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Home Loan Rates

Home Equity Loan Rates

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Loan Term Loan Amount Rate as low as APR* as low as
0 to 60 Months $10,000 to $100,000 6.500% 6.500%
0 to 60 Months $100,000 or more 6.400% 6.400%
61 to 120 Months $15,000 to $100,000 6.975% 6.975%
61 to 120 Months $100,000 or more 6.875% 6.875%
121 to 180 Months $20,000 to $100,000 7.000% 7.000%
121 to 180 Months $100,000 or more 6.900% 6.900%
181 to 240 Months $25,000 to $100,000 7.365% 7.365%
181 to 240 Months $100,000 or more 7.265% 7.265%

Home Equity Line of Credit Rates

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Draw Period Repayment Period Variable APR² as low as
60 Months 180 Months 8.00%

Home Improvement Loan Rates

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Loan Term Loan Amount Rate as low as APR³ as low as
0 to 60 Months $10,000 to $100,000 7.500% 7.500%
61 to 120 Months $15,000 to $100,000 7.975% 7.975%
121 to 180 Months $20,000 to $100,000 8.000% 8.000%
181 to 240 Months $25,000 to $100,000 8.365% 8.365%

 

Membership Required. Loans are subject to credit approval.

*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.  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.

1. Annual Percentage Rate (APR). Lowest rate currently available as of 12/06/2022. Your final APR may vary based on customary fees and closing costs which are treatable as interest when calculating your final APR. Minimum loan amount is $25,000 for first-lien home equity loans; terms up to 15 years available on first lien home equity loans. Home Equity loans are limited to 80% of the home's fair market value less the balances of any outstanding liens. 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 6.50% APR for 5 years is $1,956.61. The payment example does not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater.

2. Annual Percentage Rate (APR). Lowest rates currently available as of 01/01/2023. 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. 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. Minimum loan amount is $10,000 for a Home Equity Line of Credit. You may pay certain 3rd party fees to open your line of credit. These fees generally range from $150 to $1,800. 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. Annual Percentage Rate (APR). Lowest rates currently available as of 12/06/2022. Your final APR may vary based on customary fees and closing costs which are treatable as interest when calculating your final APR. Home Improvement loans are limited to 95% of the home's fair market value less the balances of any outstanding liens. Loans 80.01% to 90.00% LTV add 1.00% to the rate. Loans 90.01% to 95.00% add 2.00% to the rate. Must have approved contract/agreement with contractor prior to final loan approval. Member may incur one-time property tax monitoring fee. A sample loan payment for a fixed home improvement loan based on $25,000 at 7.50% APR for 5 years is $500.95. The payment examples do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater.

Minimum Payments During the Draw Period During the Draw Period, your minimum monthly payment will equal the finance charges (interest) that have accrued on the outstanding balance during the preceding month, together with all past due amounts, late charges, and other fees imposed to the extent allowable by applicable law. If the interest rate increases, you will have to make a higher payment. Paying the minimum interest only monthly payment will not reduce the principal balance that is outstanding on your line of credit.

Minimum Payments During the Repayment Period During the Repayment Period which begins at the end of the Draw Period, payments will be due monthly. Payments will be calculated following the last day of the Draw Period and will be equal to an amount necessary to amortize the balance over the Repayment Period, considering the Index plus margin then in effect, together with all past due amounts, any amounts in excess of your Credit Limit, late charges, insurance premiums and other fees imposed to the extent allowable of any payments will make. During the Repayment Period, your payments will be substantially equal.

This is not an offer to extend consumer credit as defined by Section 226.2 of Regulation Z.

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