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16320 Kensington Drive
Sugar Land, Texas
77479-4097
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Home Loan Rates

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Texas Home Equity Line of Credit (HELOC) Loan Rates

Variable Rate
  Rate
  APR
Rates as low as: 3.25%
Effective January 1, 2014 to April 30, 2014
View Previous Rates

Texas Home Equity Loans

Fixed Rate
  60 Months 120 Months 180 Months 240 Months
Rates as low as: APR APR APR APR
1st Lien: 2.99% 3.50% 4.99% 5.50%
2nd Lien: 3.99% 4.50% 6.25% 6.75%
Effective January 1, 2014 to April 30, 2014
View Previous Rates

South Carolina HELOC Rates

Variable Rate
  Up to 80%
LTV Rate
81% - 90%
LTV Rate
  APR APR
Rates as low as: 3.25% 4.25%
Effective January 1, 2014 to April 30, 2014
View Previous Rates

South Carolina Home Equity Loans

Fixed Rate
  60 Months 120 Months 180 Months 240 Months
Rates as low as: APR APR APR APR
1st Lien: 3.75% 4.90% 5.10% 5.60%
2nd Lien: 4.75% 5.90% 6.35% 6.85%
Effective January 1, 2014 to April 30, 2014
View Previous Rates

Home Improvement Loans

Fixed Rate
  60 Months 120 Months 180 Months
  APR APR APR
Rates as low as: 4.99% 5.99% 6.75%
Effective January 1, 2014 to April 30, 2014
View Previous Rates

Unimproved Property

Fixed Rate
  60 Month Balloon 144 Month Fixed
  APR APR
Rates as low as: 4.99% 6.50%
Effective January 1, 2014 to April 30, 2014
View Previous Rates

Lot Loans

Fixed Rate
36 Month Max Term
  Up to 70% LTV 71% to 80% LTV 81% to 95% LTV
  APR APR APR
Rates as low as: 5.50% 6.25% 6.75%
Effective January 1, 2014 to April 30, 2014
View Previous Rates

Important disclosure information

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: Payment Example: 120 monthly payments of approximately $9.90 per $1,000 borrowed at 3.50% APR.

Texas 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 December 16, 2008 is: 3.25% 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 December 16, 2008 is: 3.25% APR.

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

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If you have any questions please feel free to call HFCU at 1-866-OUR-HFCU (1-866-687-4328) or (281) 243-0500. You can also request information online or stop by and visit with one of our friendly service representatives.