not pay to cover its full value. That’s where we come in. Our GAP coverage offers low-cost protection if you have a high-cost loss by covering additional funds needed to pay off the vehicle loan. And it’s available on most new and used auto, motorcycle and RV loans1.
Major Mechanical Protection
Car repairs today can set you back thousands of dollars. Fortunately, Texans offers its members Major Mechanical Protection (MMP) coverage. This protects you from the unexpected expense of vehicle repairs. There’s absolutely no deductible for repairs and you don’t have to wait for reimbursement — all repair costs are covered up front. Available on most new and used auto loans2.
Learn More