Home Equity Loan

Your biggest investment is your home, so why not put it to good use? With a JSC FCU Home Equity Loan you can borrow against the equity in your home to get a low interest rate loan with easy terms you can live with.

What exactly is a Home Equity Loan? It's a loan that allows you to borrow up to 80% of your home's fair market value, less any outstanding lien. Your home must be in the state of Texas and located in one of the following counties: Brazoria, Chambers, Fort Bend, Galveston, Harris, Liberty, Montgomery or Waller counties. Home Equity Loans can be used just like cash for many things, including debt consolidation, home improvements, vacations and even education expenses.

JSC FCU Home Equity Loans feature:
  • Low, competitive rates
  • Terms from 5 years up to 15 years for 1st Lien Home Equity Loans
  • Terms from 5 years up to 10 years for 2nd Lien Home Equity Loans
  • Loan amounts from $10,000 up to $200,000
  • Tax deductible in most cases (consult your tax advisor)
  • No loan application fee
  • No prepayment penalties
  • FAQ's

Click here to download a printable Home Equity Loan Application packet. You can also stop by a branch location to pick-up a Home Equity Loan packet.

Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) offers convenient access to the money you've invested in your home. Use a HELOC to pay for small home improvements, consolidate credit card debt or even education expenses. Our Home Equity Line of Credit offers a credit line from $10,000 to $200,000 depending on the available equity in your home. Qualified members can borrow up to 50% of the home's fair market value, less the amount of any outstanding lien.

JSC FCU Home Equity Line of Credit features:
  • Low, competitive rates
  • Terms up to 15 years
  • Credit lines from $10,000 to $200,000
  • Access to funds when you need them
  • Payments calculated on advanced funds
  • Revolving credit line
  • No loan application fee
  • FAQ's

Click here to download a printable HELOC Loan Application packet. You can also stop by a branch location to pick-up a HELOC packet.


For more information on JSC Federal Credit Union, or to find out how you can join, please call 281.488.7070 or 800.940.0708, or visit any branch office or e-mail.

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