We make it easy to tap your home's equity for improvement projects or other large expenses.
Home Equity Loan
If you would like a lump sum and fixed monthly payments, our Home Equity Loan offers competitive rates and super low closing costs.1
Take out a Home Equity Loan and:
- Lock in your interest rate for the life of the loan
- Spread the cost of your home improvement over time
- Use leftover funds for debt consolidation, school expenses, and more
Today's Rates Apply Now!
Home Equity Line of Credit
For flexible way to tap your home equity when you need it, consider opening a Home Equity Line of Credit (HELOC). Ours features zero closing costs and no annual servicing fee.2
Take out a HELOC and:
- Borrow only the amount you need when you need it
- Easily access funds using equity checks or by transferring funds online
- Pay back what you borrow so that your full credit limit is restored and available to use again and again
Tapping your line of credit is as easy as writing Equity Checks for purchases or transferring funds from your line of credit to another account.
Ways to transfer funds:
- Online Banking or Mobile Banking
- Stop by a branch
- Contact the Call Center during full service hours3
Today's Rates Apply Now!
1 Rate of 5.500% (Annual Percentage Rate (APR) of 5.618% effective as of 12/18/18 and subject to change without notice. 5.618% APR calculated based on a loan amount of $50,000. Actual rate will be based on the loan-to-value (LTV) ration and the borrower's credit score at the time of origination. For Home Equity Loans, rate is fixed for the term of the loan. Home Equity Loans in TX available up to 80% LTV maximum.
2 If account is closed within three years of opening, early closure fees will be added to the Account Balance in the amount of $500 for credit lines up to $100,000 and $700 for credit lines above $100,000. Early closure fees are not accessed where prohibited by state law or when the account is closed as part of a Spectrum refinance. For Home Equity Lines of Credit, the rate is variable and based on the Prime Rate as published in the "Money Rates" section of the Wall Street Journal, plus a margin. The margin is based on loan-to-value and borrower(s) credit score at time of origination. Rate of 6.000% (Annual Percentage Rate (APR) of 6.000%) effective as of 12/18/18 and subject to change without notice. 6.000% rate is based on a Combined Loan-to-Value (CLTV) of 80% or less and excellent credit score. The maximum annual percentage rate in a variable rate plan is 18%.
3 As of 12/18/18, our full service Call Center hours are Monday through Friday, 5 a.m. to 9 p.m. and Saturday, 8 a.m. to 4 p.m. Pacific Time.