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. 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!

  • 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
Home Equity Loans Checklist

We want to let you know how much we appreciate your inquiry into our home equity products here at First Central Credit Union.

In order to process your application, we will need to get some documents from you. Please complete the following and call our loan department at (254) 776-9333 to schedule an appointment.

  • Copy of your deed of trust or title policy.
  • Copy of your most recent county property tax statement.
  • Copy of your homeowner's insurance.
  • Verification of income (two recent pay stubs and two most recent tax returns).
  • Copy of recent mortgage statement. (If not mortgage, please provide a copy of your Release of Lien).
  • Completed and signed Home Equity Loan application which includes the Disclosure Statement, Notice Concerning Extension of Credit, and the Home Equity Questionnaire.