Membership required. Loans subject to credit approval. Rates, terms, and conditions are determined by the overall creditworthiness of each applicant, and are subject to change without notice.
1 APR = Annual Percentage Rate. Rates current as of 2/1/2021. Minimum loan amount is $500. Payment example: 5.99% APR for 36 months is $15.21 per $500 borrowed. Other conditions may apply.
2 Lowest rate currently available as of 2/1/2021 and reflects 0.25% automatic payment rate discount. Automatic payment rate discounts may not be available on certain rates, terms and products. Your final APR may vary based on customary fees and closing costs which are treatable as interest when calculating your final APR. Loans subject to credit and property approval, other terms and conditions apply. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. This does not represent an offer to enter into a loan agreement. Products, rates and terms are subject to change without prior notice; other restrictions may apply. Mortgage lending is restricted to property in Texas. 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. Minimum loan amount is $25,000 for first-lien home equity loans; terms up to 15 years available on first lien home equity loans. 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. A sample loan payment for a fixed equity loan based on a $100,000 at 3.50% APR for 5 years is $1,819.17. The payment example does not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater.
3 Lowest rates currently available as of 2/1/2021. Texans Home Equity Line of Credit features variable rates based on the Prime Rate (as published in The Wall Street Journal). Your variable rate is calculated by adding a margin to the most recent Prime Rate. Current rates range from 4.00% APR to 6.50% APR. Prime is a variable rate; as it changes, the APR on your account may increase or decrease quarterly, not to exceed a maximum rate of 18% or the highest rate permitted by applicable state law. You may pay certain 3rd party fees to open your line of credit. These fees generally range from $150 to $1,800.
4 A valid, compliant property appraisal is required for all Home Equity loans. The extent of damage to your home and estimated cost of repairs could impact the appraised value of your home.
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.