Borrow from the Value You’ve Built

Home Equity Loans

You've worked hard for your home, so let it work hard for you with a Home Equity Loan from AFFCU. Available in Texas only.

About Home Equity Loans

Unlocking the equity in your home is a great way to fund home improvement projects like an all-new kitchen or a new pool for those hot Texas summers. You can also use a Home Equity loan to consolidate higher interest debt, make a large purchase, pay for your student’s college – or any other reason you have. Enjoy a low rate, lump sum disbursement, fixed-rate payments, and flexible terms available up to 180 months.

To apply for a Home Equity Loan, download and complete the application and submit it by whatever method is most convenient for you:

Online through our Secure Message Center
Mail to
AFFCU Lending
1560 Cable Ranch Rd, STE 200
San Antonio, TX 78245
In Person at any AFFCU Financial Center location

Home Equity Loan Features

Borrow from $25,000 to $300,000 or up to 80% of the appraised value of your home

Fixed rate payments

Terms up to 180 months

Available in Texas only

Interest may be tax-deductible

Family enjoying barbecue outside on patio

Home Equity Loan Benefits

Low Rates

Quick Application Turnaround

No Appraisal Needed

Home Equity Loan Rates

Rates effective as of:

Term	Rate as low as	APR*
120 months	5.23%	5.401%
180 months	5.42%	5.541%

* APR = Annual Percentage Rate. APR reflects the interest rate, as well as mortgage fees and other charges you may have to pay to get the loan. Financing available for properties in Texas. Membership eligibility required. Loan subject to credit approval. Minimum loan amount may apply. Rate based on credit score. Maximum CLTV on primary residences 80% in Texas. Borrower may be responsible for additional costs such as origination fee, appraisal fee, credit report, title search, courtesy closing fee, notary fee, and recording fee. Property insurance is required, including flood insurance where required. Other restrictions may apply. Rates and terms are subject to change at any time without notice.

Home Equity Loan payment example: A loan of $25,000 for 120 months at 5.401% APR will have an estimated monthly payment of $268. Use an AFFCU Financial Calculator to calculate loan payment amounts.

Home Equity Loan FAQs

You may use the funds from your AFFCU Home Equity Loan for any purpose, such as to pay off debt, pay for a college education, take a vacation, or make home improvements.

Loans must be on single family detached residential property located in Texas. This would include a home, duplex or condominium.

Yes. It must be your permanent residence.

Loans must be on single family detached residential property located in Texas.

The minimum loan amount is $25,000. The maximum loan amount is $300,000 depending on your qualifications.

There is no application fee required for a Home Equity Loan.

There are no penalties for paying it off early or making extra payments on your Home Equity Loan.

AFFCU does not require PMI on Home Equity Loans.

Help Protect Your Biggest Investment

TruStage^® Home Insurance Program provides coverage designed to be affordable for credit union members.

Learn More