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Home Equity Loans

Your home is your biggest asset. Capitalize on the value you've built up in your property with a loan to get cash for home improvements, a wedding or vacation, educational expenses, a medical emergency, or other unexpected expenses. 

Your referral gives both you and your friend a chance to win $200 — ask us how!

You can count on a competitive interest rate and the efficient, personalized service you're accustomed to receiving from your credit union. Our lending experts can help you decide which is the best option for you!

Current Rates


  • Use the equity built in your home
  • Competitive interest rates
  • Flexible terms and payments
  • Friendly, experienced loan advisors
  • Decisions made here in Central Texas
  • FCCU service for the life of the loan

Completed applications and requested documents can be uploaded to our secure file drop.

If you prefer to submit a paper application, please complete our home equity loan application, gather required documents, and call our loan department at (254) 776-9333 to schedule an appointment.

Refer others for a chance to win $200!

Refer others - get a chance for both of you to win $200! Come visit any of our branch locations and get your referral cards today! Share your card with anyone considering a home (equity) loan, a home (mortgage) loan, an auto loan or an auto refinance. Your referral (friend) must bring this completed card with them and receive the specified funded loan type for you both to be entered for a chance to win $200 each! A drawing will be held following each month - September, October, November, December 2019.  If you don't win the first month, your entry will remain in the drawing throughout the entire process. How many referral cards would you like?