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Reimagine your Home This Season – Home Equity

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Looking for a way to fix up your home this holiday season? Whether you need money for home improvements or debt consolidation now is the perfect time. Our home equity loans can be used for anything, and our low fixed rates and affordable monthly payments will help make your holidays even brighter.

Texas Fixed Rate as low as 3.70% APR*
South Carolina Fixed Rate as low as 4.40% APR*

Experience the Credit Union difference, with Real Estate Loans from HFCU!

Call 1-866-OUR-HFCU to Apply

Call us today, or stop by any of our offices to apply for your loan.

*APR is Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Loan term, loan to value (LTV), and/or down payment, for example, may vary based upon your credit history. Other restrictions may apply, and rates are subject to change without notice. Stated “rates as low as” apply to 1st liens only and are based on a 60-month term; longer terms are available at a higher rate. Terms available up to 240 months.
Texas residents: The combined principal amount of all loans in which the debtor’s home serves as collateral may not exceed 80% of the fair market value of the home, and Texas residents may only have one home equity loan or HELOC per 12 month period. HFCU’s standard rates range from 3.70% to 15.20% APR for Texas Home Equity loans as of November 1, 2018. MINIMUM PAYMENT EXAMPLE: If you financed $10,000 for 5 years at a 3.70% annual percentage rate, your approximate monthly payment would be $182.81 for 59 payments with an approximate final payment of $183.06.
South Carolina residents: The mortgage amount may not exceed the lesser of 90% of the taxed assessed value or 80% of a certified appraisal. South Carolina residents are limited to one home equity loan or HELOC at a time. HFCU’s standard rates range from 4.40% to 15.30% APR for South Carolina Home Equity loans as of November 1, 2018. MINIMUM PAYMENT EXAMPLE: If you financed $10,000 for 5 years at a 4.40% annual percentage rate, your approximate monthly payment would be $185.98 for 59 payments with the approximate final payment of $185.72. APRs are effective November 1,2018, through November 30,2018