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What dream can your home help you achieve?

Home Equity Loans

Make Your Home’s Value Work for YOU!

Apply TODAY and unlock your Financial Dreams!

You worked hard for your home, now make your home work for you with a Home Equity Loan from Texas Bay! Now through November 30th, you are not only achieving your dreams, BUT you will earn a chance to win $3,000*, just in time for the Holidays!

Take advantage of your home’s equity by borrowing for what you need!

  • Debt Consolidation
  • Home Repairs or Remodels
  • New Pool
  • Finance Education
  • Land Purchases
  • And MORE…The Choice is YOURS!

At Texas Bay you will find great low rates, a quick closing process, and you will have a Texas Bay Team Member to be there for you throughout the process!


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Great Offers

The possibilities are endless with a Texas Bay Home Equity Loan¹.  Financial relief is closer than you think.  Take advantage of today’s low rates and use the equity in your home for essentially anything you want or need.

  • Home Improvements
  • New Pool
  • Pay Taxes or Debt Consolidation
  • Dream Vacation
  • College Tuition
  • Endless Possibilities.  Your Choice!

PLUS get up to .50% Rate Discount² with the following:

  • Active Checking Account with Direct Deposit
  • Credit Life Insurance
  • Credit Disability Insurance
  • Active Credit Card or Existing Loan

Take advantage of the equity in your home with a Texas Bay Home Equity Loans today!

Start Today!

If you don’t have a home or sufficient equity, consider a Texas Bay Personal Loan.

¹Loan amount cannot exceed 80% of the collateral value, less outstanding liens.  Generally (except for Title Policy and Appraisal costs), closing costs will be paid by the Credit Union; however, in some instances, certain other costs will be paid by the member.  Interest paid on a Texas Bay Home Equity Loan might be tax deductible; please consult your tax advisor.  Credit criteria applies.
²Relationship Product Discounts lower your rate up to a .50% reduction from the standard rate.  The standard rate is based on your credit at the time of application.  Discounts per product vary.  A combination of products reach up to .50% rate deduction.

*Disclosures, Terms, and Conditions

Each eligible home equity loan qualifies as an entry.  Three (3) winners will be randomly selected from entries (1 winner will receive $3,000, 1 winner will receive $1,000, 1 winner will receive $500). Winners will be announced in December 2020. Odds of winning depend on the number of entries received. Only members of Texas Bay Credit Union in good standing and other persons within the Credit Union’s field of membership 21 or older are eligible to participate in the Drawing. Membership is required before utilizing any Credit Union product or service by establishing a savings account with $1. Officials and employees of the Credit Union and their family members are not eligible to participate in this Drawing. Home Equity Loans must be of $30,000 minimum to enter giveaway. Requires Approval. Existing Home Equity Loans with Texas Bay Credit Union are not eligible for this drawing. The Home Equity Loan must be closed by November 30, 2020. No purchase necessary to enter and win. To submit an entry without purchase or obligation, a handwritten form must be on a 3”x5” index card to include your name, address, your Texas Bay Credit Union member account number (if applicable), telephone number, date of birth, and the last 4 digits of your social security number.  Each entry must be mailed to Texas Bay Credit Union, Attn: Marketing/Home Equity Promotion, 12611 Fuqua St., Houston, TX 77034.  Must be postmarked by November 30, 2020.  Limit one manual entry per person.  The Credit Union assumes no responsibility for late, incomplete, stolen, or illegible entries.  Promotional Period is October 1, 2020 to November 30, 2020.

Closing Costs
If an appraisal is required, fees range from $350 – $475 depending on location of the property. Standard recording fees are $90. Additional recording fees may be assessed based on the number of pages.

Closing Date
Loan may not close earlier than 12 days after the application and “Texas Home Equity Consumer’s Disclosure” is received by the Credit Union.

Funding Date
Loan may not be funded until three business days after the loan has been signed.

Fair Market Value
The fair market value will be determined by the appropriate county appraisal district’s valuation.  Certified appraisals are only require for loans $10,00 and above with 70% or higher Loan-to-Value.  A Certified Appraisal may be required for any loan at Texas Bay Credit Union’s discretion.

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