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Home loans

Use home equity
For most people, your home is your greatest source of financial strength. Home equity can be used in so many ways, from home improvements to supporting short-term financial needs.
Home Equity Loan Features
  • Fixed interest rate and monthly payments.
  • Best option for one-time large expenses where you know the amount you need to borrow.
  • Proceeds are disbursed in a lump sum. Once you receive the lump sum, you cannot borrow further from the loan.

TCU offers 3, 5, 10, or 15-year fixed rate home equity loan options. This is the best choice for you if:

  • You want fixed payments for the full term of the loan.
  • You want the security of knowing your interest rate will not change over time.
  • You think interest rates could rise in the next few years.
TCU also offers a 5/5/5 Adjustable Rate Home Equity Loan. Your interest rate will be fixed in 5-year increments. Your rate will adjust at the 5- and 10-year points of the loan. This is the best choice for you if:

  • You want a loan with the low payment flexibility of a longer-term loan combined with a lower interest rate.
  • You think interest rates may fall in the future and want to take advantage of a lower rate option.
Home Equity Line of Credit (HELOC) Features

  • Revolving line of credit. Draw the amount you need based on the approved limit.
  • Variable interest rate and monthly payments.
  • Best option for ongoing projects or smaller expenses where the total amount is unknown.
  • As you make payments, your credit revolves and you can reuse the funds in your line again.

TCU offers a 15-year home equity line of credit, where you’ll have access to reusable funds of varying amounts throughout the term of your loan.

Best Choice if:
  • You want to make home improvements.
  • You need cash for an unexpected financial event.
  • You would like to leverage equity in your home for the down payment on the purchase of another property.

Get started with our mortgage team today.
For rates, assumptions and full disclosures, visit our Daily Rate Page.