Succeed

Houston Federal Credit Union’s super low rates and minimal or non-existent fees help our members thrive and reach their financial goals.

Current Rates

Loan Rates Below Effective: June 1, 2017 through June 30, 2017

Texas Home Equity Line of Credit (HELOC) Loan Rates

APR – Variable Rate as low as
4.00%

Loan Rates Below Effective: June 1, 2017 through June 30, 2017

Texas Home Equity Loans

Term 1st Lien APR – Fixed Rate as low as 2nd Lien APR – Fixed Rate as low as
60 Months 3.20% 4.20%
120 Months 3.70% 4.70%
180 Months 3.95% 5.45%
240 Months 4.70% 6.45%

Loan Rates Below Effective: June 1, 2017 through June 30, 2017

South Carolina HELOC Rates

LTV Rate APR – Variable Rate as low as
Up to 80% 4.00%
81% – 90% 5.00%

Loan Rates Below Effective: June 1, 2017 through June 30, 2017

South Carolina Home Equity Loans

Term 1st Lien APR – Fixed Rate as low as 2nd Lien APR – Fixed Rate as low as
60 Months 3.70% 4.70%
120 Months 4.20% 5.95%
180 Months 4.70% 6.20%
240 Months 5.20% 6.45%

Loan Rates Below Effective: June 1, 2017 through June 30, 2017

Home Improvement Loans

Term APR – Fixed Rate as low as
60 Months 5.20%
120 Months 6.20%
180 Months 6.95%

Loan Rates Below Effective: June 1, 2017 through June 30, 2017

Unimproved Property

APR – Rate as low as Term
5.10% 60 Month Balloon
6.60% 144 Month Fixed

Loan Rates Below Effective: June 1, 2017 through June 30, 2017

Lot Loans

Term LTV APR – Fixed Rate as low as
36 Month Max Term Up to 70% 5.70%
71% to 80% 6.45%
81% to 95% 6.95%

APR is Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Stated “rates as low as” apply to well-qualified applicants. 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. Talk to a loan officer for details.

Payment Example: 120 monthly payments of approximately $9.98 per $1,000 borrowed at 3.70% APR.

Texas Home Equity, South Carolina Home Equity, Texas HELOC and South Carolina HELOC Closing Costs: The credit union will pay all normal closing costs which include the following fees: title search, recording fee, release of lien, flood determination, and credit report. Additional fees such as any necessary title insurance, appraisal, survey, and attorney fees will be the responsibility of the member. This is not limited to promotional periods.

Texas HELOC Disclosure: 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. Maximum APR not to exceed 18% APR. Rates are subject to change monthly without notice. Minimum draw amount of $4,000. Maximum loan to value of 80%. Maximum credit line cannot exceed 50% of value of property. Texas residents are limited to establishing one home equity loan or home equity line of credit in a 12-month period. For details please call (281) 243-0500 or see a loan representative at any branch location. Wall Street Journal Prime Rate as of March 16, 2017 is: 4.00% APR.

South Carolina HELOC Disclosure: 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. Maximum APR not to exceed 18% APR. Rates are subject to change monthly without notice. Maximum loan amount of up to 90% of appraised value for qualified loans. Minimum credit limit of $4,000. Minimum first advance of $1,800. South Carolina residents are limited to establishing one home equity loan or home equity line of credit at one time. For details please call (864) 676-7300 or see a loan representative at our Greenville office. Wall Street Journal Prime Rate as of March 16, 2017 is: 4.00% APR.

Consult your tax advisor regarding the deductibility of interest on a HELOC, Home Equity or Home Improvement Loan.