Home Loan Rates
| Loan Term | Loan Amount | Rate as low as | APR¹ as low as |
|---|---|---|---|
| 0 to 60 Months | $10,000 to $100,000 | 6.875% | 6.959% |
| 0 to 60 Months | $100,000 or more | 6.775% | 6.817% |
| 61 to 120 Months | $15,000 to $100,000 | 7.000% | 7.045% |
| 61 to 120 Months | $100,000 or more | 6.900% | 6.923% |
| 121 to 180 Months | $20,000 to $100,000 | 7.125% | 7.157% |
| 121 to 180 Months | $100,000 or more | 7.025% | 7.041% |
| 181 to 240 Months | $25,000 to $100,000 | 7.475% | 7.501% |
| 181 to 240 Months | $100,000 or more | 7.375% | 7.388% |
| Draw Period | Repayment Period | Variable APR² as low as |
|---|---|---|
| 60 Months | 180 Months | 9.00% |
| Loan Term | Loan Amount | Rate as low as | APR³ as low as |
|---|---|---|---|
| 0 to 60 Months | $10,000 to $100,000 | 6.875% | 6.959% |
| 61 to 120 Months | $15,000 to $100,000 | 7.000% | 7.045% |
| 121 to 180 Months | $20,000 to $100,000 | 7.125% | 7.157% |
| 181 to 240 Months | $25,000 to $100,000 | 7.475% | 7.501% |
Membership Required. Loans are subject to credit approval.
Loans subject to credit and property approval, other terms and conditions apply. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Products, rates, and terms are subject to change without prior notice; other restrictions may apply. Mortgage lending is restricted to property in Texas. Property insurance is required, including flood insurance where applicable. Valid for primary residences only. Loan may not be used to purchase the property being used as collateral.
1. Annual Percentage Rate (APR). Lowest rate currently available as of 04/29/2024. Your final APR may vary based on customary fees and closing costs which are treatable as interest when calculating your final APR. Minimum loan amount is $25,000 for first-lien home equity loans; terms up to 30 years available on first lien home equity loans. Home Equity loans are limited to 80% of the home's fair market value less the balances of any outstanding liens. Member may incur one-time property tax monitoring fee and may pay additional 3rd party fees. These fees typically do not exceed $500.00. Member incurs cost of full title policy on loans greater than $150,000. A sample loan payment for a fixed equity loan based on a $100,000 at 6.959% APR for 5 years is $1,974.23. The payment example does not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater.
2. Annual Percentage Rate (APR). Lowest rates currently available as of 10/01/2023. Texans Home Equity Line of Credit features variable rates based on the Prime Rate (as published in The Wall Street Journal.) Your variable rate is calculated by adding a margin to the most recent Prime Rate. Prime is a variable rate; as it changes, the APR on your account may increase or decrease quarterly, not to exceed a maximum rate of 18% or the highest rate permitted by applicable state law. Minimum loan amount is $10,000 for a Home Equity Line of Credit. Member may pay certain 3rd party fees to open your line of credit. These fees typically do not exceed $2,000.00. Automatic payments are not available for home equity line of credit loans. Required minimum payment of interest only each month during the draw period.
Loans subject to credit and property approval, other terms and conditions apply. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Products, rates, and terms are subject to change without prior notice; other restrictions may apply. Mortgage lending is restricted to property in Texas. Property insurance is required, including flood insurance where applicable. Valid for primary residences only. Loan may not be used to purchase the property being used as collateral.
1. Annual Percentage Rate (APR). Lowest rate currently available as of 04/29/2024. Your final APR may vary based on customary fees and closing costs which are treatable as interest when calculating your final APR. Minimum loan amount is $25,000 for first-lien home equity loans; terms up to 30 years available on first lien home equity loans. Home Equity loans are limited to 80% of the home's fair market value less the balances of any outstanding liens. Member may incur one-time property tax monitoring fee and may pay additional 3rd party fees. These fees typically do not exceed $500.00. Member incurs cost of full title policy on loans greater than $150,000. A sample loan payment for a fixed equity loan based on a $100,000 at 6.959% APR for 5 years is $1,974.23. The payment example does not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater.
2. Annual Percentage Rate (APR). Lowest rates currently available as of 10/01/2023. Texans Home Equity Line of Credit features variable rates based on the Prime Rate (as published in The Wall Street Journal.) Your variable rate is calculated by adding a margin to the most recent Prime Rate. Prime is a variable rate; as it changes, the APR on your account may increase or decrease quarterly, not to exceed a maximum rate of 18% or the highest rate permitted by applicable state law. Minimum loan amount is $10,000 for a Home Equity Line of Credit. Member may pay certain 3rd party fees to open your line of credit. These fees typically do not exceed $2,000.00. Automatic payments are not available for home equity line of credit loans. Required minimum payment of interest only each month during the draw period.
