FIGFCU Home Equity Loans and Home Equity Lines of Credit

While many banks have made getting a Home Equity Loan more challenging—we’ve made it easier with even better rates. We just cut our Home Equity Loan rates as low as 6.99% APR* for qualifying borrowers who enroll in Direct Deposit and Auto Pay.

A HELOC is another great option to get cash out of your home with rates as low as 6.74% APR* for qualifying borrowers who enroll in Direct Deposit and Auto Pay.

Borrow up to 100% of your home’s equity to help pay for home improvements, education expenses, and medical bills, consolidate high credit card debt—it’s up to you. Your loan interest may also be tax deductible.

Review the features of our Home Equity Loan and HELOC now, then apply today. Tapping into your home’s cash has never been easier.

Fixed Rate Home Equity Loans

Borrow up to 100% of your home’s equity (80% LTV for Texas residents)
80/20 for Purchases
Loans up to $750,000
Terms up to 240 months
Rates as low as 6.99% APR for qualifying borrowers who enroll in Direct Deposit and Auto Pay (If you do not enroll, rates as low as 7.99% APR)
Available on primary residences up to 4 units (only 1 unit in Texas)
Available in all states except AL, AK, FL, HI, and LA
Manufactured homes are not available

APPLY TODAY

Home Equity Line of Credit (HELOC)

Borrow up to 100% of your home’s equity
Apply for up to $750,000
Rates as low as 6.74% APR for qualifying borrowers who enroll in Direct Deposit and Auto Pay (If you do not enroll, rates as low as 7.74% APR)
Available on primary residences up to 4 units
80% LTV Max for Purchases
Available in all states except AL, AK, FL, HI, LA, and TX
Manufactured homes are not available

APPLY TODAY

*APR = Annual Percentage Rate. Subject to credit approval. Home equity products are secured by your home. HELOC APR is variable and may increase or decrease after account opening. Variable APR is based on the stated index plus a margin determined at account opening, where applicable. The APR is subject to change with changes in the index and will apply until the next rate adjustment in accordance with the Home Equity Agreement. The maximum APR that may be imposed is 18% or the maximum permitted by applicable law, whichever is less. Actual APR may vary based on creditworthiness, loan-to-value, underwriting factors, and product type. Property insurance may be required. Third-party fees may apply. Additional refinance or property-related fees may apply where stated. Terms and conditions apply. There is a $500 refinance fee for Home Equity Loans booked within the last 12 months, unless $20,000 new cash is added to the loan request. NMLS #408877. Equal Housing Lender.

1.00% rate discount requires a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a FIGFCU Checking Account and Automatic Payment/Folio Deduction as the repayment method to qualify.

Subordination Requirements: Email or fax your Subordination Request form to 866-357-3985.

Demand for Payoff: Email or fax your Demand with Borrower Authorization to 866-357-3985 (Turnaround time is 24-48 hours).

Home Equity

As Low As 6.74% APR!

TOP RATES ON ALL DEPOSITS!