Home Equity and Home Improvement Loans

Home Equity

Whenever you need a loan to consolidate your bills, make home improvements, buy a car, fund educational expenses, or pay for a variety of other large expenses, come to H-E-B Federal Credit Union for a Home Equity Loan. As a homeowner, you can choose to utilize what may be your largest financial asset – the equity in your home – for whatever you need.

You benefit from:

Home Improvement

Thinking of adding a room, remodeling the kitchen or fixing the roof? If so, consider HEBFCU your home improvement headquarters. From re-dos to add-ons, we’re making it easier than ever to borrow for the home improvements you want to make.

You benefit from:

  • Competitive rates
  • Flexible terms
  • No need for an appraisal
  • Loans up to $100,000 don’t require a title insurance policy
  • Easy application process – apply by phone or at the branch
  • Some or all of the interest on Home Improvement Loans may be tax deductible; consult with your tax advisor regarding deductibility of interest
  • Balance on a Home Improvement Loan may qualify you for waived service charges on Classic Checking Account

All loans subject to approval. Rates and terms subject to change. Membership required. 

Under Texas law, the maximum amount you can borrow with any Home Equity Loan or HELOC is 80% of your home’s appraised value. All home equity loans from H-E-B FCU are available exclusively on properties located in Texas and are limited to your primary residence. Advertised as low as 5.49% APR rates for this promotion are valid from January 3, 2025, to March 31, 2025. Home equity loans are subject to credit and property approval, with a minimum loan amount of $10,000. Closing costs include Title Search, Flood Certification, Recording Fee, and Reconveyance Fee. This limited-time offer requires a new or refinanced (new money) home equity loan of $10,000 or more. H-E-B FCU will cover closing costs for home equity loans under $100,000. Membership with H-E-B FCU is required, and loans are subject to credit approval. Rates are not valid for loans submitted prior to the promotional dates and are for illustrative purposes only. All rates and terms are subject to change without notice. Your specific rate and term will depend on your credit rating, collateral value, amount financed, lien position, and other factors. Borrowers will be responsible for certain closing costs, which may include title insurance, appraisal fees, and survey costs. Hazard insurance is required, including flood insurance if applicable. Nationwide Mortgage Licensing System #402440.