Home Equity Loans

¹Annual Percentage Rate. All rates are expressed "as low as". Rates shown are for first-lien home equity loans, second lien loan rates may be higher, please call for details.

²Austin Telco pays all standard closing costs for new Home Equity/HELOC loans below $250,000. These costs include: title search, flood determination, credit report, and county filing fees. Refinances of existing Austin Telco Home Equity/HELOC loans are subject to a $300 refinance fee. If necessary, additional fees for member requested appraisal, survey, and/or title company closing costs will be the responsibility of the borrower. Estimated costs will be disclosed within three business days of receipt of a completed application. Loans of $250,000 and above may require an appraisal, title policy, and title company closing costs at the member’s expense. Hazard insurance is required. All loans are subject to standard credit approval.

³Consult with the IRS or a tax professional concerning tax deductible in your specific situation.

⁴A 30-year term is only available for first-lien home equity loans and requires a loan minimum of $50,000. All rates and terms are subject to change without notice.