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Home Equity Loans

Dreams come true in 2022! 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 or opportunities. Discover the hidden value in your home and save. 

Current Rates

NO CLOSING COSTS . . . up to $75,000 financed now through June 30th!

Choose to fund locally and save money! You can count on a competitive interest rate and the efficient, personalized service you're accustomed to receiving from your local credit union. Our lending experts can help you decide which is the best option for you. Turn your dreams into reality!

  • 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.

Need to provide proof of insurance for your loan? We’ve made it very easy and secure to submit your insurance policy! Click here: My Loan Insurance


Home Equity Loans subject to credit approval, membership eligibility and loan policies. Rate subject to change without notice. Restrictions may apply. Minimum Home Equity Loan is $10,000. Promotions ends 6/30/2022. Excludes independent appraisal if needed. Payment example: $18.40 per $1,000 financed at 3.95% annual percentage rate for 60 months.