**Annual Percentage Rate (APR). Lowest rate currently available as of 02/02/2026. 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 5.873% APR for 5 years is $1,923.53. The payment example does not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater.

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.

This is not an offer to extend consumer credit as defined by Section 1026.2 of Regulation Z.