Unlock your homes borrowing power to consolidate high-interest rate credit cards, pay off medical bills, make home improvements or meet other financial goals.
A Home Equity Loan makes major purchases affordable with:
- Predictable payments that won’t shock your budget
- Flexible repayment terms from 5 to 20 years based on loan amount
- Loan amounts that match your financial goals. There’s no need to secure a loan for more money than you need. Maximum loan amounts can be granted up to 80% CLTV (combined loan-to-value).
Speak with a Home Loan Specialist at 210-230-9380.
Home Equity Loans
| Term | 1st Lien Rate* (as low as) | 1st Lien APR* (as low as) | 2nd Lien Rate* (as low as) | 2nd Lien APR* (as low as) |
|---|---|---|---|---|
| 5 years | 6.35% | 7.21% | 6.85% | 7.71% |
| 7 years | 6.35% | 6.98% | 6.85% | 7.48% |
| 10 years | 6.55% | 7.01% | 7.05% | 7.51% |
| 15 years | 6.60% | 6.93% | 7.10% | 7.43% |
| 20 years | 6.875% | 7.14% | 7.375% | 7.64% |
*APR is Annual Percentage Rate. The APR is as of 03/21/2024. APR calculations are based on an assumed loan amount of $50,000. Minimum loan amount is $20,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value). All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the loan amount. Property insurance is required, including flood insurance where required. Payment Example: For a $50,000 loan for a term of 15 years (180 months) with a 6.93% APR, the monthly payment will be $438.31. Taxes and insurance premiums are not included in this payment example and member’s actual payment obligation may be greater.