Home Equity Loan
With our quick and easy online application, take advantage of your home’s value at a low rate with Austin’s Best Credit Union and use the funds how you choose.
Turn Your Home’s Equity Into Cash
With A+FCU, you have two A+ options to access your home’s equity at a low rate. Whether you need funds to consolidate debt, make home improvements, or pay for other major expenses, our mortgage experts can help you qualify for a second lien while keeping your current mortgage rate – or combine your mortgage and equity loan into one convenient payment.
Home Equity Loan
Receive the total loan proceeds upfront. A Home Equity Loan offers predictable payments with a low, fixed rate and a fixed repayment period.
As Low As APR*
6.089%
Home Equity Line Of Credit
Similar to a revolving line of credit, a Home Equity Line Of Credit (HELOC) allows you to borrow funds as needed during an initial draw period, generally 5-10 years, and only repay when you use it.
As Low As APR**
6.990%
“Flawless application and process to obtain the Home Equity Loan and consolidate other items.”
– Douglas F., A+FCU member
*APR=Annual Percentage Rate. As low as APR is for 10-year fixed first-lien home equity loan. For a $90,000 loan, estimated payment terms are calculated as $993.54 per month for the 10-year term. Taxes and insurance for escrow payment are included; your actual payment obligation may be different.
**As low as APR is for first-lien HELOC with a 5-year draw period and a 15-year repayment period. Based on a $50,000 loan amount with a 70% CLTV (combined loan-to-value), and credit score >=760. Maximum loan amount of $250,000. Read CFPB HELOC Guide. HELOCs are a variable rate product.
Membership required. LTV = Loan to Value. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments, and normal credit underwriting factors. Property must be located in Texas and primary owner-occupied single-family residence. $495 processing fee for loans less than $40,000. $795 processing fee for loans $40,000 and above. Under Texas law, the combined loan-to-value (CLTV) cannot exceed 80% of your home’s value. NMLS #405608. Rates and terms are for illustrative purposes only and are subject to change without notice. Rates as of 4.25.2025.
Debt Consolidation Calculator
Ready to tackle your debt? Use our free calculator to input your outstanding debt and estimate your new monthly payments with a consolidation loan.
Questions about your options?
Fill out this form and a lending representative will be in touch. For more immediate assistance during business hours, please call us at 512.302.6849.
DO NOT include private account information in unsecure emails/forms to A+FCU.
Compare Additional Loan Options
A+ Personal Loan
Enjoy the freedom to choose how you want to use the funds with a variety of term options from six to 84 months and low, fixed rates.
As Low As APR*
8.99%†
A+ Preferred Line Of Credit
Get the flexibility of a revolving line of credit with ongoing access to funds up to your credit limit – perfect for everything from unexpected emergencies to everyday expenses.
As Low As APR*
10.24%‡
*APR=Annual Percentage Rate.
†8.99% APR is for up to 36 months and includes 0.25% rate reduction for automatic payment from A+FCU account or electronic funds transfer from another financial institution. Cannot use PlusPoints to lower rate. Actual rate may vary depending on each individual’s credit history and underwriting factors. Rate may increase if automatic payment is cancelled. $31.80 per $1,000 per month for 36 months. Minimum loan amount of $1,500. Terms from 6-84 months. Maximum 18.00% APR.
‡The Annual Percentage Rate (APR) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of 4.25.2025, the variable A+ Preferred Line of Credit APR ranges from 10.24% to 17.75% APR and the margin varies based on creditworthiness. Excellent credit is required to qualify for the lowest rates. Cannot use PlusPoints to lower rate.
Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score and normal credit underwriting factors. Cannot have both an open A+ Line of Credit and an open A+ Preferred Line of Credit. A+ Preferred Line of Credit is an open-ended line of credit. Minimum loan amount of $1,500 for A+ Personal Loan and A+ Preferred Line of Credit. Rates as of 4.25.2025.
Home Equity Loans
Turning your home’s equity into cash can be a great way to get the funds you need, especially with our competitive rates.