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Home equity loans

Unlock your home’s equity to pay for
home renovations or other big expenses

Cash-out refinance or home equity loan

You've worked on building the equity of your home. Now let your home work for you. If you are a homeowner, you can use the equity in your home to help finance major expenses, like remodeling or renovating your home.

This is achieved through a home equity loan, which uses your primary residence as collateral. And it offers solid benefits such as competitive rates and possible tax benefits that makes this loan worth considering.

What can you use a home equity loan for?

Home equity loan rates

Effective date: 07/06/2020

Get a Home Equity Loan Interest Rate APR*
Conforming 30-Year Fixed 3.375% 3.425%
Conforming 15-Year Fixed 3.125% 3.212%

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Home equity loan calculators

Select a calculator from the list below.

Loan Information


Start your application online, give us a call or schedule an appointment
(877) 774-2657

Applying for a home equity loan with TDECU is easy and convenient. Apply online, or download our TDECU Mortgage Simplified app to your mobile device from the app store! Prefer to discuss in person? Schedule an appointment with a Mortgage Advisor.

Schedule Your Appointment

Also, check out our Streamline Home Equity Loan!

Access your home’s equity faster, more easily and with more flexibility than ever before. Fast. Flexible. Done!

  • Complete home renovations
  • Consolidate and pay off high interest debt
  • and much more!
*APR = Annual Percentage Rate. Minimum approved loan amount is $50,000. Total debts against a homestead are limited to 80% of the fair market value. Home Equity Loans (HELs) are subject to credit approval. Rates and terms are subject to change without notice. All HELs are available only on your primary residence in Texas. Borrower will be responsible for certain closing costs, which may include title insurance, appraisal fee, and survey costs. Property insurance is required. A 12-day cooling-off period is required by Texas Law before the loan may be closed and there is a 3-day right of rescission after closing before the funds may be disbursed. In some instances, interest on a HEL may be tax deductible. Check with your tax advisor for more information.
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